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Compare Foremost vs. Liberty Mutual: Quotes, Discounts (2022)

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Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Courtney Roy
Written by
Courtney Roy
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Written by
Courtney Roy
Insurance Writer
Courtney Roy is a financial and technology writer. He creates content that makes an actionable difference in the lives of his readers by helping them understand matters of personal finance. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering.
Thomas Fitzgerald
Edited by
Thomas Fitzgerald
Photo of an Insurify author
Edited by
Thomas Fitzgerald
Insurance Writer
Thomas Fitzgerald is an insurance writer at Insurify with a focus on auto insurance. He seeks to make the insurance buying process simple and effective through clear, educational content. Thomas received his bachelor's degree from Wake Forest University and his master's from the University of Chicago. Connect with Thomas on LinkedIn.

Updated August 5, 2022

Foremost vs. Liberty Mutual: A Summary

Foremost and Liberty Mutual are two of the country’s leading insurance companies with considerable market shares. Foremost is a smaller specialty insurance company, whereas Liberty Mutual is a national brand with a larger footprint. To compare car insurance quotes from Foremost, Liberty Mutual, and more, you can use the Insurify quote-comparison tool.

Insurance CompanyAvg. Monthly Car Insurance QuoteInsurify Composite ScoreThe Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
Foremost$12882
Liberty Mutual$24782
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

ICS Score Explanation:

The Insurify Composite Score (ICS) is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

Foremost

In 1952, the Foremost Property and Casualty Insurance Company was established in Grand Rapids, Michigan. After growing for nearly half a century, Foremost was purchased by Farmers Insurance Group in 2000. With the backing of an industry giant, Foremost auto insurance features perks like a mobile app, roadside assistance, and recreational vehicle insurance.

Pros

  • Hassle-free claims experience

  • AARP-approved motorcycle and mobile home insurance company

  • Roadside assistance

Cons

  • Fewer available discounts

Liberty Mutual

With over 100 years of customer service experience, Liberty Mutual aims to provide customers with coverage that meets their insurance needs. The company was originally founded to provide workers compensation insurance in 1912. Today, car insurance policyholders benefit from thorough customer service from local agents, the RightTrack telematics discount, and more.

Pros

  • Accident forgiveness

  • Top-rated overall customer satisfaction

  • RightTrack telematics discount

Cons

  • Expensive premiums

Rating FactorForemostLiberty Mutual
FitchN/AA-
A.M. BestAA
Moody’sN/AA2
S&PAA
J.D. Power868 (Farmers)872

The Best Car Insurance Companies in 2022

RankCompany NameAverage Monthly QuoteInsurify Composite ScoreThe Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
1Clearcover
Best Overall
$13597
2Nationwide
Best for Safe Drivers
$19989
3American Family
Best for Families with Teen Drivers
$23489
4Safeco
Best for Drivers with Poor Credit
$18686
5Farmers
Best for Rideshare Coverage
$23985
6Foremost
Best for Hassle-Free Claims
$15982
7Liberty Mutual
Best for Accident Forgiveness
$24182
8

Mercury

Best for Face-to-Face Service

$23281
9Progressive
Best for Senior Drivers
$14780
10Travelers
Best for Young Drivers
$16380
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Liberty Mutual is the top auto insurance provider for accident forgiveness, so you may want to look into the insurer if you have a recorded at-fault collision in the past three or five years. Foremost is the national insurance company with the best hassle-free claims process, so you should give the insurer a shot if you’ve been dissatisfied with the claims process elsewhere.

Compare Foremost Signature vs. Liberty Mutual: Which Is Cheaper?

Foremost is the clear winner for affordable prices in every data-evaluated category. Foremost’s average monthly car insurance rate is $128, which is $119 less than Liberty Mutual’s $247 monthly price tag. Both companies are pricier than the national average of $69 per month, but you might be surprised at the low rates both can offer, depending on your coverage level.

The Cheapest Car Insurance Companies in 2021

RankInsurance CompanyAverage Cost Per MonthICSThe Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
1USH&C$44Not Rated
2Metromile$63Not Rated
3Direct Auto$64Not Rated
4Travelers$6580
5Kemper$71Not Rated
6Progressive$87Not Rated
7Mile Auto$9185
8National General$9358
9Clearcover$9497
10GAINSCO$94Not Rated
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Foremost and Liberty Mutual are not included on the list of 10 cheapest car insurance companies from 2021. That said, the companies provide attractive pricing to specific segments of the market, like those with clean records and excellent credit. Foremost caters to high-risk drivers, and Liberty Mutual looks to win over college-educated homeowners with multiple cars.

Compare Foremost Signature vs. Liberty Mutual Car Insurance by Age

Your age affects the price you see on your monthly car insurance bill. Generally, older drivers are more experienced, have better credit, and are more likely to be homeowners. All three of these factors tend to decrease driver rates. Teenagers tend to pay more for liability insurance than experienced drivers spend on full coverage because they are seen as higher risk drivers.

