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|
|Very Good (740-799)||$1,878||$743|
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|
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|
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|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Liberty Mutual||Erie|
|JD Power Rankings||3 out of 5||5 out of 5|
|Other Products||Liberty Mutual||Erie|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Liberty Mutual||Erie|
|About||Liberty Mutual is committed to providing broad, useful and competitively-priced insurance products and services to meet their customers' ever-changing needs.||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?|
Can I get a refund for premiums I was forced to pay after accident?
I used roadside & towing coverage once, my car was towed 2 miles, bill $75, insurance paid $25. I have ...
What’s the difference between a vanishing deductible and accident forgiveness
Had a car accident and the insurance company declared it “totaled.” I live in NY state, was in a car ...
Insurer refuses to give me my money back
Kinda seems like they do the same thing. Do I need both? I have a new teen driver (17-year-old son) ...
See More Questions
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 was injured in a car accident two months ago, can I still file a claim?
I have had Erie for 31 years..2 home owners and also auto...
How long can an insurance company wait to pay out your claim?
I was rear ended and didn’t go to the hospital. That was two months ago. Now I can barely walk. ...
If the person who damaged my vehicle is paying for the repair out of pocket, will the claim show up anywhere on my record?
In Virginia, is there a time limit on how long after a car accident an insurance company can wait to ...
See More Questions
Someone dented the hood of my car by standing on it. I got a repair estimate of $500 and the ...
|Compare More||Liberty Mutual vs. 21st Century Liberty Mutual vs. Allied Liberty Mutual vs. Allstate Liberty Mutual vs. American Family Liberty Mutual vs. Amica Mutual Insurance Liberty Mutual vs. Auto Club (AAA) Liberty Mutual vs. Esurance Liberty Mutual vs. Farm Bureau Mutual Liberty Mutual vs. Farmers Liberty Mutual vs. Foremost Liberty Mutual vs. GEICO Liberty Mutual vs. Infinity Liberty Mutual vs. Mercury Liberty Mutual vs. MetLife Liberty Mutual vs. Nationwide Liberty Mutual vs. North Star Mutual Liberty Mutual vs. Progressive Liberty Mutual vs. SafeAuto Liberty Mutual vs. State Farm Liberty Mutual vs. The General Liberty Mutual vs. The Hartford Liberty Mutual vs. Titan Liberty Mutual vs. Travelers Liberty Mutual vs. USAA||Erie vs. 21st Century Erie vs. Allied Erie vs. Allstate Erie vs. American Family Erie vs. Amica Mutual Insurance Erie vs. Auto Club (AAA) Erie vs. Esurance Erie vs. Farm Bureau Mutual Erie vs. Farmers Erie vs. Foremost Erie vs. GEICO Erie vs. Infinity Erie vs. Mercury Erie vs. MetLife Erie vs. Nationwide Erie vs. North Star Mutual Erie vs. Progressive Erie vs. SAFECO Erie vs. SafeAuto Erie vs. State Farm Erie vs. The General Erie vs. The Hartford Erie vs. Titan Erie vs. Travelers Erie vs. USAA|
|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Illinois Indiana Kentucky Maryland New York North Carolina Ohio Pennsylvania Tennessee Virginia|
“What you don’t know can’t hurt you…” … is an entirely false statement in the world of auto insurance. Car...
Today The Zebra announced that we closed a record-breaking $40 million Series B funding round, led by Accel Partners. As...
Insurance technology (also known as InsurTech or InsureTech) is en vogue. Whether it’s a new model of underwriting or new...
As driverless vehicles become less a futuristic dream and more a reality, our current system – which is obviously based...
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
At The Zebra, insurance is our bread and butter. But in this enormous and complicated industry, there are lines of...
Car insurance companies may occasionally cancel policies if customers fail to pay the premium, commit insurance fraud, make unapproved modifications that change the...
Far from a victimless crime perpetuated against bloated corporations, insurance fraud reaches into the lives of everyday citizens. It costs the industry...
In the U.S., drivers are legally required to carry auto insurance. (Even in New Hampshire, the only state where drivers...
Rate increase? Click to find the cheapest rates on car insurance → Lower gas prices = more road traffic...
By Alyssa Connolly, The Zebra We have exciting news on The Zebra front! Today we announced that we closed $17...
In the week following October 10, a story of law enforcement cracking down on a drunk driver spread quickly across...
The defining characteristics of the 80 million young people currently between the ages 18 and 34 has been much debated....
Driving fewer miles can mean insurance premium savings—for some people with some insurance carriers. So how much less must you...
Purchasing car insurance: for US citizens, it’s often a rather mundane chore—something that whittles away at disposable income, but without...
Sometimes things aren’t what they seem at the scene of a car crash, or even on the repair shop floor....
Pop quiz: What’s the largest potential technological disrupter of the car insurance industry? (Besides The Zebra, of course.) Answer: telematics....
A traffic ticket of any kind is bad enough—the extra money, the time spent in traffic court or diversion, the...
Anyone who’s ever searched for an auto insurance company knows by the questions they’re asked—plentiful and at times personal—that a...
If you haven’t had a car accident or made an insurance claim recently, you probably only think about your car...
You just can’t try insurance before you buy it—not really. You can read car insurance company reviews via some online...