Liberty Mutual vs. USAA: Which Insurance Company Is Better in 2026?
While USAA offers affordable rates and highly rated customer service, Liberty Mutual is available to a broader range of drivers.
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Table of contents
Liberty Mutual and USAA are two companies worth considering if you’re comparing insurers. USAA is the fifth-largest private passenger insurer in the country, with a 6.16% market share, while Liberty Mutual ranks seventh, with a 3.27% market share.[1]
USAA offers affordable rates and excellent customer satisfaction, but coverage is available only to military members, their family members, and veterans. Meanwhile, Liberty Mutual has higher average premiums, but it’s also more widely available and offers many coverage and discount options.
We’ll compare rates, coverage, discounts, and customer satisfaction to help you decide whether Liberty Mutual or USAA is a better fit for you.
Quick Facts
USAA has some of the lowest insurance rates in the industry.
Both USAA and Liberty Mutual rank high in J.D. Power’s Auto Claims Satisfaction Study.
Liberty Mutual has an A (Excellent) AM Best financial stability rating, while USAA earns the highest rating, A++ (Superior).
Liberty Mutual vs. USAA: Our verdict
Liberty Mutual and USAA are among the best car insurance companies, but each insurer caters to a different demographic.
USAA offers some of the industry’s most affordable rates and receives high marks for customer satisfaction, but it serves only military members, veterans, and their families. If you fall into this category, USAA may be suitable for you.
Liberty Mutual, on the other hand, has higher average premiums and mixed customer satisfaction reviews. But it’s widely available and offers many coverages and discounts. Consider this insurer if you don’t qualify for USAA and want many coverage options to choose from.
Each person’s situation is different. It’s smart to shop around and get insurance quotes from several companies to help you find the cheapest rates and best coverage for your specific needs.
Liberty Mutual vs. USAA
 |  |
|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $180/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $77/mo* |
Overall rating 3.4 | Overall rating 4.9 |
Value for money 3.0/5 | Value for money 4.9/5 |
Customer service 3.3/5 | Customer service 4.8/5 |
Claims handling 3.5/5 | Claims handling 4.9/5 |
Special highlight Numerous discountsAI-generated from 1856 user reviews | Special highlight Members of the military communityAI-generated from 1429 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
Liberty Mutual: Best for coverage options and wide availability
| 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. | $152/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. | $208/mo |
3.4
A solid optionBased on 3,419 verified guest reviews and ratings
How drivers feel about Liberty Mutual
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
How drivers feel about Liberty Mutual
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,856)
George
Verified Review
Policies increased by $700 to $1000 per year for bundled Home, Auto, and Umbrella over 3 years with no claims, accidents, or tickets. If you are currently insured with them, start shopping!
Reviewed in Pennsylvania on February 1, 2026
Policies increased by $700 to $1000 per year for bundled Home, Auto, and Umbrella over 3 years with no claims, accidents, or tickets. If you are currently insured with them, start shopping!
Walton
Verified Review
Poor
Reviewed in New York on February 1, 2026
Far too expensive compared to others.
Daniel
Verified Review
Very good service - very expensive
Reviewed in Georgia on January 31, 2026
Handled a lawsuit quickly and very well. However, prices are way out of line compared to others available.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
612NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.28A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Liberty Mutual doesn’t have the lowest rates on the market, but its coverages and discounts may help offset the price. The company offers more coverage options than many insurers on the market, including attractive add-ons like accident forgiveness, new car replacement, gap coverage, and vanishing deductibles.
While it ranks above average in J.D. Power’s Auto Claims Satisfaction Survey, it receives mixed reviews for customer service on Trustpilot. It also has many poor customer reviews on the Better Business Bureau (BBB) website. Unlike USAA, Liberty Mutual doesn’t have eligibility requirements.
Pros
Many coverage options
Plenty of insurance discounts
Available in all 50 states and Washington, D.C.
