Liberty Mutual vs Farmers Car Insurance

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

Choosing a car insurance company can be complicated: rates may vary based on your driving record, age, and location, and every company's discounts differ. Liberty Mutual and Farmers are two of the most popular insurers, providing affordable policies across large portions of America.

In an effort to simplify the insurance-shopping process, we have collected average premiums from Farmers and Liberty Mutual. These take into consideration a number of rating factors, chief among which are credit quality, driving behavior, and age. Examine these figures and find the right policy for you.


Liberty Mutual vs. Farmers: premium comparison


Liberty Mutual vs. Farmers: prices by credit level

If you have very poor credit, Farmers could be a better option for you. On average, Farmers offers cheaper rates than Liberty Mutual for drivers with credit scores of 579 or less. Drivers with extraordinary credit — a score of 800 or higher — should lean toward View common insurance costs by credit score for Farmers and Liberty Mutual below.


COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: Farmers VS. Liberty Mutual
Credit levelLiberty Mutual avg. annual premiumFarmers avg. annual premium
Very Poor (300-579)$3,228$2,633
Fair (580-669)$2,276$1,736
Good (670-739)$2,109$1,882
Very Good (740-799)$1,878$1,459
Exceptional (800-850)$1,792$1,354

Liberty Mutual vs. Farmers: high-risk insurance rate comparison

If you are dealing with an at-fault accident, speeding violation, reckless driving citation, or DUI on your résumé, Farmers could be a better choice than Liberty Mutual. Every insurer prices policies differently after a violation, so don't hesitate to shop around to find out which insurer suits you.


RATES BY VIOLATION: Farmers VS. Liberty Mutual
ViolationLiberty Mutual avg. annual premiumFarmers avg. annual premium
At-fault accident (damage < $1,000)$2,776$2,334
At-fault accident (damage > $1,000)$2,112$1,699
DUI/DWI$4,182$3,239
Reckless driving$3,459$4,636
Speeding ticket$2,068$2,045

Liberty Mutual vs. Farmers: rates by age

Auto insurance companies use age as an estimator of risk, pricing policies accordingly. An auto insurance policy is typically expensive for teen drivers — due to their increased odds of being involved in an accident — and relatively affordable for middle-aged drivers. Because every car insurance company prices age tiers in a different way, it's wise to compare rates and find great coverage.

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..


RATES BY AGE BRACKET: Farmers VS. Liberty Mutual
Age tierLiberty Mutual avg. annual premiumFarmers avg. annual premium
Teens$6,559$6,518
20s$2,686$2,020
30s$1,942$2,020
40s$1,926$1,511
50s$1,793$1,507
60s$1,746$1,402

Cost aside, Liberty Mutual and Farmers each come with pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.

Discount ComparisonLiberty MutualFarmers
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 MutualFarmers
Financial Strength ExcellentExcellent
JD Power Rankings
3 out of 5
3 out of 5
User Satisfaction

A+

A+

Other ProductsLiberty MutualFarmers
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Homeowners Insurance
Travel Trailer Insurance
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Motorcycle Insurance
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Other FeaturesLiberty MutualFarmers
AboutLiberty Mutual is committed to providing broad, useful and competitively-priced insurance products and services to meet their customers' ever-changing needs.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 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.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 DiscountsLiberty 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 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
Are some insurance providers better suited to my needs than others to get the best rate?

I am 25 years old and currently drive a 2015 BMW 328i xDrive. It’s leased and i’m about to lease ...

Does Farmers allow exclusions?

Can I exclude my boyfriend on my Farmer’s car insurance policy?...

Will my farmers insurance cover my towing off the the NJ turnpike

Car was towed to the nearest exit off of the turnpike...

Will insurance cover someone other than the insured?

My dad and I live separately. But if I were to borrow this vehicle and get into an accident, would ...

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. 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. 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. USAAFarmers 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. SAFECO Farmers vs. SafeAuto Farmers vs. State Farm Farmers vs. The General Farmers vs. The Hartford Farmers vs. Titan Farmers vs. Travelers Farmers vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
Additional Resources:

Liberty Mutual vs Farmers

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