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Picking an auto insurance company can be tricky: rates can vary by driving record, age, and location, and companies offer an array of discounts. State Farm and Liberty Mutual are two of the nation's top auto insurance companies, providing high-quality policies across many states.
To simplify the process of comparing insurance companies, we've pulled average premiums from Liberty Mutual and State Farm. These cover an array of pricing factors, including credit quality, driving infractions, and age. Examine these rates and find the right policy for you.
If you have very bad credit, Liberty Mutual could be preferable to State Farm. Typically, Liberty Mutual offers cheaper prices than State Farm for prospective clients with credit scores of lower than 580. Those with outstanding credit — a score of 800 or higher — should opt for State Farm, which typically beats Liberty Mutual by $532 per year. Check out typical 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're carrying an at-fault accident, ticket, reckless driving citation, or DUI on your résumé, Liberty Mutual could be a better choice than State Farm. Every insurance company prices its policies differently, so always do your due diligence and compare quotes to find out which insurance company suits you.
|Citation||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 use a driver's age as an estimator of risk, assigning rates on a sliding scale. An auto insurance policy is often expensive for teens — due to their inexperience — and relatively affordable for drivers aged 25 or older. Because every auto insurance company evaluates age tiers differently, it's worth comparing rates and shopping around.
As a general rule, teen drivers should choose State Farm over 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|
Setting aside cost, State Farm and Liberty Mutual each have pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Be sure to weigh these elements before deciding.
|Discount Comparison||State Farm||Liberty Mutual|
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|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||State Farm||Liberty Mutual|
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|Other Products||State Farm||Liberty Mutual|
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|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.||"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.|
|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||My car was towed by an apartment complex, will State Farm reimburse me for the towing cost?|
Roadside assistance covers towing but it won't cover your car being towed by someone else. Your insurance company will not cover the cost of your car being towed from parking in the wrong location.What could be the reason State Farm increased my premium?
Since it is policy-specific, State Farm will be the only one who can answer why the rate increased by 39%. I am not aware of any insurance law in California that would cause an increase of 39%.I started a claim but canceled it with no payout. Why is it on my CLUE report?
Unfortunately, if you start the claims process, the insurance company can list it on your CLUE report through LexisNexis which contains your claims history — even if there was no payout or resolution. You can dispute with State Farm to see if they will remove it, but at this point, that is really the only option which is definitely frustrating.Does State Farm match auto insurance quotes with other companies?
In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors.See More Questions
|Why 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
|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. Farm Bureau Mutual 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. North Star Mutual State Farm vs. Progressive State Farm vs. Root Insurance State Farm vs. Safe Auto State Farm vs. Safeco 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. 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. 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|