Rates by age group from Foremost and Liberty Mutual follow a similar pattern. Teens pay the highest rates, which gradually reduce with experience. As drivers near retirement, the rates start to climb again as driving skills begin to deteriorate. The best monthly rate Foremost offers is $109 for those in their 50s, while Liberty Mutual offers $163 per month for drivers in their 60s.

Age GroupForemostLiberty Mutual
Teen$345$503
20s$127$261
30s$116$208
40s$122$204
50s$109$182
60s$124$163
70s$143$173
80s$156$177
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Compare Foremost Signature vs. Liberty Mutual Car Insurance by Gender

Another factor to think about while purchasing coverage is your gender. Although the pricing difference between men and women is marginal in most cases, it can be substantial at certain insurance companies. Because males, particularly young men, drive more dangerously than women, insurers raise premiums to compensate for the increased risk.

Women pay $2 less every month at Foremost than men, resulting in a marginal price break. At Liberty Mutual, rates for women undercut rates for men by $17 per month, which comes out to $204 less per year. That said, both of the car insurance providers are much more expensive than the national average rates for men and women.

Which is cheapest for men?

Foremost is an intelligent choice for those who wish to devote as few hard-earned dollars as possible to auto insurance. Men who choose Foremost over Liberty Mutual save an average of $1,524 per year on car insurance. Foremost is still much costlier than the national average, so men may want to compare multiple insurance companies that offer reasonably priced insurance.

GenderForemostLiberty MutualNational Average
Men$129$256$81
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Which is cheapest for women?

The most cost-effective solution is Foremost. Women who choose the insurer over Liberty Mutual save $112 monthly, or $1,344 each year. That said, both insurers are much more expensive than the $78 per month national average. Foremost is $49 more per month, while Liberty Mutual is over 3 times pricier. You should check out the competition for even lower rates.

GenderForemostLiberty MutualNational Average
Women$127$239$78
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Compare Foremost Signature vs. Liberty Mutual Car Insurance by Mileage

Insurance agents will tell you that driving more results in higher premiums because increased time on the road raises the risk of accident involvement. In most cases, this logic related to increased mileage is spot on. That said, the rates you pay at different mileage levels may ultimately vary significantly from one insurance provider to the next.

Foremost does not seem to factor in how much policyholders drive when calculating rates. Underwriters are probably prioritizing another rating factor, or the company is simply applying a standard rate for mileage across the board. On the other hand, at Liberty Mutual, mileage is more influential, with significant price fluctuations at every level.

Which is cheapest for drivers with high mileage?

Do you have a lengthy commute or a love for weekend road trips? If so, you may want to look at Foremost and its $127 per month fee. Foremost would save you $145 per month, or $1,740 per year, compared to Liberty Mutual. Both companies offer more expensive rates than the national average of $78 per month.

Annual MileageForemostLiberty MutualNational Average
15,000-20,000$127$272$78
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Which is cheapest for drivers with low mileage?

For infrequent commuters and remote professionals, Foremost is also the best option in comparison to Liberty Mutual. Rates from Foremost saves drivers with low mileage at least $108 per month, and $1,296 per year. Both car insurance providers ask their policyholders to pay rates much higher than the national average, regardless of annual mileage.

Annual MileageForemostLiberty MutualNational Average
5,000$125$233$78
10,000$127$242$78
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Compare Foremost Signature vs. Liberty Mutual Car Insurance by Credit Score

Unless you live in California, Hawaii, or Massachusetts, your credit score will affect your car insurance costs. In those three states, the practice is prohibited, but insurance providers consider credit everywhere else. Drivers with outstanding scores earn the best deals. However, even if you have less-than-ideal credit, you can find affordable quotes with a tool like Insurify.

As you might expect, the rates by credit tier shown below reveal that those with the best credit pay the least for car insurance and that prices increase as individuals go down the credit ladder. Rates from Foremost and Liberty Mutual, as well as the national average, mirror this trend. Regardless of credit tier, both insurance providers surpass the national average.

Which is cheapest for good credit?

Once again, Foremost is the best option for affordable rates. On average, monthly rates from Foremost for drivers with excellent credit are $98 less than Liberty Mutual, totaling up to $1,176 less yearly. After looking at the national average for drivers with excellent and good credit, you can see you may be better off comparing quotes from more than these two companies.

Credit TierForemostLiberty MutualNational Average
Excellent$103$201$60
Good$121$214$71
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Which is cheapest for bad credit?

Foremost is a solid landing spot for folks who are building their credit. You’ll save at least $134 each month by choosing Foremost over Liberty Mutual. However, Foremost is $47 costlier than the $78 per month national average for drivers with average credit. Additionally, Foremost is $42 pricier than the $102 monthly national average for poor credit.

Credit TierForemostLiberty MutualNational Average
Average$125$259$78
Poor$162$311$120
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Compare Foremost Signature vs. Liberty Mutual Car Insurance by Driving Record

Your driving history from the previous three to five years plays a crucial role in determining your insurance premiums. Although it may seem obvious, a clean driving record is your gateway to the most affordable rates. Conversely, tracking down a cost-effective insurance policy becomes much more difficult if your driving record contains past driving incidents.

