Liberty Mutual vs. Farmers insurance

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Liberty Mutual or Farmers:
Which Company is Best for You?

Choosing a car insurance company can be tough: rates can fluctuate by driving history, age, and location, and every company provides a different set of discounts. Liberty Mutual and Farmers are two of the nation's most popular auto insurance companies, selling competitively priced coverage in many states.

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

Want to find out more? Read full-length reviews of Liberty Mutual and Farmers.


Compare Liberty Mutual vs. Farmers auto insurance rates


Liberty Mutual vs. Farmers: premiums by credit level

If you have very poor credit, Farmers could be a better option for you. On average, Farmers offers better premiums than Liberty Mutual for drivers with credit scores of 579 or less. Insurance shoppers with outstanding credit — a score of 800-plus — should opt for View common insurance costs by credit level for Farmers and Liberty Mutual:

Credit scoreLiberty Mutual avg. annual premiumFarmers avg. annual premium
Very Poor (300-579)$3,228$2,633
Fair (580-669)$2,276$1,736
Good (670-739)$2,109$1,882
Very Good (740-799)$1,878$1,459
Exceptional (800-850)$1,792$1,354

Liberty Mutual vs. Farmers: costs for high-risk drivers

If you are dealing with an at-fault accident, speeding ticket, reckless driving violation, or DWI in your rear view mirror, Farmers could be a better choice than Liberty Mutual. Every insurance company enacts rate penalties differently, so don't hesitate to shop around to understand which insurance company suits you.

ViolationLiberty Mutual avg. annual premiumFarmers avg. annual premium
At-fault accident (damage < $1,000)$2,776$2,334
At-fault accident (damage > $1,000)$2,112$1,699
Reckless driving$3,459$4,636
Speeding ticket$2,068$2,045

Liberty Mutual vs. Farmers: rates by age bracket

Insurance companies use a driver's age as an indicator of potential risk, pricing premiums accordingly. Car insurance is commonly priciest for beginning and young drivers — due to their inexperience — and relatively affordable for middle-aged drivers. Because each insurance company evaluates age brackets differently, it's worth comparing rates and shopping around.

As a general rule, teen drivers should choose Farmers before Liberty Mutual: the former's average annual rates are $41 less than the latter's..

Age tierLiberty Mutual avg. annual premiumFarmers avg. annual premium

Aside from finances, Liberty Mutual and Farmers each have pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Dive into the data before making your decision.

Discount ComparisonLiberty MutualFarmers
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
New Vehicle
Annual Mileage
Ratings ComparisonLiberty MutualFarmers
Financial Strength ExcellentExcellent
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction



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Other FeaturesLiberty MutualFarmers
AboutLiberty 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.Farmers Auto Insurance knows that protecting your vehicle is more than just a basic obligation, which is why they provide all the value and flexibility you need, along with unparalleled customer and claim service.
Roadside AssistanceLiberty Mutual offers 24-hour Roadside Assistance (covering towing to the nearest qualified repair facility, fuel delivery, jump starts, and unlocking vehicle doors) with the purchase of optional Towing & Labor coverage.Farmer's Roadside Assistance provides assistance for reasonable and necessary services up to $150, including towing, roadside winching, locksmith services, flat tire changes, and jump starts.
Additional DiscountsLiberty 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.Farmers offers an additional discount for seniors.
Recent QuestionsWhy 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
Simply put: 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.
Insurer refuses to give me my money back
I would try calling back again. It could be that the agent you spoke with was misinformed.
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Are some insurance providers better suited to my needs than others to get the best rate?
Because most coverage options can be matched across insurance companies, I think what you are really looking for is the best customer service/claims support for the best cost. Right off the bat, I know Geico probably wouldn't be an option for you with a leased vehicle.
Does Farmers allow exclusions?
While I do not work for Farmers, it has been my experience that they do allow exclusions. Usually, you will need to call your agent or a customer service representation at their call sent and request an exclusion form.
Will my farmers insurance cover my towing off the the NJ turnpike
Although I am not a Farmers insurance agent, my understanding of Farmer's Roadside Assistance program is you can either call their roadside service while your vehicle is inoperable and they will tow you up to $150 or you can be reimbursed for your troubles. However, this is all dependent on having towing and roadside on your policy.
Will insurance cover someone other than the insured?
While it can vary by company, insurance will follow the car rather than the driver. So, in the event you get into an accident in your dad's vehicle, his insurance would be primary and yours would be secondary.
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