State Farm vs Liberty Mutual Car Insurance

Compare rates from the top car insurance companies in your area.

Your information is secure.

State Farm or Liberty Mutual:
Which Company is Best for You?

Choosing a car insurance company can be tough: companies' rates differ by driving record, location, and age, and companies offer an array of perks. State Farm and Liberty Mutual are two of the most popular auto insurance companies, providing high-quality coverage in most American states.

To simplify the comparison process, we have gathered average policy rates from Liberty Mutual and State Farm. These cover myriad pricing factors, including credit rating, driving history, and age. Check out the below rates and find the right policy for you.


State Farm vs. Liberty Mutual: insurance rate comparison


State Farm vs. Liberty Mutual: by credit level

If you have extremely bad credit, Liberty Mutual could be the way to go. Typically, Liberty Mutual offers lower prices than State Farm for drivers with credit scores of less than 580. Drivers with exceptional credit — a score of 800-plus — should lean toward State Farm, which typically beats Liberty Mutual by $532 per year. View common insurance costs by credit tier for Liberty Mutual and State Farm below.


CREDIT SCORE INSURANCE RATE COMPARISON: Liberty Mutual VS. State Farm
Credit scoreState Farm avg. annual premiumLiberty Mutual avg. annual premium
Very Poor (300-579)$3,522$3,228
Fair (580-669)$2,003$2,276
Good (670-739)$1,613$2,109
Very Good (740-799)$1,451$1,878
Exceptional (800-850)$1,260$1,792

State Farm vs. Liberty Mutual: rates after infractions

If you are saddled with an at-fault crash, speeding ticket, reckless driving violation, or DUI on your driving résumé, Liberty Mutual could be a better choice than State Farm. Every insurer prices policies differently after a violation, so always do your due diligence and compare quotes to understand which insurer suits you.


RATES BY CITATION: Liberty Mutual VS. State Farm
InfractionState Farm avg. annual premiumLiberty Mutual avg. annual premium
At-fault accident (damage < $1,000)$2,849$2,776
At-fault accident (damage > $1,000)$1,524$2,112
DUI/DWI$3,854$4,182
Reckless driving$2,895$3,459
Speeding ticket$1,983$2,068

State Farm vs. Liberty Mutual: rates by age

Insurance companies rely on a driver's age to estimate risk, assigning rates accordingly. An insurance policy is typically most expensive for young drivers — due to their inexperience — and most affordable for middle-aged drivers. Because every insurance company evaluates age brackets in a different way, it's worth shopping around and finding the best rate for you.

As a general rule, teen drivers should choose State Farm instead of Liberty Mutual: State Farm offers average yearly savings of $739, compared to Liberty Mutual.


AGE BRACKET INSURANCE RATE COMPARISON: Liberty Mutual VS. State Farm
AgeState Farm avg. annual premiumLiberty Mutual avg. annual premium
Teens$5,820$6,559
20s$2,379$2,686
30s$1,585$2,686
40s$1,587$1,926
50s$1,558$1,793
60s$1,485$1,746

Aside from affordability, State Farm and Liberty Mutual each have pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

Discount ComparisonState FarmLiberty Mutual
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 ComparisonState FarmLiberty Mutual
Financial Strength SuperiorExcellent
JD Power Rankings
3 out of 5
3 out of 5
User Satisfaction

A++

A

Other ProductsState FarmLiberty Mutual
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesState FarmLiberty Mutual
AboutGet the protection you need at a price you can afford with State Farm; offering packaged options, discounts and custom coverage to meet any driver's needs.Liberty Mutual is committed to providing broad, useful and competitively-priced insurance products and services to meet their customers' ever-changing needs.
Roadside AssistanceState Farm's Emergency Road Service offers mechanical labor at the place of breakdown, the towing of your vehicle to a repair facility, removal of a stuck vehicle, delivery of gas or oil, assistance with changing a tire or a jumpstart, and locksmith services.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.
Additional DiscountsState Farm offers an additional discount for vehicles made in 1994 or later, depending on the loss experience of the vehicle make and model.Liberty Mutual offers additional discounts for those who have recently moved and for the newly retired, newly married or newly graduated.
Recent QuestionsWhat’s max amount of cars allowed on state farm insurance policy?

What’s the max amount of cars allowed on state farm insurance policy?...

Will my State Farm Car insurance cover the damages to a person’s balcony if we hit it while driving a Uhaul?

I have state farm car insurance and I purchased additional Uhaul insurance that had liability coverage. I hit another person’s ...

Does state farm require you have a police report to file a claim?

My son was driving(24 yes old/ 0 accidents) and served to miss a deer and hit a fire hydrant. No ...

One deductible for two accidents?

Two accidents w/ objects 2 weeks apart. One damaged front bumper, other the back bumper. Can I file 1 claim ...

See More Questions
Why 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
Compare MoreState Farm vs. 21st Century State Farm vs. Allied State Farm vs. Allstate State Farm vs. American Family State Farm vs. Amica Mutual Insurance State Farm vs. Auto Club (AAA) State Farm vs. Erie State Farm vs. Esurance State Farm vs. Farmers State Farm vs. Foremost State Farm vs. GEICO State Farm vs. Infinity State Farm vs. Mercury State Farm vs. MetLife State Farm vs. Metromile State Farm vs. Nationwide State Farm vs. Progressive State Farm vs. Root State Farm vs. SAFECO State Farm vs. Safe Auto State Farm vs. The General State Farm vs. The Hartford State Farm vs. Titan State Farm vs. Travelers State Farm vs. USAALiberty 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. 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. Progressive Liberty Mutual vs. Safe Auto Liberty Mutual vs. The General Liberty Mutual vs. The Hartford Liberty Mutual vs. Titan Liberty Mutual vs. Travelers Liberty Mutual 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:

State Farm vs Liberty Mutual

Survey: Americans in the Dark about Car Insurance
Survey: Americans in the Dark about Car Insurance
Oct 24, 2017

“What you don’t know can’t hurt you…” … is an entirely false statement in the world of auto insurance. Car...

