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Deciding on a car insurance company can be difficult: companies' rates vary by location, age, and driving history, and every company's discounts vary. USAA and Liberty Mutual are two of the most popular insurance companies, offering affordable insurance policies in many states.
To help simplify the process of comparing insurance companies, we gathered average premiums from Liberty Mutual and USAA. These take into account an array of rating factors, chief among which are credit quality, driving record, and demographics. Compare rates and find your next car insurance policy today.
If you have very poor credit, USAA could be a better option for you. On average, USAA offers lower premiums than Liberty Mutual for drivers with credit scores of 579 or less. Insurance shoppers with exceptional credit — a score of 800 or better — should consider USAA, which typically beats Liberty Mutual by $952 per year. Check out common insurance rates by credit score for Liberty Mutual and USAA below.
|Credit score||USAA avg. annual premium||Liberty Mutual avg. annual premium|
|Very Poor (300-579)||$2,682||$3,228|
|Very Good (740-799)||$910||$1,878|
If you have an at-fault accident, speeding ticket, reckless driving citation, or DUI on your résumé, USAA could be a better choice than Liberty Mutual. Every car insurance company prices policies differently after a violation, so always do your due diligence and compare quotes to understand which insurer suits you.
|Violation||USAA avg. annual premium||Liberty Mutual avg. annual premium|
|At-fault accident (damage < $1,000)||$1,304||$2,776|
|At-fault accident (damage > $1,000)||$947||$2,112|
Insurers use a driver's age as an estimator of risk, pricing policies accordingly. Car insurance is commonly priciest for teen drivers — due to their increased odds of being involved in an accident — and most affordable for middle-aged drivers. Because every insurance company prices age tiers in a different way, it's wise to compare rates and find great coverage.
As a general rule, teen drivers should choose USAA over Liberty Mutual: USAA offers average yearly savings of $3,695, compared to Liberty Mutual.
|Age bracket||USAA avg. annual premium||Liberty Mutual avg. annual premium|
Setting aside cost, USAA and Liberty Mutual come with pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
|Discount Comparison||USAA||Liberty Mutual|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||USAA||Liberty Mutual|
|JD Power Rankings||5 out of 5||3 out of 5|
|Other Products||USAA||Liberty Mutual|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||USAA||Liberty Mutual|
|About||USAA is known for their award-winning service, distinguished products and making their customers' needs a priority.||"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||24-hour roadside assistance is included in all of USAA's Extended Vehicle Protection programs. Pricing varies depending on which plan you select. Roadside assistance will pay up to $100 per occurrence of the following: towing service, flat tire change, emergency gas delivery, battery jump, and locksmith services. Substitute Transportation is available up to $250 per occurrence. Travel/Lodging Reimbursement is available up to $300 per occurrence.||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||USAA offers additional discounts for vehicles with daytime running lights and vehicles in storage, as well as a legacy discount for members under 25 years old whose parents have had USAA auto insurance.||Liberty Mutual offers additional discounts for those who have recently moved and for the newly retired, newly married or newly graduated.|
|Recent Questions||Can my brother use his insurance for damage he caused to my vehicle?|
Agree to be paid out of pocket with driver with no license
I had a claim filed against my insurance, not my accident, but my brother’s who was insured and was driving ...
Can I get USAA insurance from son in law
My son was rear-ended by a young woman driving without a license or insurance. Should he agree to let her ...
Does USAA membership extend to grandchildren
My son in law has usaa insurance past on from family. He has added me on as a driver. I’m ...
See More Questions
My grandfather is retired military and is a USAA member. Does membership extend to grandchildren?...
|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||USAA vs. 21st Century USAA vs. Allied USAA vs. Allstate USAA vs. American Family USAA vs. Amica Mutual Insurance USAA vs. Auto Club (AAA) USAA vs. Erie USAA vs. Esurance USAA vs. Farmers USAA vs. Foremost USAA vs. GEICO USAA vs. Infinity USAA vs. Mercury USAA vs. MetLife USAA vs. Nationwide USAA vs. Progressive USAA vs. Root USAA vs. SAFECO USAA vs. Safe Auto USAA vs. State Farm USAA vs. The General USAA vs. The Hartford USAA vs. Titan USAA vs. Travelers||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. State Farm Liberty Mutual vs. The General Liberty Mutual vs. The Hartford Liberty Mutual vs. Titan Liberty Mutual vs. Travelers|
|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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