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Choosing a car insurance company can be tough: rates can fluctuate by driving history, age, and location, and every company provides a different set of discounts. Liberty Mutual and Farmers are two of the nation's most popular auto insurance companies, selling competitively priced coverage in many states.
In an effort to make insurance shopping seamless, we gathered average insurance rates from Farmers and Liberty Mutual. These take into account an array of rating factors, including credit rating, driving behavior, and age. Examine these figures and find your next car insurance policy today.
If you have very poor credit, Farmers could be a better option for you. On average, Farmers offers better premiums than Liberty Mutual for drivers with credit scores of 579 or less. Insurance shoppers with outstanding credit — a score of 800-plus — should opt for View common insurance costs by credit level for Farmers and Liberty Mutual:
|Credit score||Liberty Mutual avg. annual premium||Farmers avg. annual premium|
|Very Poor (300-579)||$3,228||$2,633|
|Very Good (740-799)||$1,878||$1,459|
If you are dealing with an at-fault accident, speeding ticket, reckless driving violation, or DWI in your rear view mirror, Farmers could be a better choice than Liberty Mutual. Every insurance company enacts rate penalties differently, so don't hesitate to shop around to understand which insurance company suits you.
|Violation||Liberty Mutual avg. annual premium||Farmers avg. annual premium|
|At-fault accident (damage < $1,000)||$2,776||$2,334|
|At-fault accident (damage > $1,000)||$2,112||$1,699|
Insurance companies use a driver's age as an indicator of potential risk, pricing premiums accordingly. Car insurance is commonly priciest for beginning and young drivers — due to their inexperience — and relatively affordable for middle-aged drivers. Because each insurance company evaluates age brackets differently, it's worth comparing rates and shopping around.
As a general rule, teen drivers should choose Farmers before Liberty Mutual: the former's average annual rates are $41 less than the latter's..
|Age tier||Liberty Mutual avg. annual premium||Farmers avg. annual premium|
Aside from finances, Liberty Mutual and Farmers each have pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Dive into the data before making your decision.
|Discount Comparison||Liberty Mutual||Farmers|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Liberty Mutual||Farmers|
|JD Power Rankings|
|Other Products||Liberty Mutual||Farmers|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Liberty Mutual||Farmers|
|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.||Farmers Auto Insurance knows that protecting your vehicle is more than just a basic obligation, which is why they provide all the value and flexibility you need, along with unparalleled customer and claim 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.||Farmer's Roadside Assistance provides assistance for reasonable and necessary services up to $150, including towing, roadside winching, locksmith services, flat tire changes, and jump starts.|
|Additional Discounts||Liberty Mutual offers additional discounts for those who have recently moved and for the newly retired, newly married or newly graduated.||Farmers offers an additional discount for seniors.|
|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 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
|Are some insurance providers better suited to my needs than others to get the best rate?|
Because most coverage options can be matched across insurance companies, I think what you are really looking for is the best customer service/claims support for the best cost. Right off the bat, I know Geico probably wouldn't be an option for you with a leased vehicle.Does Farmers allow exclusions?
While I do not work for Farmers, it has been my experience that they do allow exclusions. Usually, you will need to call your agent or a customer service representation at their call sent and request an exclusion form.Will my farmers insurance cover my towing off the the NJ turnpike
Although I am not a Farmers insurance agent, my understanding of Farmer's Roadside Assistance program is you can either call their roadside service while your vehicle is inoperable and they will tow you up to $150 or you can be reimbursed for your troubles. However, this is all dependent on having towing and roadside on your policy.Will insurance cover someone other than the insured?
While it can vary by company, insurance will follow the car rather than the driver. So, in the event you get into an accident in your dad's vehicle, his insurance would be primary and yours would be secondary.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. Erie Liberty Mutual vs. Esurance Liberty Mutual vs. Farm Bureau Mutual 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||Farmers vs. 21st Century Farmers vs. Allied Farmers vs. Allstate Farmers vs. American Family Farmers vs. Amica Mutual Insurance Farmers vs. Auto Club (AAA) Farmers vs. Erie Farmers vs. Esurance Farmers vs. Farm Bureau Mutual Farmers vs. GEICO Farmers vs. Infinity Farmers vs. Mercury Farmers vs. MetLife Farmers vs. Nationwide Farmers vs. North Star Mutual Farmers vs. Progressive Farmers vs. Safe Auto Farmers vs. Safeco Farmers vs. State Farm Farmers vs. The General Farmers vs. The Hartford Farmers vs. Titan Farmers vs. Travelers Farmers vs. USAA|
|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|