USAA vs. Liberty Mutual

Read on to see which company is best for you.

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Ross Martin

Manager, Content Quality

  • Licensed Insurance Agent — Property and Casualty

Ross joined The Zebra as a writer and researcher in 2019. As a licensed insurance agent, he specializes in writing insurance content to help shoppers…

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Kristine Lee

Manager, Content and Data

  • Licensed Insurance Agent — Property and Casualty

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

USAA or Liberty Mutual: Which company is best for you?

USAA and Liberty Mutual are among the most popular insurance companies in the United States. USAA policies are only available to members of the armed forces and certain family members, and membership is required before you can purchase a policy. Liberty Mutual has nationwide brand recognition and comes in sixth place in market share for auto insurance.

Both companies have coverage options that will satisfy the needs of most customers — but which one is right for you? Have a look at our in-depth comparison to see which company comes out on top.

USAA car insurance

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5 Rating from The Zebra Question mark icon

USAA is unique in that customers must be in the armed forces or be close family members. The company has many insurance options that can be paired with your auto policy. Membership also allows access to other benefits, like banking services. In terms of market share, USAA comes in fifth place.

In general, USAA receives stellar ratings from customers and third-party rating agencies alike, including the top score in The Zebra Customer Satisfaction Survey. If membership is an option for you, the company is definitely worth looking into.

Pros Cons
  • Affordable rates
  • Great customer satisfaction scores
  • Other membership perks
  • Eligibility limited to those in the armed forces
Learn more

Liberty Mutual car insurance

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3 Rating from The Zebra Question mark icon

Liberty Mutual is a popular insurance carrier that provides a number of bundling options. Available coverage types are similar to those offered by most other major insurance companies, and it also offers a wide variety of discount options. However, Liberty Mutual receives a higher number of customer complaints than many competitors.

Pros Cons
  • Affordable rates for most drivers
  • Wide-ranging coverage options
  • Great customer satisfaction scores
  • Lack of local agents   
  • High number of customer complaints                                      
Learn more

Which company comes out on top?


While not all customers will be eligible for USAA's coverage, those who are can expect affordable rates and all-around great customer service. However, even those eligible may still find Liberty Mutual to be a good option.

USAA vs. Liberty Mutual: car insurance rate comparison

Car insurance rates are determined by a number of factors, including where you live, your driving history and even your credit score (a factor in almost all states). Both USAA and Liberty Mutual weigh these factors differently, meaning that you are very likely to get a different quote from each company.

To give you a sense of how USAA and Liberty Mutual insurance rates compare rates, we've put together average rates based on a few different factors. Have a look at the figures below to get a sense of which company could be most affordable for you.

Want to find out more? Check out our full reviews of USAA and Liberty Mutual.

Cheapest average rates medal
Cheapest average rates

We found that USAA is more affordable than Liberty Mutual, with an average monthly cost of $106. Liberty Mutual's average was $144 per month.

USAA vs. Liberty Mutual: pricing by credit score

If you have very bad credit, USAA could be the way to go. On average, USAA offers cheaper premiums than Liberty Mutual for prospective drivers at every credit level. Check out average insurance costs by credit tier for Liberty Mutual and USAA below.


Credit score USAA avg. annual premium Liberty Mutual avg. annual premium
Very Poor (300-579) $2,682 $3,228
Fair (580-669) $1,247 $2,276
Good (670-739) $1,057 $2,109
Very Good (740-799) $910 $1,878
Exceptional (800-850) $840 $1,792

Auto insurance data methodology

The auto insurance rates published in this guide are based on the results of The Zebra's State of Insurance car insurance pricing analysis. This analysis of more than 83 million insurance rates spans every U.S. ZIP code, using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To generate pricing for particular rating factors, we adjusted the driving profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level, driving record and others.

In some instances, average rates from Liberty Mutual were derived from internally sourced sales data.

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.


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

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.


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.