Editorial: A Need for Optionality in Insurance
Editorial: A Need for Optionality in Insurance
Sep 19, 2017

Today The Zebra announced that we closed a record-breaking $40 million Series B funding round, led by Accel Partners. As...

InsurTech Trends: Industry Experts Discuss Which Are Truly Innovative
InsurTech Trends: Industry Experts Discuss Which Are Truly Innovative
Aug 28, 2017

Insurance technology (also known as InsurTech or InsureTech) is en vogue. Whether it’s a new model of underwriting or new...

Why Tesla is Opting to Insure Its Own Cars
Why Tesla is Opting to Insure Its Own Cars
Apr 13, 2017

As driverless vehicles become less a futuristic dream and more a reality, our current system – which is obviously based...

How Does the Government Affect What You Pay for Car Insurance?
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017

  With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...

Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Nov 02, 2016

We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...

The Strangest Insurance Policies We’ve Ever Heard Of
The Strangest Insurance Policies We’ve Ever Heard Of
Sep 16, 2016

At The Zebra, insurance is our bread and butter. But in this enormous and complicated industry, there are lines of...

It’s Not You… Or Is It? What Might Cause Your Insurance Company to Drop You
It’s Not You… Or Is It? What Might Cause Your Insurance Company to Drop You
Jul 05, 2016

Car insurance companies may occasionally cancel policies if customers fail to pay the premium, commit insurance fraud, make unapproved modifications that change the...

The Absurd Spectrum of Auto Insurance Fraud
The Absurd Spectrum of Auto Insurance Fraud
May 24, 2016

Far from a victimless crime perpetuated against bloated corporations, insurance fraud reaches into the lives of everyday citizens. It costs the industry...

When Does a Little White Lie Become Insurance Fraud?
When Does a Little White Lie Become Insurance Fraud?
May 09, 2016

In the U.S., drivers are legally required to carry auto insurance. (Even in New Hampshire, the only state where drivers...

Why Your Auto Insurance Rates Could Be Rising This Year
Why Your Auto Insurance Rates Could Be Rising This Year
Feb 01, 2016

Rate increase? Click to find the cheapest rates on car insurance →   Lower gas prices = more road traffic...

Editorial: A Need for Transparency in Car Insurance
Editorial: A Need for Transparency in Car Insurance
Jan 26, 2016

By Alyssa Connolly, The Zebra We have exciting news on The Zebra front! Today we announced that we closed $17...

Will Insurance Companies Turn to Social Media to Assess Your Risk?
Will Insurance Companies Turn to Social Media to Assess Your Risk?
Oct 21, 2015

In the week following October 10, a story of law enforcement cracking down on a drunk driver spread quickly across...

Move Over Millennials: The Auto Industry is Interested in Your Grandparents
Move Over Millennials: The Auto Industry is Interested in Your Grandparents
Oct 16, 2015

The defining characteristics of the 80 million young people currently between the ages 18 and 34 has been much debated....

Drive Less, Pay Less? The Truth About Mileage and Car Insurance
Drive Less, Pay Less? The Truth About Mileage and Car Insurance
Sep 15, 2015

Driving fewer miles can mean insurance premium savings—for some people with some insurance carriers. So how much less must you...

How to Get Car Insurance for Undocumented Citizens
How to Get Car Insurance for Undocumented Citizens
Aug 27, 2015

Purchasing car insurance: for US citizens, it’s often a rather mundane chore—something that whittles away at disposable income, but without...

Car Insurance Scams: Are You A Target?
Car Insurance Scams: Are You A Target?
Aug 10, 2015

Sometimes things aren’t what they seem at the scene of a car crash, or even on the repair shop floor....

Insurance Telematics USA 2015: A Conference Looking to the Future
Insurance Telematics USA 2015: A Conference Looking to the Future
Jul 07, 2015

Pop quiz: What’s the largest potential technological disrupter of the car insurance industry? (Besides The Zebra, of course.) Answer: telematics....

When Traffic Tickets Cause Insurance Premiums to Rise
When Traffic Tickets Cause Insurance Premiums to Rise
Jun 30, 2015

A traffic ticket of any kind is bad enough—the extra money, the time spent in traffic court or diversion, the...

Could Your Voting Record Affect Your Car Insurance Rates?
Could Your Voting Record Affect Your Car Insurance Rates?
Jun 12, 2015

Anyone who’s ever searched for an auto insurance company knows by the questions they’re asked—plentiful and at times personal—that a...

Should Price Optimization Be Illegal?
Should Price Optimization Be Illegal?
Feb 23, 2015

If you haven’t had a car accident or made an insurance claim recently, you probably only think about your car...

This Guy Could Revolutionize Insurance Company Reviews
This Guy Could Revolutionize Insurance Company Reviews
Jul 24, 2014

You just can’t try insurance before you buy it—not really. You can read car insurance company reviews via some online...