Liberty Mutual vs Safe Auto Car Insurance

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

Deciding on a car insurance company can be complicated: companies' rates differ by driving record, location, and age, and companies offer an array of discounts. Liberty Mutual and Safe Auto are two of the most popular car insurance companies, providing high-quality policies in most states across the US.

In an effort to simplify the process of comparing insurance companies, we gathered average rates from Safe Auto and Liberty Mutual. The below cover a variety of pricing factors, including credit rating, driving history, and demographics. Examine these rates and find an affordable policy today.

Looking for in-depth analysis? Read our comprehensive reviews of Liberty Mutual and Safe Auto.


Compare Liberty Mutual vs. Safe Auto auto insurance rates


Liberty Mutual vs. Safe Auto: pricing by credit score

If you have very poor credit, Liberty Mutual could be a better option for you. Typically, Liberty Mutual offers lower prices than Safe Auto for drivers with credit scores of 579 or less. Those with excellent credit — a score of 800 or better — should favor Liberty Mutual, which typically beats Safe Auto by $129 per year. Check out average insurance rates by credit level for Safe Auto and Liberty Mutual below.


COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: 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: costs for high-risk drivers

If you are saddled with an at-fault collision, speeding ticket, reckless driving violation, or DUI offense on your driving résumé, Liberty Mutual could be a better choice than Safe Auto. Each insurer enacts rate penalties differently, so don't be afraid to shop around to understand which insurer suits you.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: 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

Auto insurance companies use age to indicate risk, pricing policies accordingly. An auto insurance policy is commonly most expensive for teens — due to their inexperience — and most affordable for older drivers. Because each insurance company prices age tiers differently, it's wise to compare rates and find a great fit.

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


COMPARING AUTO INSURANCE RATES BY AGE: 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

Setting aside cost, Liberty Mutual and Safe Auto each carry pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.

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
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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?
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
Should I get full coverage from a less well-known insurer?
Whether or not the company is a "mainstream" provider doesn't mean that you would have a bad claims experience. There are several companies out there that have been around for several years and just don't advertise like other companies.
Who is at-fault when parking spot stopper had bolts sticking out of it?
Unfortunately you would be considered at fault for the damage to your vehicle. If you file a claim, it will likely be paid under collision coverage, meaning you'll be required to pay your deductible.
If my daughter is uninsured and gets rear-ended by another driver, will their insurance cover her damage?
In most instances of rear-end accidents, the driver who was hit is normally considered to be not at fault so I'd recommend that your daughter contact the insurance company of the other driver to start the claims process. In Texas, your insurance status (or lack thereof) should not keep you from being compensated if you are hit by an at-fault driver.
Do car insurance companies share information?
The new insurance company is likely to find out about the accident, but that will come from your driving reports when you buy your policy. The majority of insurance companies request a motor vehicle report (MVR) and a comprehensive loss underwriting exchange (CLUE) report to verify the accuracy of a new customer's driving record.
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
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Liberty Mutual vs Safe Auto

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