Selecting a car insurance company can be complicated: companies' rates may vary based on your location, age, and driving history, and companies offer an array of perks. Liberty Mutual and Erie are two of the most popular insurance companies, selling high-quality policies across large portions of the US.
To simplify the process of comparing insurance companies, we've gathered average insurance rates from Erie and Liberty Mutual. These cover a variety of pricing components, including credit history, driving infractions, and age. Check out the below rates and find the perfect policy for you.
If you have extremely bad credit, Erie could be a better option for you. On average, Erie offers cheaper prices than Liberty Mutual for drivers with credit scores of less than 580. Those with exceptional credit — a score of 800 or higher — should consider View average insurance rates by credit score for Erie and Liberty Mutual below.
| Credit score | Liberty Mutual avg. annual premium | Erie 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 |
If you are carrying an at-fault crash, speeding ticket, reckless driving violation, or DWI on your driving résumé, Erie 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 is best for you.
| Citation | Liberty Mutual avg. annual premium | Erie 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 |
Car insurance companies rely on a driver's age to outline potential risk, assigning rates on a sliding scale. An insurance policy is commonly priciest for drivers younger than 25 — because of their inexperience — and more affordable for drivers aged 25 or older. Because every car insurance company prices ages in a different way, it's wise to compare rates and find a great fit.
As a general rule, teen drivers should choose Erie over Liberty Mutual: the former's average annual rates are $4,321 less than the latter's..
| Age bracket | Liberty Mutual avg. annual premium | Erie 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 |
Finances aside, there are myriad pros and cons of both Liberty Mutual and Erie, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
| Discount Comparison | Liberty Mutual | Erie |
|---|---|---|
| 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 Comparison | Liberty Mutual | Erie |
|---|---|---|
| Financial Strength | Excellent | Superior |
| JD Power Rankings | 3 out of 5 | 5 out of 5 |
| User Satisfaction | A+ | A+ |
| Other Products | Liberty Mutual | Erie |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | Liberty Mutual | Erie |
|---|---|---|
| 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 Assistance | Liberty 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 Discounts | Liberty 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 Questions | Why did my rate increase for a $25 towing claim? I used roadside & towing coverage once, my car was towed 2 miles, bill $75, insurance paid $25. I have ... Had a car accident and the insurance company declared it “totaled.” I live in NY state, was in a car ... Kinda seems like they do the same thing. Do I need both? I have a new teen driver (17-year-old son) ... On 11/06/2017: I receive a notice of Non-Renewal from Progressive Ins. Notice states that the policy will expire on 12:01 ... | Will Erie reinstate my policy after non-payment? I have had Erie for 31 years..2 home owners and also auto... I was rear ended and didn’t go to the hospital. That was two months ago. Now I can barely walk. ... In Virginia, is there a time limit on how long after a car accident an insurance company can wait to ... Someone dented the hood of my car by standing on it. I got a repair estimate of $500 and the ... |
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