Picking an auto insurer is sometimes difficult: companies' rates may vary based on your driving history, age, and location, and every company provides a different set of discounts. USAA and Liberty Mutual are counted among the most popular insurance companies, selling high-quality insurance policies across most of America.
To simplify the comparison process, we've collected average costs from Liberty Mutual and USAA. These take into consideration a variety of rating factors, including credit history, driving infractions, and demographics. Check out the below rates and find the perfect policy for you.
If you have extremely bad credit, USAA could be preferable to USAA. On average, USAA offers lower prices than Liberty Mutual for drivers with credit scores of 579 or less. Drivers with outstanding credit — a score of 800 or higher — should consider USAA, which typically beats Liberty Mutual by $952 per year. Check out average insurance costs by credit level 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|
|Very Good (740-799)||$910||$1,878|
If you've got an at-fault accident, speeding violation, reckless driving citation, or DUI on your driving résumé, USAA could be a better choice than Liberty Mutual. Every auto insurance company has different post-violation pricing structures, so it's worth comparing quotes to find out 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|
Insurance companies rely on a driver's age to outline potential risk, pricing premiums accordingly. Insurance is commonly priciest for teen drivers — because of their inexperience — and relatively affordable for older drivers. Because every auto insurance company rates ages in a different way, it's a smart move to shop around.
As a general rule, teen drivers should choose USAA over Liberty Mutual: USAA offers average yearly savings of $3,695, compared to Liberty Mutual.
|Age||USAA avg. annual premium||Liberty Mutual avg. annual premium|
Setting aside cost, USAA and Liberty Mutual each have pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.
|Discount Comparison||USAA||Liberty Mutual|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||USAA||Liberty Mutual|
|JD Power Rankings||Excellent||Below average|
|Other Products||USAA||Liberty Mutual|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||USAA||Liberty Mutual|
|About||USAA is known for their award-winning service, distinguished products and making their customers' needs a priority.||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.|
|Roadside Assistance||24-hour roadside assistance is included in all of USAA's Extended Vehicle Protection programs. Pricing varies depending on which plan you select. Roadside assistance will pay up to $100 per occurrence of the following: towing service, flat tire change, emergency gas delivery, battery jump, and locksmith services. Substitute Transportation is available up to $250 per occurrence. Travel/Lodging Reimbursement is available up to $300 per occurrence.||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.|
|Additional Discounts||USAA offers discounts for vehicles with daytime running lights and vehicles in storage, as well as a legacy discount for drivers under 25 years old whose parents have had USAA auto insurance.||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 Questions||Am I covered for an accident if my policy had lapsed while without an Uber passenger?|
Unfortunately, if there was no coverage in place, no company will honor the claim. Uber coverage is in place while the app is active, though this only covers liability.Our son-in-law is a USAA member (Navy). Can we join also?
Parents are not eligible for USAA. I believe USAA eligibility flows "downstream" — so descendants, i.e.Can my brother use his insurance for damage he caused to my vehicle?
Unfortunately, car insurance follows the vehicle, not the driver. In this case, he cannot use his own insurance to cover the damage he caused to your vehicle.Agree to be paid out of pocket with driver with no license
To sum, having her pay out of pocket might be your best option. Let me explain.See More 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
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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