State Farm vs Liberty Mutual Car Insurance

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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 QuestionsWill 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 ...

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 ...

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

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