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At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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Allstate and Liberty Mutual are two of the largest car insurance companies in the country, with 10.18% and 3.27% of the U.S. auto insurance market share, respectively.[1]
Allstate offers lower average rates to drivers. But Liberty Mutual has more comprehensive coverage add-ons. The right insurer for you will vary based on your unique situation and coverage needs.
Here’s what you need to know about Allstate and Liberty Mutual to help you decide which one is the better car insurance company for you.
The average monthly cost of liability insurance is $75 from Allstate and $153 from Liberty Mutual.
Liberty Mutual scored significantly higher than Allstate in the 2025 J.D. Power U.S. Auto Claims Satisfaction Study, but Allstate earned a higher overall customer satisfaction ranking.
Both companies offer several discounts that can help you save on car insurance costs.
Allstate and Liberty Mutual are two of the largest U.S. auto insurers. Each company offers a full suite of car insurance policy options in most U.S. states.
Allstate offers lower rates than Liberty Mutual on average, making it the clear choice for drivers seeking competitive rates. It also has a slightly higher financial strength rating than Liberty Mutual. But Liberty Mutual is the better choice for drivers seeking robust add-on coverage offerings and a variety of discounts.
Both insurers have mixed customer satisfaction ratings — Liberty Mutual ranks higher for claims satisfaction, while Allstate ranks higher for overall customer satisfaction.[2] [3] Liberty Mutual has a higher-than-average number of customer complaints filed with the National Association of Insurance Commissioners (NAIC), while Allstate has an average number of complaints.
Before purchasing coverage from either company, you should compare personalized quotes, coverages, and customer reviews to determine which one is best for you.
 |  |
|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $109/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $181/mo* |
Overall rating 3.8 | Overall rating 3.4 |
Value for money 3.3/5 | Value for money 3.0/5 |
Customer service 3.8/5 | Customer service 3.3/5 |
Claims handling 3.8/5 | Claims handling 3.5/5 |
Special highlight Accident forgivenessAI-generated from 4105 user reviews | Special highlight Numerous discountsAI-generated from 1841 user reviews |
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $75/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $142/mo |
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
Allstate offers affordable auto insurance rates. It also advertises eight discounts that you may use to potentially save more on coverage. Allstate has several additional coverages, including rideshare, accident forgiveness, and classic car insurance. The company has an A+ (Superior) financial strength rating from AM Best, which indicates a strong ability to pay out claims.
Several discounts
Accident forgiveness available
More affordable rates
Below-average claims satisfaction rating from J.D. Power
Poor customer ratings on Trustpilot and with the Better Business Bureau (BBB)
Higher-than-average number of customer complaints with the NAIC
| User Reviews | 3.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $153/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $209/mo |
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
Liberty Mutual has many coverage add-ons, including unique coverages like original parts replacement, better car replacement, accident forgiveness, teachers’ auto insurance, and more.
Although Liberty Mutual has higher average premiums than Allstate, it has 13 discounts that can help you save money. Liberty Mutual earned one of the top rankings in the 2025 J.D. Power Auto Claims Satisfaction Study.
Numerous discounts
Accident forgiveness available
Above-average claims satisfaction rating from J.D. Power
More expensive premiums than some insurers
Poor customer ratings on Trustpilot and with the BBB
Below-average customer satisfaction rating from J.D. Power
Allstate offers lower average premiums than Liberty Mutual, but how much you’ll pay will ultimately depend on your age, driving record, coverage level, credit history, and more.[4]
For example, having multiple violations on your driving record typically results in higher rates compared to a driver with a claims-free history. You should always compare insurance quotes from at least a few companies to find the cheapest coverage before committing to a policy.
Use the table below to find out which company offers lower rates for several different driver profiles. Average monthly premiums below reflect liability insurance quotes unless otherwise specified.
Driver Type  | Allstate | Liberty Mutual |
|---|---|---|
| Adult drivers | $73 | $168 |
| Liability-only coverage | $75 | $153 |
| Full coverage | $142 | $209 |
| Drivers with a speeding ticket | $101 | $197 |
| Drivers with a DUI | $110 | $225 |
| Drivers with an at-fault accident | $101 | $205 |
| Poor credit drivers | $91 | $176 |
| Good credit drivers | $65 | $114 |
| Teen drivers | $161 | $262 |
| Senior drivers | $57 | $123 |
Liability quotes start at $44/mo.
Allstate and Liberty Mutual each offer a suite of car insurance discounts to customers. For example, both insurers allow you to bundle your auto coverage with other insurance products, like life insurance, renters insurance, or home insurance, to save on premiums.
Liberty Mutual offers a few more discounts than Allstate, such as homeowner, military, and early shopper discounts. That said, Allstate has an anti-theft device discount that Liberty Mutual doesn’t.
The table below highlights how available discounts from Allstate and Liberty Mutual compare.
