Liberty Mutual vs. Farmers

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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 GoodExcellent
JD Power Rankings Below averageBelow average
User Satisfaction 4.2/54.2/5
Other ProductsLiberty MutualFarmers
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesLiberty MutualFarmers
Roadside Assistance
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&nbsp;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.
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.
See More Questions
Should senior citizens carry collision insurance?
Thanks for the question! Comprehensive and collision are not state-mandated coverages. Though if she is financing the vehicle she would need to carry these coverages for her loan in most&nbsp;cases.
Will PIP pay for my medical bills?
Yes, personal injury protection (PIP) should cover any injuries resulting from an accident regardless of whether or not it was a single-vehicle accident. I would file a claim as soon as possible.
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.
See More Questions
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