Liberty Mutual vs Safe Auto: Which is Better for You?
Compare rates from the top car insurance companies in your area.
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.
Liberty Mutual vs. Safe Auto: by credit level
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.
INSURER RATES BY CREDIT SCORE: SAFE AUTO VS. LIBERTY MUTUAL
| 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: by citation
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.
INSURER RATES BY VIOLATION: SAFE AUTO VS. LIBERTY MUTUAL
| 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: 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.
INSURER RATES BY AGE: SAFE AUTO VS. LIBERTY MUTUAL
| 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 |
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| Good Student |
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| Multiple Policies |
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| Multiple Vehicles |
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| Anti-Theft Device(s) |
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| Anti-Lock Brake System |
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| Air Bags |
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| Good Driver |
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| Defensive Driver |
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| Student Away at School |
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| Driver Training |
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| Green Vehicles | ||
| Affinity Membership Alum |
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| Advanced Purchase | ||
| Pay in Full |
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| Home Owner |
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| eSign or ePay | ||
| Telematics |
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| New Vehicle | ||
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| Military |
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| Ratings Comparison | Liberty Mutual | Safe Auto |
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| Financial Strength | Good | N/A |
| JD Power Rankings | Average | N/A |
| User Satisfaction | 4.2/5 | 4.2/5 |
| Other Products | Liberty Mutual | Safe Auto |
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| Travel Trailer Insurance |
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| RV Insurance |
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| Motorcycle Insurance |
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| Mobile Home Insurance |
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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 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. |
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