USAA vs Liberty Mutual Car Insurance

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

Picking an auto insurer is sometimes difficult: companies' rates may vary based on your driving history, age, and location, and every company provides a different set of discounts. USAA and Liberty Mutual are counted among the most popular insurance companies, selling high-quality insurance policies across most of America.

To simplify the comparison process, we've collected average costs from Liberty Mutual and USAA. These take into consideration a variety of rating factors, including credit history, driving infractions, and demographics. Check out the below rates and find the perfect policy for you.

Seeking more information? Check out our reviews of USAA and Liberty Mutual.


USAA vs. Liberty Mutual: rate comparison


USAA vs. Liberty Mutual: prices by credit level

If you have extremely bad credit, USAA could be preferable to USAA. On average, USAA offers lower prices than Liberty Mutual for drivers with credit scores of 579 or less. Drivers with outstanding credit — a score of 800 or higher — should consider USAA, which typically beats Liberty Mutual by $952 per year. Check out average insurance costs by credit level for Liberty Mutual and USAA below.


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 for high-risk drivers

If you've got an at-fault accident, speeding violation, reckless driving citation, or DUI on your driving résumé, USAA could be a better choice than Liberty Mutual. Every auto insurance company has different post-violation pricing structures, so it's worth comparing quotes to find out which insurer suits you.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: 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

Insurance companies rely on a driver's age to outline potential risk, pricing premiums accordingly. Insurance is commonly priciest for teen drivers — because of their inexperience — and relatively affordable for older drivers. Because every auto insurance company rates ages in a different way, it's a smart move to shop around.

As a general rule, teen drivers should choose USAA over Liberty Mutual: USAA offers average yearly savings of $3,695, compared to Liberty Mutual.


RATES BY AGE BRACKET: Liberty Mutual VS. USAA
AgeUSAA 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 each have pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.

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
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon
5 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 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."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 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 QuestionsOur son-in-law is a USAA member (Navy). Can we join also?
Parents are not eligible for USAA. I believe USAA eligibility flows "downstream" — so descendants, i.e.
Can my brother use his insurance for damage he caused to my vehicle?
Unfortunately, car insurance follows the vehicle, not the driver. In this case, he cannot use his own insurance to cover the damage he caused to your vehicle.
Agree to be paid out of pocket with driver with no license
To sum, having her pay out of pocket might be your best option. Let me explain.
Can I get USAA insurance from son in law
Although I am not a licensed agent for USAA, it is my understanding that you need to be a child or spouse of an established members to get a policy. Meaning, you wouldn't be eligible to get your own policy away from your son-in-law.
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 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 Insurance USAA vs. Safe Auto USAA vs. Safeco 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. 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 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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