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Ratings comparison: USAA vs. Liberty Mutual

Both USAA and Liberty Mutual are among the largest car insurance companies and popular options for car insurance. So it's important to take a look at how these insurers are rated by third-party organizations to get a fairer assessment of the service you can expect to receive. We've compiled a list to compare recent ratings from each company below, including scores for financial strength, customer complaints and overall customer satisfaction.

Ratings comparison USAA Liberty Mutual
Financial strength (A.M. Best) Superior Good
JD Power (claims satisfaction) Excellent Average
JD Power (customer satisfaction) Excellent Above average
NAIC rating Excellent Poor
The Zebra's editorial review score 5/5 3/5
The Zebra's Customer Satisfaction Survey 4.6 4.2/5

Which company scores best?


USAA consistently ranks as one of the top-rated insurers in the U.S. If you're able to qualify for coverage, you could find a more affordable premium and better benefits with USAA.

The Zebra's Customer Satisfaction Survey

To get a better sense of how the overall customer experience, The Zebra conducted an independent survey taking a look at many different factors. Below you'll find each company's results.

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USAA topped the list as the best auto insurance carrier with an overall score of 4.6, winning in every category except Online Experience. Here are some other highlights:

  • Top-rated overall
  • Highly rated by both male and female respondents
  • Highly rated by drivers in all age groups
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Liberty Mutual

Liberty Mutual came in near the bottom of our survey of fifteen carriers, placing at number fourteen. However, with a score of 4.2, Liberty Mutual wasn't far from its nearest competitors and placed better in some categories. Below are some highlights.

  • Scored well in Online Satisfaction (4.3)
  • Older drivers rated the company higher

The Zebra Customer Satisfaction Survey methodology

Findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2022.

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.

Discount comparison USAA Liberty 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
Continuous coverage

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.

USAA logo
USAA SafePilot

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 logo
Liberty Mutual RightTrack

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.

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Liberty Mutual ByMile

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 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
tow truck

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

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5 Rating from The Zebra Question mark icon

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.
Learn more

Liberty Mutual homeowners review

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3.5 Rating from The Zebra Question mark icon

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.
Learn more

Which company comes out on top?


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.

Cheapest average rates
Cheapest average rates

According to our data, Liberty Mutual has the cheapest home insurance rates at around $118 per month.

Homeowners insurance data methodology

The homeowners insurance rates published in this guide are based on The Zebra's analysis of the cost of home insurance in every U.S. ZIP code. These rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:

  • $200,000 for the dwelling
  • $20,000 for other structures
  • $100,000 for personal property
  • $100,000 for personal liability
  • $1,000 deductible

To generate pricing for particular rating factors, we adjusted the homeowner profile based on common pricing factors used by major home insurance companies. These factors include location, coverage limits, claims record and others.

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
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
ATV insurance
Pet insurance
Commercial insurance

Find the best insurance policy for your needs.

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Does my son-in-law's status as a Marine qualify me as USAA member?

USAA membership extends to spouses, children, and possibly parents. Assuming your child (who is married to your son-in-law) is on the membership as well, you may be able to qualify.
Feb 15, 2018 Austin, TX

What are the requirements for USAA?

USAA requires it's members to be active, retired or honorably separated officers of the US military. If you're not directly affiliated with the military, you can qualify if you're a spouse, parent (step-parent, or legal guardian) or parent-in-law.
Jan 16, 2018 Seguin, Texas

Does USAA membership extend to grandchildren

From my knowledge, your parent's would also have to be members in order for you to qualify. But, as I'm not an agent for USAA, I would call them and speak to an insurance agent directly.
Jun 4, 2018 San Antonio, TX

Can I avoid paying for insurance for my car while I am away for active duty military leave?

The reason banks require comprehensive and collision coverage on a vehicle in storage is because it could be damaged by a fire or a collapse of the building in which it is stored. In addition to the bank, Massachusetts requires any vehicle registered in the state to also be insured.
Aug 28, 2017 Dartmouth, MA

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 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.