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.
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 |
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 |
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 | ||
| Multiple Policies | ||
| Multiple Vehicles | ||
| Anti-Theft Device(s) | ||
| Anti-Lock Brake System | ||
| Air Bags | ||
| Good Driver | ||
| Defensive Driver | ||
| Student Away at School | ||
| Driver Training | ||
| Green Vehicles | ||
| Affinity Membership Alum | ||
| Advanced Purchase | ||
| Pay in Full | ||
| Home Owner | ||
| eSign or ePay | ||
| Telematics | ||
| New Vehicle | ||
| Annual Mileage | ||
| Military |
| Ratings Comparison | Liberty Mutual | Erie |
|---|---|---|
| Financial Strength | Good | Superior |
| JD Power Rankings | Average | Excellent |
| User Satisfaction | 4.2/5 | 4.2/5 |
| Other Products | Liberty Mutual | Erie |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| 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. |
| Recent Questions |
Why did my rate increase for a $25 towing claim?
Unfortunately, you were given the correct information. Insurance companies base their rates on the risk of having to pay any claim.
Can I get a refund for premiums I was forced to pay after accident?
Unfortunately, I do not have any experience with this matter. It does seem like a major oversight on part of Liberty Mutual.
What's the difference between a vanishing deductible and accident forgiveness
Let's first summarize the two:
Accident Forgiveness with Liberty Mutual: If you're accident-free for five years (with any company), the company will forgive your first accident and not raise your rates. Furthermore, this policy can apply to all members of the household, including teenagers.
See More Questions
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Will Erie reinstate my policy after non-payment?
It's very likely they will reinstate your policy if you pay the amount past due and any potential fees associated with the cancellation. Because each company has their own administrative rules regarding reinstatement, it's very likely for you to be able to get your policy active again.
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