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 | ||
| 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? 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 forgivenessSimply 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 backI 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 |
| 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. Safe Auto 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. Safe Auto Erie vs. Safeco Erie vs. State Farm Erie vs. The General Erie vs. The Hartford Erie vs. Titan Erie vs. Travelers Erie vs. USAA |
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