Liberty Mutual vs Erie: Which is Better for You?

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Liberty Mutual or Erie: Which company is best for you?

Selecting an auto insurance company can be hard: rates vary by driving history, age, and location, and insurers offer a variety of perks. Liberty Mutual and Erie are among the most popular auto insurance companies, providing affordable insurance policies across large portions of America.

In an effort to make insurance shopping seamless, we gathered average rates from Erie and Liberty Mutual. These take into account an array of rating factors, including credit rating, driving behavior, and age. Examine these rates and find your next car insurance policy today.

Want to find out more? Check out our reviews of Liberty Mutual and Erie.


Liberty Mutual vs. Erie: by credit level

If you have very poor credit, Erie could be a better option for you. On average, Erie offers lower prices than Liberty Mutual for drivers with credit scores of lower than 580. Drivers with outstanding credit — a score of 800-plus — should favor Check out typical insurance rates by credit score for Erie and Liberty Mutual below.

Credit level Liberty Mutual avg. annual premium Erie avg. annual premium
Very Poor (300-579) $3,228 $2,402
Fair (580-669) $2,276 $1,040
Good (670-739) $2,109 $894
Very Good (740-799) $1,878 $743
Exceptional (800-850) $1,792 $726

Liberty Mutual vs. Erie: by citation

If you're saddled with an at-fault collision, speeding ticket, reckless driving citation, or DUI in your rear view mirror, Erie could be a better choice than Liberty Mutual. Each insurance company prices its policies differently, so always do your due diligence and compare quotes to figure out which insurer is best for you.

Citation Liberty Mutual avg. annual premium Erie avg. annual premium
At-fault accident (damage < $1,000) $2,776 $893
At-fault accident (damage > $1,000) $2,112 $772
DUI/DWI $4,182 $1,163
Reckless driving $3,459 $760
Speeding ticket $2,068 $747

Liberty Mutual vs. Erie: by age

Insurance companies use a driver's age to indicate risk, assigning rates on a sliding scale. Insurance is commonly more expensive for beginning and young drivers — thanks to their inexperience — and most affordable for older drivers. Because each insurance company prices ages in a different way, it's worth comparing rates and shopping around.

As a general rule, teen drivers should choose Erie instead of Liberty Mutual: the former's average annual rates are $4,321 less than those of the latter

Age Liberty Mutual avg. annual premium Erie avg. annual premium
Teens $6,559 $2,238
20s $2,686 $1,108
30s $1,942 $1,108
40s $1,926 $755
50s $1,793 $692
60s $1,746 $676

Cost aside, Liberty Mutual and Erie come with pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Be sure to shop around before settling on an option.

Discount Comparison Liberty Mutual Erie
Good Student supported
Multiple Policies supported supported
Multiple Vehicles supported supported
Anti-Theft Device(s) supported supported
Anti-Lock Brake System supported supported
Air Bags supported
Good Driver supported supported
Defensive Driver supported
Student Away at School supported supported
Driver Training supported
Green Vehicles supported
Affinity Membership Alum
Advanced Purchase supported
Pay in Full supported supported
Home Owner supported
eSign or ePay
Telematics supported
New Vehicle
Annual Mileage
Military supported
Ratings Comparison Liberty Mutual Erie
Financial Strength Question mark icon Good Superior
JD Power Rankings Question mark icon Average Excellent
User Satisfaction Question mark icon 4.2/5 4.2/5
Other Products Liberty Mutual Erie
Boat Insurance supported supported
Condo Insurance supported supported
Life Insurance supported supported
Homeowners Insurance supported supported
Travel Trailer Insurance supported supported
Renters Insurance supported supported
RV Insurance supported supported
Motorcycle Insurance supported supported
Mobile Home Insurance supported supported
Other Features Liberty Mutual Erie
About Liberty Mutual's "Buy Online Now” option may qualify drivers for additional discounts. Liberty Mutual customizes its insurance offerings so drivers only pay for what they need. Erie Insurance provides customers with the flexibility to customize their car insurance by offering over 30 extra policy features, along with the highest levels of customer service.
Roadside Assistance Liberty Mutual offers 24-hour Roadside Assistance — covering towing to the nearest qualified repair facility, fuel delivery, jump starts, and unlocking vehicle doors — with purchase of optional Towing & Labor coverage. Erie provides 24-hour roadside assistance for an additional fee on your policy that covers reasonable auto towing and required labor cost at the site of your vehicle breakdown.
Additional Discounts Liberty Mutual offers additional discounts such as Newly Independent, New Teen and Good Payer discounts. In addition, Liberty Mutual offers benefits like Accident Forgiveness. Liberty Mutual also allows drivers to lock in their rate for a full year. Erie offers an additional discount called "Reduced Usage" that provides a lower rate on your policy if your vehicle is unused for 90 consecutive days during the policy period.
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