Liberty Mutual vs Erie Car Insurance

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

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.


Comparing car insurance rates: Liberty Mutual vs. Erie


Liberty Mutual vs. Erie: prices by credit level

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.


COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: Erie VS. Liberty Mutual
Credit scoreLiberty 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 drivers with bad records

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.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: 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

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..


RATES BY AGE: Erie VS. Liberty Mutual
Age bracketLiberty 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

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 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
3 out of 5
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?

I used roadside & towing coverage once, my car was towed 2 miles, bill $75, insurance paid $25. I have ...

Can I get a refund for premiums I was forced to pay after accident?

Had a car accident and the insurance company declared it “totaled.” I live in NY state, was in a car ...

What’s the difference between a vanishing deductible and accident forgiveness

Kinda seems like they do the same thing. Do I need both? I have a new teen driver (17-year-old son) ...

Insurer refuses to give me my money back

On 11/06/2017: I receive a notice of Non-Renewal from Progressive Ins. Notice states that the policy will expire on 12:01 ...

See More Questions
Will Erie reinstate my policy after non-payment?

I have had Erie for 31 years..2 home owners and also auto...

I was injured in a car accident two months ago, can I still file a claim?

I was rear ended and didn’t go to the hospital. That was two months ago. Now I can barely walk. ...

How long can an insurance company wait to pay out your claim?

In Virginia, is there a time limit on how long after a car accident an insurance company can wait to ...

If the person who damaged my vehicle is paying for the repair out of pocket, will the claim show up anywhere on my record?

Someone dented the hood of my car by standing on it. I got a repair estimate of $500 and the ...

See More Questions
Compare MoreLiberty 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. USAAErie 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. Safe Auto Erie vs. State Farm Erie vs. The General Erie vs. The Hartford Erie vs. Titan Erie vs. Travelers Erie vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasIllinois Indiana Kentucky Maryland New York North Carolina Ohio Pennsylvania Tennessee Virginia
Additional Resources:

Liberty Mutual vs Erie

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