USAA vs Liberty Mutual: Which is Better for You?
- Winner: USAA
- USAA is cheaper and substantially better rated than Liberty Mutual.
- Your experience with USAA and Liberty Mutual will vary based on individual rating factors.
Why you can trust The Zebra
Ross joined The Zebra as a writer and researcher in 2019. He specialized in writing insurance content to help shoppers make informed decisions.
Ross h…
Credentials
- 5+ years in the Insurance Industry
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
USAA vs. Liberty Mutual: What's the difference?
The Zebra's choice: USAA
USAA offers affordable rates and scored higher ratings than Liberty Mutual.
USAA:
- Cost: $70/month for full coverage
- Customer service: 4.1
- Claims handling: 2.5
- Digital experience: 4.8
- Trust: 4.8
- Overall rating: 4.1
USAA comes out on top when it comes to customer service, claims handling, digital experience and trust scores
Liberty Mutual:
- Cost: N/A
- Customer service: 2.9
- Claims handling: 2
- Digital experience: 4
- Trust: 2
- Overall rating: 2.9
Liberty Mutual did not receive better ratings than USAA
USAA vs. Liberty Mutual: rates for high-risk drivers
If you have an at-fault accident, speeding violation, reckless driving violation or DUI on your driving record, USAA could be a better choice than Liberty Mutual. USAA was significantly less expensive for those with violations in their recent driving history. Every car insurance company prices policies differently after a violation, so don't be afraid to shop around to understand which insurer suits you.
RATES BY CITATION: LIBERTY MUTUAL VS. USAA
| Violation | USAA avg. annual premium | Liberty Mutual avg. annual premium |
| At-fault accident (damage < $1,000) | $1,304 | $2,776 |
| At-fault accident (damage > $1,000) | $947 | $2,112 |
| DUI/DWI | $1,952 | $4,182 |
| Reckless driving | $1,472 | $3,459 |
| Speeding ticket | $1,124 | $2,068 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
USAA vs. Liberty Mutual: rates by age
Auto insurance companies use a driver's age as an indicator of potential risk and price policies accordingly. Car insurance is commonly priciest for young drivers under the age of 25 — due to their relative inexperience compared to older drivers. Because every car insurance company rates age brackets in a different way, it's worth shopping around and finding the best rate for you.
As a general rule, teen drivers should choose USAA, which we found was significantly more affordable than Liberty Mutual. USAA was also cheapest for drivers of all ages.
RATES BY AGE: LIBERTY MUTUAL VS. USAA
| Age | USAA avg. annual premium | Liberty Mutual avg. annual premium |
| Teens | $2,864 | $6,559 |
| 20s | $1,261 | $2,686 |
| 30s | $963 | $2,686 |
| 40s | $957 | $1,926 |
| 50s | $889 | $1,793 |
| 60s | $845 | $1,746 |
Cost aside, USAA and Liberty Mutual each carry pros and cons, including discount programs, customer satisfaction ratings, add-ons and financial stability. Dive into the data before making your decision and be sure to shop around and see quotes from multiple insurers before purchasing a policy.
Compare rates and start saving today!
USAA vs. Liberty Mutual: discount comparison
Discounts on car insurance are usually quite small but they can add up to sizable savings, making it a good way for eligible drivers to save money on their premiums. See each company's available discount selections below. Note that discount availability may vary by state and other factors.
Liberty Mutual offers a wider array of discount opportunities than USAA. Keep in mind that even with discounts, another company may have a cheaper car insurance quote for you. If unsure, ask a representative about which discounts for which you may qualify.
Telematics options: USAA vs. Liberty Mutual
For safe drivers, enrolling in a telematics program can translate to savings. Telematics programs use technology to help track your driving habits and set a rate based on its findings on the way you drive, and in some cases, mileage.
Both USAA and Liberty Mutual offer telematics options. Have a look at the options available from both companies below.
SafePilot offers customers the chance to have their driving habits monitored in exchange for cheaper car insurance rates. A discount of 10% is offered just for signing up, with up to 30% savings possible for safe drivers at policy renewal.
Liberty Mutual's telematics offering, RightTrack, follows your driving habits to help determine your rates. The company claims users can save as much as 30% off their rate. The app enjoys a score of 4.5 on the Apple Store and a score of 4.0 on Google Play.
Liberty Mutual ByMile is another app offering from the company that is aimed at low-mileage drivers. Sometimes called pay-per-mile — or usage-based — insurance, this program tracks the number of miles driven and customizes rates based on how much you drive. The app currently receives a 4.3 on the Apple Store and a 4.0 on Google Play.
Zebra Tip: Explore telematics offerings from each company if you are a safe driver
Both USAA's SafePilot and Liberty Mutual's RightTrack and ByMile are good options overall, and worth checking out for potential savings if you're a careful or low mileage driver.
Roadside assistance: USAA vs. Liberty Mutual
A roadside assistance program can be a great safety net to have in case of emergencies. Below you can find a quick rundown of the roadside assistance options offered by both USAA and Liberty Mutual.
USAA
USAA offers the following roadside assistance services to policyholders:
- Towing
- Flat tire changing
- Fuel delivery
- Jump-starts
- Lock-out service
- Stuck vehicle assistance
Another perk of USAA membership is that these services are also available at reduced rates to policyholders without roadside assistance on their policy.
