Liberty Mutual vs Erie Car Insurance

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

Selecting an auto insurance company can be hard: rates vary by driving history, age, and location, and insurers offer a variety of perks. Liberty Mutual and Erie are among the most popular auto insurance companies, providing affordable insurance policies across large portions of America.

In an effort to make insurance shopping seamless, we gathered average rates from Erie and Liberty Mutual. These take into account an array of rating factors, including credit rating, driving behavior, and age. Examine these rates and find your next car insurance policy today.

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


Comparing car insurance rates: Liberty Mutual vs. Erie


Liberty Mutual vs. Erie: by credit level

If you have very poor credit, Erie could be a better option for you. On average, Erie offers lower prices than Liberty Mutual for drivers with credit scores of lower than 580. Drivers with outstanding credit — a score of 800-plus — should favor Check out typical insurance rates by credit score for Erie and Liberty Mutual below.


RATES BY CREDIT SCORE: Erie VS. Liberty Mutual
Credit levelLiberty Mutual avg. annual premiumErie avg. annual premium
Very Poor (300-579)$3,228$2,402
Fair (580-669)$2,276$1,040
Good (670-739)$2,109$894
Very Good (740-799)$1,878$743
Exceptional (800-850)$1,792$726

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

If you're saddled with an at-fault collision, speeding ticket, reckless driving citation, or DUI in your rear view mirror, Erie could be a better choice than Liberty Mutual. Each insurance company prices its policies differently, so always do your due diligence and compare quotes to figure out which insurer is best for you.


RATES BY VIOLATION: Erie VS. Liberty Mutual
CitationLiberty Mutual avg. annual premiumErie avg. annual premium
At-fault accident (damage < $1,000)$2,776$893
At-fault accident (damage > $1,000)$2,112$772
DUI/DWI$4,182$1,163
Reckless driving$3,459$760
Speeding ticket$2,068$747

Liberty Mutual vs. Erie: rates by age

Insurance companies use a driver's age to indicate risk, assigning rates on a sliding scale. Insurance is commonly more expensive for beginning and young drivers — thanks to their inexperience — and most affordable for older drivers. Because each insurance company prices ages in a different way, it's worth comparing rates and shopping around.

As a general rule, teen drivers should choose Erie instead of Liberty Mutual: the former's average annual rates are $4,321 less than the latter's..


COMPARING AUTO INSURANCE RATES BY AGE: Erie VS. Liberty Mutual
AgeLiberty Mutual avg. annual premiumErie avg. annual premium
Teens$6,559$2,238
20s$2,686$1,108
30s$1,942$1,108
40s$1,926$755
50s$1,793$692
60s$1,746$676

Costs aside, Liberty Mutual and Erie come with pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Be sure to shop around before settling on an option.

Discount ComparisonLiberty MutualErie
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 MutualErie
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 100% filled Star icon 100% filled Star icon
5 out of 5
User Satisfaction

A+

A+

Other ProductsLiberty MutualErie
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesLiberty MutualErie
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.Erie Insurance provides customers with the flexibility to customize their car insurance by offering over 30 extra policy features, along with the highest levels of customer service.
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.Erie provides 24-hour roadside assistance for an additional fee on your policy that covers reasonable auto towing and required labor cost at the site of your vehicle breakdown.
Additional DiscountsLiberty Mutual offers additional discounts for those who have recently moved and for the newly retired, newly married or newly graduated.Erie offers an additional discount called "Reduced Usage" that provides a lower rate on your policy if your vehicle is unused for 90 consecutive days during the policy period.
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 Erie reinstate my policy after non-payment?
It's very likely they will reinstate your policy if you pay the amount past due and any potential fees associated with the cancellation. Because each company has their own administrative rules regarding reinstatement, it's very likely for you to be able to get your policy active again.
I was injured in a car accident two months ago, can I still file a claim?
The statute of limitations for filing a bodily injury claim in North Carolina is 3 years. So you are still within your legal time frame to file a claim even though your car's claim was completed.
How long can an insurance company wait to pay out your claim?
Virginia law does not specify an actual time frame for a claim payout but simply requires that insurance companies pay claims in a reasonable time. Most insurance companies want to close claims as quickly as possible, however, so you may want to contact that company directly to ask if they have an estimated date of the payout.
If the person who damaged my vehicle is paying for the repair out of pocket, will the claim show up anywhere on my record?
Unless you notified an insurance company to file a claim or a police officer wrote an incident report of the damage, the repair will not be documented on your driving record or claims history. Insurance companies verify your driving history by looking at your Motor Vehicle Report (MVR) and CLUE report.
See More Questions
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