USAA vs Liberty Mutual Car Insurance

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USAA or Liberty Mutual:
Which Company is Best for You?

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.


USAA vs. Liberty Mutual: rate comparison


USAA vs. Liberty Mutual: prices by credit level

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.


COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: Liberty Mutual VS. USAA
Credit scoreUSAA avg. annual premiumLiberty Mutual avg. annual premium
Very Poor (300-579)$2,682$3,228
Fair (580-669)$1,247$2,276
Good (670-739)$1,057$2,109
Very Good (740-799)$910$1,878
Exceptional (800-850)$840$1,792

USAA vs. Liberty Mutual: rates after infractions

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.


HIGH-RISK INSURANCE RATE COMPARISON: Liberty Mutual VS. USAA
ViolationUSAA avg. annual premiumLiberty Mutual avg. annual premium
At-fault accident (damage < $1,000)$1,304$2,776
At-fault accident (damage > $1,000)$947$2,112
DUI/DWI$1,952$4,182
Reckless driving$1,472$3,459
Speeding ticket$1,124$2,068

USAA vs. Liberty Mutual: rates by age

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.


COMPARING AUTO INSURANCE RATES BY AGE: Liberty Mutual VS. USAA
Age bracketUSAA avg. annual premiumLiberty Mutual avg. annual premium
Teens$2,864$6,559
20s$1,261$2,686
30s$963$2,686
40s$957$1,926
50s$889$1,793
60s$845$1,746

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 ComparisonUSAALiberty 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 ComparisonUSAALiberty Mutual
Financial Strength SuperiorExcellent
JD Power Rankings
5 out of 5
3 out of 5
User Satisfaction

A++

A

Other ProductsUSAALiberty Mutual
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesUSAALiberty Mutual
AboutUSAA is known for their award-winning service, distinguished products and making their customers' needs a priority.Liberty Mutual is committed to providing broad, useful and competitively-priced insurance products and services to meet their customers' ever-changing needs.
Roadside Assistance24-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 DiscountsUSAA 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 QuestionsCan my brother use his insurance for damage he caused to my vehicle?

I had a claim filed against my insurance, not my accident, but my brother’s who was insured and was driving ...

Agree to be paid out of pocket with driver with no license

My son was rear-ended by a young woman driving without a license or insurance. Should he agree to let her ...

Can I get USAA insurance from son in law

My son in law has usaa insurance past on from family. He has added me on as a driver. I’m ...

Does USAA membership extend to grandchildren

My grandfather is retired military and is a USAA member. Does membership extend to grandchildren?...

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 ...

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Compare MoreUSAA 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. TravelersLiberty 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. State Farm Liberty Mutual vs. The General Liberty Mutual vs. The Hartford Liberty Mutual vs. Titan Liberty Mutual vs. Travelers
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
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USAA vs Liberty Mutual

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