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5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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Experienced personal finance writer
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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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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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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Liberty Mutual and State Farm are two of the largest car insurance companies. Liberty Mutual serves 4% of the U.S. market, ranking No. 5 in size, while State Farm is the biggest auto insurer, with a market share of more than 10%.[1]
Liberty Mutual offers a wide selection of add-on coverages but has very high average premiums. State Farm has impressive customer satisfaction ratings and an extensive network of local agents, but its extra coverage options are more limited.
See how Liberty Mutual and State Farm compare on rates, coverages, discounts, and customer satisfaction so you can decide which insurer may be the better fit.
Liberty Mutual has more auto insurance complaints than State Farm.
State Farm offers two telematics programs — one for adult drivers and one for teens and young drivers.
Liberty Mutual has more discounts than State Farm.
Drivers looking for discounts and a wider range of optional coverages should choose Liberty Mutual. The company offers more discounts than State Farm, including a military discount and a homeowner discount. Liberty Mutual also offers more types of insurance compared to State Farm, and it has an excellent claims satisfaction score from J.D. Power.[2]
Choose State Farm if you want lower rates and an insurer known for high customer satisfaction. It has lower average rates than Liberty Mutual. J.D. Power rates State Farm above average for overall customer satisfaction in all U.S. regions, while Liberty Mutual is rated below average in every region except New England.[3]
To find the best car insurance company for your situation, it’s a good idea to shop around to compare several insurers and get personalized insurance quotes.
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|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $182/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $82/mo* |
Overall rating 3.4 | Overall rating 4.1 |
Value for money 3.0/5 | Value for money 3.6/5 |
Customer service 3.3/5 | Customer service 4.2/5 |
Claims handling 3.5/5 | Claims handling 4.0/5 |
Special highlight Numerous discountsAI-generated from 1837 user reviews | Special highlight Customer serviceAI-generated from 6816 user reviews |
| 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. | $154/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. | $210/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 is the best insurer if you want to customize your car insurance policy. It offers lots of endorsements, including gap insurance, original parts replacement insurance, accident forgiveness, new car replacement insurance, and more.
You can also get lifetime guaranteed auto repairs when you take your vehicle to a participating body shop. State Farm only offers basic endorsements, like emergency roadside assistance and rental car reimbursement.
Many available add-ons
Many available discounts
Excellent J.D. Power claims satisfaction rating
Higher average premiums than State Farm
Poor J.D. Power customer satisfaction ratings
More than four times as many complaints as expected, per National Association of Insurance Commissioners (NAIC)
| User Reviews | 4.1 |
|---|---|
| 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. | 9.3 /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. | $56/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. | $108/mo |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
State Farm stands out for its customer satisfaction. The company is rated above average in every U.S. region in the J.D. Power 2025 U.S. Auto Insurance Study. This is a stark difference from Liberty Mutual, which rated below average in most regions. State Farm also receives fewer complaints than expected for its size, according to the NAIC.
High J.D. Power customer satisfaction ratings
Fewer complaints than expected according to NAIC
Low average premiums
Limited optional coverages
Fewer discounts than Liberty Mutual
Gap insurance not available
State Farm offers cheaper car insurance premiums than Liberty Mutual, based on Insurify’s rate data. In the table below, you can see average pricing from Liberty Mutual and State Farm based on various coverage types and driver profiles.
Driver Type  | Liberty Mutual | State Farm |
|---|---|---|
| Adult drivers | $231 | $99 |
| Liability-only coverage | $154 | $56 |
| Full coverage | $210 | $108 |
| Drivers with a speeding ticket | $271 | $137 |
| Drivers with a DUI | $308 | $159 |
| Drivers with an at-fault accident | $280 | $141 |
| Poor credit drivers | $241 | $175 |
| Good credit drivers | $156 | $86 |
| Teen drivers | $359 | $222 |
| Senior drivers | $169 | $77 |
Liability rates start as low as $43 per month
Liberty Mutual has a slightly bigger selection of car insurance discounts than State Farm. Liberty Mutual has higher insurance rates, on average, but taking advantage of discounts could significantly reduce your premium. Teachers may also qualify for deductible discounts.
State Farm also offers generous discounts. For example, the company claims customers who bundle State Farm car insurance with home insurance can save up to $1,356. But State Farm doesn’t have as many discounts as Liberty Mutual.
Discount | Liberty Mutual | State Farm |
|---|---|---|
| Safe driver | ✔ | ✖ |
| Defensive driving course | ✖ | ✔ |
| Multi-policy | ✔ | ✔ |
| Multi-car | ✔ | ✔ |
| Low mileage | ✖ | ✔ |
| Telematics | ✔ | ✔ |
| Anti-theft device | ✖ | ✔ |
| New car | ✖ | ✖ |
| Military/affiliation | ✔ | ✖ |
| Good student | ✔ | ✔ |
| Loyalty | ✖ | ✔ |
| Auto pay | ✔ | ✖ |
| Student away at school | ✔ | ✔ |
| Homeowner | ✔ | ✖ |
| Alternative fuel | ✖ | ✖ |
| Pay in full | ✔ | ✖ |
You can look at industry ratings to see how an insurer ranks for financial strength, customer experience, and claims satisfaction.
State Farm comes out ahead when it comes to customer satisfaction: It scores above-average in every U.S. region, while Liberty Mutual only scores above-average in New England. State Farm also receives fewer complaints on the NAIC complaint index.
State Farm is financially stronger than Liberty Mutual, with an A++ (Superior) rating from AM Best, which is the highest score possible. But both companies have negative reviews on the Better Business Bureau (BBB) website.