What are the prices if you have a spotless record? And what happens if that perfect record changes? For policyholders with Foremost and Liberty Mutual, monthly rates will vary depending on driver history in relation to speeding tickets, at-fault accidents, and DUIs. Find out what Foremost and Liberty Mutual offer by driver history in the charts below.

Which is cheapest for good drivers?

If you’re a responsible driver with no recorded incidents, the decision between the two insurance providers is pretty straightforward. Foremost’s $125 monthly charge is $115 less than Liberty Mutual’s rate. However, Foremost is $47 pricier than the national average of $78. Adding multiple insurers to your shopping list may be the wisest strategy for safe drivers.

Driver TypeForemostLiberty MutualNational Average
Clean Record$125$240$78
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Which is cheapest after a speeding ticket?

When drivers get a speeding ticket, prices unfortunately tend to increase. With a speeding ticket recorded in your recent driving history, Foremost offers an average rate of $157 per month, which is $122 cheaper than the rate offered by Liberty Mutual. This price difference adds up to $1,464 less with Foremost per year. Rates from both companies exceed the national average.

Driver TypeForemostLiberty MutualNational Average
Speeding Ticket$157$279$104
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Which is cheapest after an accident?

Perhaps your antilock brakes jammed up or you failed to stop in time. Regardless of the at-fault accident specifics, you may be concerned about rising rates. Unless your insurer offers accident forgiveness, rates will almost certainly go up. Liberty Mutual has top-tier accident forgiveness, but it is still $59 pricier than Foremost. Rates from both companies exceed the national average.

Driver TypeForemostLiberty MutualNational Average
At-Fault Accident$230$289$113
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Which is cheapest after a DUI?

Rates from Foremost for policyholders with a past recorded DUI are unusual in comparison to typical industry standards. Rates after a DUI are actually lower than rates after an at-fault accident. Although Foremost exceeds the national average by $30 per month, it is cheaper than Liberty Mutual by $327 cheaper per month and $3,924 per year.

Driver TypeForemostLiberty MutualNational Average
DUI$143$470$155
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Foremost Signature vs. Liberty Mutual Car Insurance: What discounts does each offer?

Foremost Discounts

  • Electronic payment

  • Go paperless

  • Homeowner

  • Multi-policy (bundling your auto insurance with other insurance products like homeowners insurance, renters insurance, or business insurance)

  • Multi-vehicle

  • Pay in full

  • Preferred driver

  • Safe driver

Liberty Mutual Discounts

  • Claims-free

  • Early shopper

  • Good student

  • Homeowner

  • Military

  • Multi-car

  • Multi-policy

  • Online purchase

  • Preferred payment

  • Paperless policy

  • RightTrack

  • Student away at school

  • Violation free

DiscountForemostLiberty Mutual
Claim-free
Early signing
Electronic payment
Go paperless/Paperless policy
Good student
Homeowner
Military
Multi-policy
Multi-vehicle/Multi-car
Online purchase
Pay in full
Preferred driver
Preferred payment
RightTrack
Safe driver
Student away at school
Violation-free

Our Methodology and How We Compared Foremost and Liberty Mutual

The car insurance quotes provided in Insurify’s insurance company comparison guides are based on the analysis of over 50 thousand insurance quotes from 500 ZIP codes nationwide. Insurify’s data science team performs a comprehensive analysis of factors car insurance providers weigh to calculate rates, including driver demographics, driving record, credit score, desired coverage level, and more to give representative samples.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating calculated by weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers a window into how insurance providers compare to one another in terms of both cost and quality.

Frequently Asked Questions

  • After a comprehensive insurance analysis, Foremost emerges victorious. Foremost’s average monthly rate is $128, and Liberty Mutual’s is $247. However, your price will be determined by your driving history, age, location, and more. For instance, those in rural Connecticut will likely pay less than drivers in New York City.

  • According to the Insurify Composite Score—our internal rating system that factors in financial strength, NAIC reviews, the claims process, and more—both insurers tie with scores of 82. That said, Foremost is cheaper, and Liberty Mutual Insurance Company has better overall customer satisfaction. You should perhaps quote both before choosing your preferred insurance company.

  • The easiest way to compare auto insurance quotes for various coverage options is to use a quote-comparison tool like Insurify. In minutes, you can get personalized quotes from Foremost and Liberty Mutual, as well as other providers like The Hartford, National General, State Farm, USAA, Safeco, and more. The best part? You can compare quotes in a matter of minutes.

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Courtney Roy
Written by
Courtney Roy

Insurance Writer

Courtney Roy is a financial and technology writer. He creates content that makes an actionable difference in the lives of his readers by helping them understand matters of personal finance. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering.

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Thomas Fitzgerald
Edited by
Thomas Fitzgerald
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Insurance Writer

Photo of an Insurify author
Edited by
Thomas Fitzgerald
Insurance Writer
Thomas Fitzgerald is an insurance writer at Insurify with a focus on auto insurance. He seeks to make the insurance buying process simple and effective through clear, educational content. Thomas received his bachelor's degree from Wake Forest University and his master's from the University of Chicago. Connect with Thomas on LinkedIn.