Liberty Mutual vs. Safe Auto

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Liberty Mutual or Safe Auto: Which Company is Best for You?

Deciding on a car insurance company can be complicated: companies' rates differ by driving record, location, and age, and companies offer an array of discounts. Liberty Mutual and Safe Auto are two of the most popular car insurance companies, providing high-quality policies in most states across the US.

In an effort to simplify the process of comparing insurance companies, we gathered average rates from Safe Auto and Liberty Mutual. The below cover a variety of pricing factors, including credit rating, driving history, and demographics. Examine these rates and find an affordable policy today.

Looking for in-depth analysis? Read our comprehensive reviews of Liberty Mutual and Safe Auto.


Compare Liberty Mutual vs. Safe Auto auto insurance rates


Liberty Mutual vs. Safe Auto: pricing by credit score

If you have very poor credit, Liberty Mutual could be a better option for you. Typically, Liberty Mutual offers lower prices than Safe Auto for drivers with credit scores of 579 or less. Those with excellent credit — a score of 800 or better — should favor Liberty Mutual, which typically beats Safe Auto by $129 per year. Check out average insurance rates by credit level for Safe Auto and Liberty Mutual below.

Credit level Liberty Mutual avg. annual premium Safe Auto avg. annual premium
Very Poor (300-579) $3,228 $3,799
Fair (580-669) $2,276 $2,483
Good (670-739) $2,109 $3,358
Very Good (740-799) $1,878 $1,937
Exceptional (800-850) $1,792 $1,921

Liberty Mutual vs. Safe Auto: costs for high-risk drivers

If you are saddled with an at-fault collision, speeding ticket, reckless driving violation, or DUI offense on your driving résumé, Liberty Mutual could be a better choice than Safe Auto. Each insurer enacts rate penalties differently, so don't be afraid to shop around to understand which insurer suits you.

Violation Liberty Mutual avg. annual premium Safe Auto avg. annual premium
At-fault accident (damage < $1,000) $2,776 $2,867
At-fault accident (damage > $1,000) $2,112 $2,837
DUI/DWI $4,182 $2,867
Reckless driving $3,459 $2,867
Speeding ticket $2,068 $2,738

Liberty Mutual vs. Safe Auto: rates by age

Auto insurance companies use age to indicate risk, pricing policies accordingly. An auto insurance policy is commonly most expensive for teens — due to their inexperience — and most affordable for older drivers. Because each insurance company prices age tiers differently, it's wise to compare rates and find a great fit.

As a general rule, teen drivers should choose Liberty Mutual over Safe Auto: Liberty Mutual offers average yearly savings of $1,703, compared to Safe Auto.

Age Liberty Mutual avg. annual premium Safe Auto avg. annual premium
Teens $6,559 $8,262
20s $2,686 $2,764
30s $1,942 $2,764
40s $1,926 $2,053
50s $1,793 $1,862
60s $1,746 $1,707

Setting aside cost, Liberty Mutual and Safe Auto each carry pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.

Discount Comparison Liberty Mutual Safe Auto
Good Student supported supported
Multiple Policies 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
Driver Training supported
Green Vehicles
Affinity Membership Alum supported
Advanced Purchase
Pay in Full supported supported
Home Owner supported supported
eSign or ePay
Telematics supported
New Vehicle
Annual Mileage supported
Military supported
Ratings Comparison Liberty Mutual Safe Auto
Financial Strength Question mark icon Good N/A
JD Power Rankings Question mark icon Average N/A
User Satisfaction Question mark icon 4.2/5 4.2/5
Other Products Liberty Mutual Safe Auto
Boat Insurance supported
Condo Insurance supported
Life Insurance supported
Homeowners Insurance supported
Travel Trailer Insurance supported
Renters Insurance supported
RV Insurance supported
Motorcycle Insurance supported
Mobile Home Insurance supported
Other Features Liberty Mutual Safe Auto
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. Safe Auto strives to provide affordable insurance to every driver, no matter the situation.
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. Safe Auto's roadside assistance coverage pays for towing services and certain repair costs required to make your car operable.
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. Safe Auto specializes in providing minimum, state required coverage and full coverage to drivers who have had some trouble getting affordable rates due to tickets, accidents, and license issues.
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.
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Do I pay a deductible for a liability claim?
You are not responsible for a deductible unless you have comprehensive and collision coverage. Since you only have liability, the damages to your car will not be covered which means there is no deductible.
See More Questions
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