Score | Liberty Mutual | State Farm |
|---|---|---|
| IQ Score | 7.7 | 9.3 |
| Customer reviews | 3.5/5 (3,301 reviews) | 4.1/5 (13,433 reviews) |
| J.D. Power | Rated above average in New England only | Rated above average in every U.S. region |
| AM Best rating | A | A++ |
| NAIC complaint index | 4.20 | 0.85 |
| BBB customer reviews | 1.08/5 | 1.23/5 |
Overall, Liberty Mutual customers praise the company’s friendly customer service agents and think that it has good coverage options. But many customers complain about expensive premiums and unexplained rate increases.
Insurify collects reviews from actual Liberty Mutual car insurance customers to help consumers determine what real policyholders think about the insurer. These are verified reviews from Liberty Mutual policyholders about their experience working with the insurance company.
Most State Farm customers feel like they’re getting good value for their money, with great customer service, insurance coverage options, and discounts. But many customers also say State Farm’s car insurance rates are too high.
Insurify asks consumers to detail their experience with their insurance company. We collect this information so that shoppers can better understand what people like and dislike about their insurer. These are real, verified reviews from State Farm customers about their experience.
Liberty Mutual and State Farm both offer telematics programs that track your driving habits and reward safe driving with lower rates.[4] Telematics differ from pay-per-mile programs, where you pay your insurance company a base rate, plus an additional rate, for the miles you drive each month.
With Liberty Mutual RightTrack, drivers can automatically save up to 15% for enrolling and up to 30% for driving safely. To get started, download the Liberty Mutual mobile app and drive normally for 90 days before you’re eligible for a rate adjustment. Keep in mind that if you demonstrate unsafe driving habits, your premium could increase.
State Farm Drive Safe & Save has a 10% initial participation discount, and you can save up to 30% for demonstrating safe driving behaviors. To enroll, download the State Farm mobile app to track your trips. You’ll also receive a Bluetooth-enabled beacon in the mail. It provides odometer readings, and you can install it on your windshield.
When you drive safely, the discount is applied at each policy renewal, which usually happens every six months. State Farm uses your driving data from the past 12 months to determine your discount. Unlike Liberty Mutual, your rate can’t increase if you don’t drive safely, but the discount amount can vary.
State Farm also has a second telematics program, called Steer Clear, available for drivers younger than age 25.
Feature | Liberty Mutual RightTrack | State Farm Drive Safe & Save |
|---|---|---|
| Best for | Drivers who want a discount more quickly | Drivers who want to earn a low-mileage discount |
| Savings potential | Up to 15% for enrollment and up to 30% based on driving behavior | 10% for enrollment; up to 30% based on driving behavior |
| How it works | Uses a smartphone app to track driving behaviors over 90 days | Uses a smartphone app and a Bluetooth-enabled beacon to track driving habits over 12 months |
| Availability | 29 states (drivers in 10 other states can enroll in the RightTrack Continuous program) | All states except CA, MA, and RI |
| Data tracked | Hard braking, nighttime driving, rush hour driving, frequency at lower speeds, and distracted driving | Acceleration, braking, cornering, phone distraction, speed, and mileage |
| App rating (App Store/Google Play) | 4.8/4.6 | 4.8/4.6 |
| Average discount for good drivers | Not listed | Not listed |
| Driver feedback tools | RightTrack dashboard in the mobile app shows your driving patterns and projected score | After a trip, the mobile app shows you a map of your route and driving incidents along the way |
| Gamified rewards | ✖ | ✖ |
| Compatibility | Smartphone app only | Smartphone app with a Bluetooth-enabled beacon |
See quotes from top insurers in minutes
Liberty Mutual offers more coverage options than State Farm. Both companies offer the basics, like liability coverage, comprehensive coverage, and personal injury protection (PIP).[5] But Liberty Mutual also offers some additional add-on insurance options, like original parts replacement, better car replacement, and new car replacement coverage.
Coverage | Liberty Mutual | State Farm |
|---|---|---|
| Bodily injury liability (BI) | ✔ | ✔ |
| Property damage liability (PD) | ✔ | ✔ |
| Personal injury protection (PIP insurance) | ✔ | ✔ |
| Underinsured/uninsured motorist coverage (UIM/UM) | ✔ | ✔ |
| Medical payments (MedPay) | ✔ | ✔ |
| Collision | ✔ | ✔ |
| Comprehensive | ✔ | ✔ |
| Roadside assistance | ✔ | ✔ |
| Rental reimbursement | ✔ | ✔ |
| Gap insurance | ✔ | ✖ |
| Classic car insurance | ✔ | ✔ |
| Rideshare insurance | ✖ | ✔ |
Liberty Mutual and State Farm are both solid car insurance choices. If you’re still deciding between these two insurers, here’s some additional information that might be helpful.
State Farm is cheaper than Liberty Mutual, based on Insurify rate data. But car insurance premiums depend on factors like your location, coverage choices, driving record, credit history, deductible amount, and vehicle type.
Yes. Liberty Mutual is good at paying claims. The company was ranked above average for overall claims satisfaction in the J.D. Power 2025 U.S. Auto Claims Satisfaction Study. Liberty Mutual’s score was 730 out of 1,000, which is higher than the study average of 700.
Several auto insurance companies are cheaper than State Farm, including USAA, COUNTRY Financial, and Auto-Owners. But rates can vary based on numerous factors, such as your driving history and location.
Several companies can be considered State Farm’s biggest competitors. Some of the national insurers that rival State Farm include Progressive, GEICO, and Allstate. That said, State Farm still has the most market share.
No. GEICO doesn’t own Liberty Mutual Insurance. But Liberty Mutual does underwrite some of GEICO’s policies, including homeowners insurance, renters insurance, and flood insurance.
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
Elizabeth has been a contributor at Insurify since October 2022.
Experienced personal finance writer
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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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