Liberty Mutual
Liberty Mutual offers 24-hour roadside assistance featuring the following:
- Towing
- Jump starts
- Fuel delivery
- Lockout services
- Flat-tire changes
USAA vs. Liberty Mutual: home insurance
As with auto coverage, both USAA and Liberty Mutual have home insurance options that are similarly popular. Liberty Mutual comes in fourth place in market share for homeowners insurance, while USAA comes in third. While both companies will offer sufficient coverage options, price points and other benefits may differ. See our analysis below to find out which company might be the best fit for your home insurance needs.
USAA homeowners insurance review
Similar to USAA's car insurance, customer eligibility is limited to those in the armed forces and their families. As the third most popular option for homeowners insurance in the U.S., the company's coverage is highly rated and quite popular. Most customers will find the coverage satisfactory for their needs, and policies can be amended with a good number of add-ons and opportunities to save with discounts.
USAA topped every category in the homeowners portion of The Zebra Customer Satisfaction Survey, indicating a strong focus on the customer and affirming its esteemed standing in the home insurance market.
- The Zebra Customer Satisfaction Survey — 4.6/5: USAA topped every category of our homeowners customer satisfaction survey.
- J.D. Power Rating — Among the Best: J.D. Power rates USAA above average in claims and customer service satisfaction.
- Financial strength — Superior: A "Superior" financial strength rating by A.M. Best shows USAA's ability to pay out claims is solid.
- NAIC Rating — Excellent: Regarding USAA, the National Association of Insurance Commissioners (NAIC) received relatively few customer complaints when compared to the market median.
Liberty Mutual homeowners review
Liberty Mutual maintains a variety of home insurance coverage options, including flexible add-ons and endorsements. This makes the carrier a worthwhile option for those with unique coverage needs. Liberty Mutual placed eighth overall in The Zebra's Customer Satisfaction Survey for home insurance, and may not be the best company in terms of customer service.
- The Zebra Customer Satisfaction Survey — 4.3/5: Liberty Mutual received a 4.3 out of 5 in The Zebra's survey of customer satisfaction.
- Claims satisfaction (J.D. Power Rating) — Below average: In J.D. Power's most recent property claims satisfaction report, Liberty Mutual came in below the industry average.
- Customer satisfaction (J.D. Power Rating) — Below average: Liberty Mutual fell below the industry average in J.D. Power's customer satisfaction study.
- Financial strength — Good: According to AM Best, Liberty Mutual's financial outlook was rated at an "A".
- NAIC Rating — Good: Fewer complaints were logged by the NAIC in regards to Liberty Mutual's homeowners insurance, falling just below the national complaint index.
Which company comes out on top?
USAA
USAA has a strong reputation for taking care of its policyholders and is consistently rated as a top insurer. For eligible customers, USAA has a robust selection of coverage options and typically very affordable rates, making it a great choice for homeowners insurance.
USAA vs. Liberty Mutual: home insurance rate comparison
USAA's average homeowners insurance rate is around $127 per month, while Liberty Mutual's monthly cost is about $118.
Similar to auto insurance quotes, each company has its own underwriting methods for homeowners insurance. This means your rates are highly likely to vary from one company to another. Learn more about the factors insurers use to price your home insurance quote.
Things such as your claims history, crime rates in your area and your proximity to fire stations can have a big impact on how much you pay. As with car insurance shopping, we suggest searching for homeowners quotes from many different companies when looking for home insurance policies.
According to our data, Liberty Mutual has the cheapest home insurance rates at around $118 per month.
The Zebra’s homeowners insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
USAA vs. Liberty Mutual: homeowners discount comparison
Homeowners insurance discounts are a good way to chip away at the cost of your premium. To be eligible for such discounts, policyholders must meet certain criteria. See how the homeowners discounts from USAA and Liberty Mutual stack up below.
| Discount comparison | USAA | Liberty Mutual |
|---|---|---|
| Claims free | ✓ | ✓ |
| Recent home buyer | ✓ | |
| Multi-policy | ✓ | ✓ |
| Newer/more durable roof | ✓ | |
| Protective devices (smoke/burglar alarms, etc.) | ✓ | ✓ |
| Paid in full | ||
| Early signing | ||
| Auto pay | ||
| Newer home | ✓ | ✓ |
| Renovated home | ||
| Senior citizen |
Zebra tip: Check out Liberty Mutual if you are seeking home insurance discounts
Liberty Mutual offers more discount options than USAA for qualifying customers. However, this doesn't necessarily mean that it will be cheaper for everyone, as every company generates quotes differently.
Other insurance products and bundling options
USAA and Liberty Mutual both offer multiple lines of insurance. Oftentimes, these separate insurance lines can be bundled together, allowing you to streamline your insurance policies and potentially save some money with a discount. While shopping for auto or home coverage, you may want to check into coverages such as life, pet or small business insurance available from USAA and Liberty Mutual. Take a look at the additional coverage types available from each company below.
| Other products | USAA | Liberty Mutual |
|---|---|---|
| Boat insurance | ✓ | ✓ |
| Condo insurance | ✓ | ✓ |
| Life insurance | ✓ | ✓ |
| Homeowners insurance | ✓ | ✓ |
| Travel trailer insurance | ✓ | ✓ |
| Renters insurance | ✓ | ✓ |
| RV insurance | ✓ | ✓ |
| Motorcycle insurance | ✓ | ✓ |
| Mobile home insurance | ✓ | ✓ |
| Umbrella | ✓ | ✓ |
| ATV insurance | ✓ | ✓ |
| Pet insurance | ✓ | ✓ |
| Commercial insurance | ✓ | ✓ |
Find the best insurance policy for your needs.
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.