Discount | Allstate | Liberty Mutual |
|---|---|---|
| Safe driver | ✔ | ✔ |
| Defensive driving course | ✖ | ✖ |
| Multi-policy | ✔ | ✔ |
| Multi-car | ✔ | ✔ |
| Low mileage | ✖ | ✖ |
| Telematics | ✔ | ✔ |
| Anti-theft device | ✔ | ✖ |
| New car | ✖ | ✖ |
| Military | ✖ | ✔ |
| Good student | ✔ | ✔ |
| Loyalty | ✖ | ✖ |
| Auto pay | ✔ | ✔ |
| Student away at school | ✔ | ✔ |
| Homeowner | ✖ | ✔ |
| Early shopper | ✖ | ✔ |
| Pay in full | ✔ | ✔ |
Both Allstate and Liberty Mutual have strong financial stability ratings from AM Best and below-average overall customer satisfaction reviews. Liberty Mutual has a higher-than-average number of complaints filed with the NAIC, while Allstate has an average number. The companies have similarly poor customer reviews on the BBB website.
See how these two auto insurers compare in customer satisfaction and financial strength.
Score | Allstate | Liberty Mutual |
|---|---|---|
| IQ Score | 8.9 | 7.7 |
| Customer reviews | 3.8/5 (8,324 reviews) | 3.4/5 (3,351 reviews) |
| J.D. Power | 635/1,000 | 617/1,000 |
| AM Best rating | A+ (Superior) | A (Excellent) |
| NAIC complaint index | 1.00 (average) | 4.21 (above average) |
| BBB customer reviews | 1.12 out of 5 stars | 1.08 out of 5 stars |
Insurify asks drivers to share their experiences with auto insurance companies. Below, you can consider real, verified Allstate insurance reviews.
Insurify collects real, verified customer reviews from Liberty Mutual drivers. If you’re looking for honest feedback about Liberty Mutual, you’ll find it below.
Allstate and Liberty Mutual each offer telematics insurance programs, which can provide savings to good drivers.
Unlike pay-per-mile programs, which track the number of miles you drive, a telematics program tracks how you drive. Insurers use telematics to track driving behaviors like speed, hard braking, and phone usage. They then use this data to determine how safely you drive and how much they should charge you for coverage.
After an evaluation period with Allstate’s Drivewise or Liberty Mutual’s RightTrack, you may earn a discount or face higher car insurance rates, depending on your driving habits. For safe drivers, these programs can result in significant savings. For example, Liberty Mutual policyholders can save up to 30% through RightTrack.
The table below highlights the differences between Allstate’s Drivewise and Liberty Mutual’s RightTrack programs.
Feature | Allstate Drivewise | Liberty Mutual RightTrack |
|---|---|---|
| Best for | Drivers who want crash detection | Drivers who want higher savings |
| Savings potential | Varies based on driving behavior | Up to 30% (including up to 15% for enrolling) |
| How it works | Uses your phone to track speed, braking, acceleration, and mileage | Uses your smartphone’s sensors to track speed, braking, and phone distractions |
| Availability | 48 states (not available in Alaska and California) | 40 states (limited availability) |
| Data tracked | Speed, braking, phone activity, and nighttime driving | Hard braking, nighttime driving, rush hour driving, speed, and phone use |
| Mobile app rating (App Store/Google Play) | 4.8/5 stars 4.0/5 stars | 4.8/5 stars 4.6/5 stars |
| Driver feedback tools | Real-time trip scoring and feedback | Tips and coaching |
| Gamified rewards | ✔ (Complete safe-driving challenges) | ✔ (Driver receives a score) |
| Compatibility | Smartphone app only | Smartphone app only |
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Both Allstate and Liberty Mutual offer a wide range of car insurance coverages. Notably, Allstate offers rideshare insurance, while Liberty Mutual doesn’t.
You’ll find a breakdown of some of the coverage each insurance company offers below.
Coverage | Allstate | Liberty Mutual |
|---|---|---|
| Bodily injury liability (BI) | ✔ | ✔ |
| Property damage liability (PD) | ✔ | ✔ |
| Personal injury protection (PIP insurance) | ✔ | ✔ |
| Uninsured/underinsured motorist coverage (UM/UIM) | ✔ | ✔ |
| Medical payments (MedPay) | ✔ | ✔ |
| Collision | ✔ | ✔ |
| Comprehensive | ✔ | ✔ |
| Roadside assistance | ✔ | ✔ |
| Rental reimbursement | ✔ | ✔ |
| Gap insurance | ✔ | ✔ |
| Classic car insurance | ✔ | ✔ |
| Rideshare insurance | ✔ | ✖ |
The following information can help answer your remaining questions about coverage offerings from Allstate and Liberty Mutual.
Allstate offers lower average premiums to drivers. But the price you’ll face can vary dramatically based on your coverage level, deductible, bundling status, and more. On average, liability insurance costs $75 per month from Allstate and $153 from Liberty Mutual. Full-coverage insurance costs $142 per month from Allstate and $209 from Liberty Mutual.
Yes. Liberty Mutual has a strong record of paying claims, according to the J.D. Power 2025 U.S. Auto Claims Satisfaction Study. The insurer scored 730 out of 1,000 for claims satisfaction, compared to the study average of 700, indicating a solid claims process. Liberty Mutual also holds an A (Excellent) financial strength rating from AM Best.
Both insurers have solid reputations, so it depends on what you’re looking for. Liberty Mutual has a higher claims satisfaction rating than Allstate, which is an important metric for potential customers. But Allstate tends to offer lower premiums.
No. GEICO doesn’t own Liberty Mutual. The insurer is a mutual company, which means its policyholders own it.
Liberty Mutual’s higher NAIC complaint index score indicates this insurer has more complaints than Allstate.
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Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
Sarah has been a contributor at Insurify since September 2022.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Featured in
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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