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
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 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."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 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 QuestionsMy 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 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. 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. 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. 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 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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