Liberty Mutual vs Allied Car Insurance

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Liberty Mutual or Allied:
Which Company is Best for You?

Selecting a car insurance company can be complicated: companies' rates may vary by location, vehicle, and driving record, and every company provides a different set of discounts. Liberty Mutual and Allied are counted among America's most popular insurance companies, providing high-quality policies in most states.

To make insurance shopping seamless, we've gathered average policy prices from Allied and Liberty Mutual. These cover an array of rating factors, including credit rating, driving behavior, and age. Check out the below rates and find the right policy for you.

Want to learn more? Check out our reviews of Liberty Mutual and Allied.


Liberty Mutual vs. Allied: rate comparison


Liberty Mutual vs. Allied: pricing by credit score

If you have very bad credit, Allied could be the way to go. Typically, Allied offers more affordable prices than Liberty Mutual for drivers with credit scores of less than 580. Drivers with exceptional credit — a score of 800 or better — should favor Check out typical insurance rates by credit score for Allied and Liberty Mutual below.


COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: Allied VS. Liberty Mutual
Credit levelLiberty Mutual avg. annual premiumAllied avg. annual premium
Very Poor (300-579)$3,228$1,483
Fair (580-669)$2,276$1,097
Good (670-739)$2,109$1,104
Very Good (740-799)$1,878$920
Exceptional (800-850)$1,792$857

Liberty Mutual vs. Allied: rates for high-risk drivers

If you're carrying an at-fault crash, ticket, reckless driving citation, or DUI on your record, Allied could be a better choice than Liberty Mutual. Every car insurance company prices policies differently after a violation, so don't hesitate to shop around to understand which insurance company suits you.


HIGH-RISK INSURANCE RATE COMPARISON: Allied VS. Liberty Mutual
InfractionLiberty Mutual avg. annual premiumAllied avg. annual premium
At-fault accident (damage < $1,000)$2,776$1,662
At-fault accident (damage > $1,000)$2,112$1,221
DUI/DWI$4,182$2,708
Reckless driving$3,459$2,708
Speeding ticket$2,068$1,232

Liberty Mutual vs. Allied: rates by age

Insurance companies use a driver's age as an indicator of potential risk, assigning rates accordingly. Insurance is often more expensive for teen drivers — because of their inexperience — and more affordable for middle-aged drivers. Because every car insurance company rates age brackets in a different way, it's wise to compare rates and find a great fit.

As a general rule, teen drivers should choose Allied before Liberty Mutual: the former's average annual rates are $3,033 less than the latter's..


RATES BY AGE: Allied VS. Liberty Mutual
AgeLiberty Mutual avg. annual premiumAllied avg. annual premium
Teens$6,559$3,526
20s$2,686$1,392
30s$1,942$1,392
40s$1,926$959
50s$1,793$915
60s$1,746$832

Cost aside, Liberty Mutual and Allied both have pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.

Discount ComparisonLiberty MutualAllied
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
Telematics
New Vehicle
Annual Mileage
Military
Ratings ComparisonLiberty MutualAllied
Financial Strength ExcellentSuperior
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

A+

A+

Other ProductsLiberty MutualAllied
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesLiberty MutualAllied
About"Buy Online Now” option may qualify you for additional discounts. Here’s why 9 out of 10 customers recommend us: Customized insurance so you only pay for what you need Discounts that save you money Rated “A” by A.M. Best Company.Allied Insurance, a Nationwide company, offers a variety of packages with customizable coverages, discounts, benefits and rewards to make sure your insurance is right for you.
Roadside AssistanceLiberty Mutual offers 24-hour Roadside Assistance (covering towing to the nearest qualified repair facility, fuel delivery, jump starts, and unlocking vehicle doors) with the purchase of optional Towing & Labor coverage.Allied offers roadside assistance to you and your household members while they are driving and even while they are passengers in other vehicles. The roadside coverage offered by Allied includes towing up to 15 miles from the disablement, fuel delivery, lockout coverage, and jump starts.
Additional DiscountsLiberty Mutual offers additional discounts for those who have recently moved and for the newly retired, newly married or newly graduated.Allied is a subsidiary of Nationwide Insurance and offers additional discounts for being previously insured with Farm Bureau and a policy feature to lock in your rates annually.
Recent QuestionsWhy 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
Simply put: 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
Will my insurance company cover my vehicle if my cousin was driving my car?
Insurance follows the vehicle, so if you have collision coverage on your vehicle then your insurance company should cover the damage. You will need to contact them to confirm and begin the claims process.
If I claim my injuries after an accident, will that make my rates higher?
Since North Carolina does not fall into the No Fault state category, filing an injury claim is less likely to impact your future rates but that's not exactly guaranteed. You can always shop for a new policy down the road if you do see an increase, but since you weren't actually injured you could always discuss the details with your insurance company and they can advise you of your options.
Should I cancel my policy if I sold my vehicle and won't be getting another car for a month?
<span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;Canceling your auto insurance when you sell a vehicle sounds like a good idea until you realize the potential pitfalls of doing so. While it may not make sense to maintain auto insurance when you no longer own a vehicle, consider the fact that you still have to have insurance to test drive a vehicle that you are thinking about purchasing.
How much do car insurance rates go up after a DUI?
<span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;Unfortunately there is no way to provide an accurate number or percentage due to the fact that there are so many variables when pricing insurance. One thing to keep in mind is that if he is already insured then the chance of his insurance company finding out about the violation are slim to none.
See More Questions
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States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
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Liberty Mutual vs Allied

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