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.
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||State Farm avg. annual premium||Liberty Mutual avg. annual premium|
|Very Poor (300-579)||$3,522||$3,228|
|Very Good (740-799)||$1,451||$1,878|
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.
|Infraction||State Farm avg. annual premium||Liberty Mutual avg. annual premium|
|At-fault accident (damage < $1,000)||$2,849||$2,776|
|At-fault accident (damage > $1,000)||$1,524||$2,112|
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||State Farm avg. annual premium||Liberty Mutual avg. annual premium|
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 Comparison||State Farm||Liberty Mutual|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||State Farm||Liberty Mutual|
|JD Power Rankings||3 out of 5||3 out of 5|
|Other Products||State Farm||Liberty Mutual|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||State Farm||Liberty Mutual|
|About||Get 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 Assistance||State 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 Discounts||State 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 Questions||Will my State Farm Car insurance cover the damages to a person’s balcony if we hit it while driving a Uhaul?|
Does state farm require you have a police report to file a claim?
I have state farm car insurance and I purchased additional Uhaul insurance that had liability coverage. I hit another person’s ...
One deductible for two accidents?
My son was driving(24 yes old/ 0 accidents) and served to miss a deer and hit a fire hydrant. No ...
Are some insurance providers better suited to my needs than others to get the best rate?
Two accidents w/ objects 2 weeks apart. One damaged front bumper, other the back bumper. Can I file 1 claim ...
See More Questions
I am 25 years old and currently drive a 2015 BMW 328i xDrive. It’s leased and i’m about to lease ...
|Why did my rate increase for a $25 towing claim?|
Can I get a refund for premiums I was forced to pay after accident?
I used roadside & towing coverage once, my car was towed 2 miles, bill $75, insurance paid $25. I have ...
What’s the difference between a vanishing deductible and accident forgiveness
Had a car accident and the insurance company declared it “totaled.” I live in NY state, was in a car ...
Insurer refuses to give me my money back
Kinda seems like they do the same thing. Do I need both? I have a new teen driver (17-year-old son) ...
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On 11/06/2017: I receive a notice of Non-Renewal from Progressive Ins. Notice states that the policy will expire on 12:01 ...
|Compare More||State 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. USAA||Liberty 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 Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
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