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.
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|
|Very Good (740-799)||$1,878||$1,937|
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|
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|
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|
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|Affinity Membership Alum|
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|Ratings Comparison||Liberty Mutual||Safe Auto|
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|Other Products||Liberty Mutual||Safe Auto|
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|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 the 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.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.See More Questions
|Should I get full coverage from a less well-known insurer?|
Whether or not the company is a "mainstream" provider doesn't mean that you would have a bad claims experience. There are several companies out there that have been around for several years and just don't advertise like other companies.Who is at-fault when parking spot stopper had bolts sticking out of it?
Unfortunately you would be considered at fault for the damage to your vehicle. If you file a claim, it will likely be paid under collision coverage, meaning you'll be required to pay your deductible.If my daughter is uninsured and gets rear-ended by another driver, will their insurance cover her damage?
In most instances of rear-end accidents, the driver who was hit is normally considered to be not at fault so I'd recommend that your daughter contact the insurance company of the other driver to start the claims process. In Texas, your insurance status (or lack thereof) should not keep you from being compensated if you are hit by an at-fault driver.Do car insurance companies share information?
The new insurance company is likely to find out about the accident, but that will come from your driving reports when you buy your policy. The majority of insurance companies request a motor vehicle report (MVR) and a comprehensive loss underwriting exchange (CLUE) report to verify the accuracy of a new customer's driving record.See More Questions
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