State Farm vs. Liberty Mutual

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State Farm or Liberty Mutual:
Which Company is Best for You?

Picking an auto insurance company can be tricky: rates can vary by driving record, age, and location, and companies offer an array of discounts. State Farm and Liberty Mutual are two of the nation's top auto insurance companies, providing high-quality policies across many states.

To simplify the process of comparing insurance companies, we've pulled average premiums from Liberty Mutual and State Farm. These cover an array of pricing factors, including credit quality, driving infractions, and age. Examine these rates and find the right policy for you.

Go in-depth: Read our comprehensive reviews of State Farm and Liberty Mutual.


Compare State Farm vs. Liberty Mutual auto insurance rates


State Farm vs. Liberty Mutual: pricing by credit score

If you have very bad credit, Liberty Mutual could be preferable to State Farm. Typically, Liberty Mutual offers cheaper prices than State Farm for prospective clients with credit scores of lower than 580. Those with outstanding credit — a score of 800 or higher — should opt for State Farm, which typically beats Liberty Mutual by $532 per year. Check out typical insurance costs by credit tier for Liberty Mutual and State Farm below.

Credit scoreState Farm avg. annual premiumLiberty Mutual avg. annual premium
Very Poor (300-579)$3,522$3,228
Fair (580-669)$2,003$2,276
Good (670-739)$1,613$2,109
Very Good (740-799)$1,451$1,878
Exceptional (800-850)$1,260$1,792

State Farm vs. Liberty Mutual: high-risk insurance rates

If you're carrying an at-fault accident, ticket, reckless driving citation, or DUI on your résumé, Liberty Mutual could be a better choice than State Farm. Every insurance company prices its policies differently, so always do your due diligence and compare quotes to find out which insurance company suits you.

CitationState Farm avg. annual premiumLiberty Mutual avg. annual premium
At-fault accident (damage < $1,000)$2,849$2,776
At-fault accident (damage > $1,000)$1,524$2,112
Reckless driving$2,895$3,459
Speeding ticket$1,983$2,068

State Farm vs. Liberty Mutual: rates by age

Insurance companies use a driver's age as an estimator of risk, assigning rates on a sliding scale. An auto insurance policy is often expensive for teens — due to their inexperience — and relatively affordable for drivers aged 25 or older. Because every auto insurance company evaluates age tiers differently, it's worth comparing rates and shopping around.

As a general rule, teen drivers should choose State Farm over Liberty Mutual: STATE FARM offers average yearly savings of $739, compared to Liberty Mutual.

AgeState Farm avg. annual premiumLiberty Mutual avg. annual premium

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

Discount ComparisonState FarmLiberty Mutual
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 ComparisonState FarmLiberty Mutual
Financial Strength ExcellentGood
JD Power Rankings Above averageBelow average
User Satisfaction 4.5/54.5/5
Other ProductsState FarmLiberty Mutual
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesState FarmLiberty Mutual
Roadside Assistance
Additional DiscountsState Farm offers an additional discount for vehicles made in 1994 or later, depending on the loss experience of the vehicle make and model.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.
Recent QuestionsShould I file a claim through State Farm?
These kinds of situations are going to depend greatly on your current finances and insurance premiums. If you've previously had a clean record,&nbsp;an accident will typically increase your rates by about 20 to 30%.
Can my new insurer cover a bodily injury claim made against me from my past accident when I was covered by a different company?
Unfortunately, State Farm will not handle your recent bodily injury claim since you no longer have a policy with them. Progressive would be the one to handle that claim since that is your current active plan.
My car was towed by an apartment complex, will State Farm reimburse me for the towing cost?
Roadside assistance covers towing but it won't cover your car being towed by someone else. Your insurance company will not cover the cost of your car being towed from parking in the wrong location.
What could be the reason State Farm increased my premium?
Since it is policy-specific, State Farm will be the only one who can answer why the rate increased by 39%. I am not aware of any insurance law in California that would cause an increase of 39%.
See More Questions
Why 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
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