Liberty Mutual vs Safe Auto Car Insurance

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Liberty Mutual or Safe Auto:
Which Company is Best for You?

Deciding on an auto insurance company can be tricky: rates vary by driving history, age, and location, and insurers offer a variety of perks. Liberty Mutual and Safe Auto are two of the most popular insurance companies, providing competitively priced insurance policies in most states across the US.

To simplify the comparison process, we've gathered average rates from Safe Auto and Liberty Mutual. These take into consideration an array of rating factors, chief among which are credit rating, driving history, and age. Take a look at these rates and find the perfect policy for you.


Liberty Mutual vs. Safe Auto: premium comparison


Liberty Mutual vs. Safe Auto: pricing by credit score

If you have very poor credit, Liberty Mutual could be preferable to Liberty Mutual. On average, Liberty Mutual offers more affordable premiums than Safe Auto for drivers with credit scores of less than 580. Drivers with extraordinary credit — a score of 800 or better — should consider Liberty Mutual, which typically beats Safe Auto by $129 annually. View average insurance rates by credit tier for Safe Auto and Liberty Mutual below.


CREDIT SCORE INSURANCE RATE COMPARISON: Safe Auto VS. Liberty Mutual
Credit levelLiberty Mutual avg. annual premiumSafe Auto avg. annual premium
Very Poor (300-579)$3,228$3,799
Fair (580-669)$2,276$2,483
Good (670-739)$2,109$3,358
Very Good (740-799)$1,878$1,937
Exceptional (800-850)$1,792$1,921

Liberty Mutual vs. Safe Auto: high-risk insurance rates

If you're carrying an at-fault collision, ticket, reckless driving violation, or DUI on your driving record, Liberty Mutual could be a better choice than Safe Auto. Every auto insurance company will handle driving offenses differently, so always do your due diligence and compare quotes to figure out which insurance company suits you.


RATES BY VIOLATION: Safe Auto VS. Liberty Mutual
ViolationLiberty Mutual avg. annual premiumSafe Auto avg. annual premium
At-fault accident (damage < $1,000)$2,776$2,867
At-fault accident (damage > $1,000)$2,112$2,837
DUI/DWI$4,182$2,867
Reckless driving$3,459$2,867
Speeding ticket$2,068$2,738

Liberty Mutual vs. Safe Auto: rates by age

Insurers use a driver's age to indicate risk, pricing premiums accordingly. A car insurance policy is commonly more expensive for teens — because of their inexperience — and relatively affordable for middle-aged drivers. Since every insurance company prices ages differently, it's wise to compare rates and find a great fit.

As a general rule, teen drivers should choose Liberty Mutual instead of Safe Auto: Liberty Mutual offers average yearly savings of $1,703 versusSafe Auto.


RATES BY AGE BRACKET: Safe Auto VS. Liberty Mutual
AgeLiberty Mutual avg. annual premiumSafe Auto avg. annual premium
Teens$6,559$8,262
20s$2,686$2,764
30s$1,942$2,764
40s$1,926$2,053
50s$1,793$1,862
60s$1,746$1,707

Costs aside, Liberty Mutual and Safe Auto both have pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

Discount ComparisonLiberty MutualSafe Auto
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 MutualSafe Auto
Financial Strength ExcellentGood
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

A+

A+

Other ProductsLiberty MutualSafe Auto
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesLiberty MutualSafe Auto
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.Safe Auto strives to provide affordable insurance to every driver, no matter the situation.
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.Safe Auto's roadside assistance coverage pays for towing services and certain repair costs required to make your car operable.
Additional DiscountsLiberty Mutual offers additional discounts for those who have recently moved and for the newly retired, newly married or newly graduated.Safe Auto specializes in providing minimum, state required coverage and full coverage to drivers who have had some trouble getting affordable rates due to tickets, accidents, and license issues.
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
Should I get full coverage from a less well-known insurer?

I recently wrecked my car, my fault, with only liability. I need to replace it and the collision place that ...

Who is at-fault when parking spot stopper had bolts sticking out of it?

I pulled too far forward while parking and hit the cement stopper which had bolts sticking out of it. It ...

If my daughter is uninsured and gets rear-ended by another driver, will their insurance cover her damage?

My daughter is listed as a driver on my policy but she just recently got the car and I haven’t ...

Do car insurance companies share information?

My rate went up after I had an accident so I shopped around and found a better price with a ...

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. 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. State Farm Liberty Mutual vs. The General Liberty Mutual vs. The Hartford Liberty Mutual vs. Titan Liberty Mutual vs. Travelers Liberty Mutual vs. USAASafe Auto vs. 21st Century Safe Auto vs. Allied Safe Auto vs. Allstate Safe Auto vs. American Family Safe Auto vs. Amica Mutual Insurance Safe Auto vs. Auto Club (AAA) Safe Auto vs. Erie Safe Auto vs. Esurance Safe Auto vs. Farm Bureau Mutual Safe Auto vs. Farmers Safe Auto vs. Foremost Safe Auto vs. GEICO Safe Auto vs. Infinity Safe Auto vs. Mercury Safe Auto vs. MetLife Safe Auto vs. Nationwide Safe Auto vs. North Star Mutual Safe Auto vs. Progressive Safe Auto vs. SAFECO Safe Auto vs. State Farm Safe Auto vs. The General Safe Auto vs. The Hartford Safe Auto vs. Titan Safe Auto vs. Travelers Safe Auto vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona Georgia Illinois Indiana Louisiana Missouri Ohio Pennsylvania Texas Virginia
Additional Resources:

Liberty Mutual vs Safe Auto

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