Cons
Higher-than-average premiums
Complaint volume higher than expected, according to the National Association of Insurance Commissioners (NAIC)
Mixed online customer satisfaction ratings
USAA: Best for military families who want affordable insurance
| User Reviews | 4.9 |
|---|---|
| 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. | 9.1 /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. | $53/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. | $100/mo |
4.9
Best choiceBased on 2,826 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,429)
Robert
Verified Review
Average
Reviewed in Florida on February 1, 2026
Check around, many are cheaper and offer the same as USAA.
Harold
Verified Review
USAA good company but high premiums
Reviewed in Florida on January 30, 2026
The price is very high.
Edward
Verified Review
What happened to USAA Customer Service?
Reviewed in Texas on January 29, 2026
USAA used to be a customer-oriented organization focused on providing excellent service and reasonable prices to service military personnel. Over the years, rates have gone up on auto insurance, and multi-vehicle policies are one size fits all. In other words, if you have an older car you own and a newer vehicle that is financed, USAA automatically insures both vehicles with the same coverage. I have gone in and adjusted coverages only to have them raised just before renewal. Their bundle rates aren’t bad and are competitive, but their auto coverage is still higher than many competitors. It seems they’re all about profits, a far cry from the original mission statement and focus.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA was founded in 1922 by military members to serve the unique needs of veterans, current service members, and their families. Along with its strong reputation, it consistently receives high marks in J.D. Power’s Auto Claims Satisfaction Studies.
In addition to offering some of the lowest auto insurance rates on the market, USAA also ranks among the top companies for overall customer satisfaction nationwide.[2] USAA has fewer discounts than other insurers. But it does offer two usage-based insurance programs: one for safe drivers and another for low-mileage drivers.
Pros
Below-average premiums
Highly rated for customer and claims satisfaction
Two usage-based insurance programs
Cons
Available only to military members, veterans, and their families
Few available optional coverages
Higher-than-expected NAIC complaint rate
USAA vs. Liberty Mutual: Which is cheaper?
Your car insurance rates vary depending on factors like your age, coverage type, driving record, and location.[3]
The table below compares each company’s average monthly rates based on various driver profiles and coverage types. Rates shown are for full-coverage policies unless otherwise specified.
Driver Type  | Liberty Mutual | USAA |
|---|---|---|
| Adult drivers | $228 | $92 |
| Liability-only coverage | $152 | $53 |
| Full coverage | $208 | $100 |
| Drivers with a speeding ticket | $269 | $133 |
| Drivers with a DUI | $308 | $148 |
| Drivers with an at-fault accident | $278 | $135 |
| Drivers with poor credit | $239 | $119 |
| Drivers with good credit | $155 | $88 |
| Teen drivers | $356 | $189 |
| Senior drivers | $168 | $76 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Liberty Mutual vs. USAA car insurance discounts
Liberty Mutual has higher premiums than USAA, but its impressive lineup of car insurance discounts may help you save on your insurance premiums. In contrast, USAA has fewer available discounts but much lower premiums.
The two companies have several discounts in common. Both offer a telematics savings program for safe drivers, a discount for good students, and savings for bundling your auto insurance with home insurance, renters insurance, or life insurance.
USAA has discounts unique to military personnel, including one for garaging your car on a military base. Meanwhile, Liberty Mutual offers a homeowner discount, an early shopper discount, and an auto-pay discount.
Discount | Liberty Mutual | USAA |
|---|---|---|
| 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 | ✖ | ✖ |
Compare customer satisfaction and financial strength
Third-party companies, such as J.D. Power, the NAIC, and the BBB, rate insurers based on customer satisfaction, while AM Best assesses the financial strength of insurance companies.
Both Liberty Mutual and USAA rank among the top insurers for claims satisfaction. USAA earned AM Best’s highest score for financial strength, an A++ (Superior), while Liberty Mutual scored an A (Excellent), a slightly lower rating.
Even though claims satisfaction is above average, both companies have a higher-than-expected number of complaints with the NAIC.
Although these ratings are useful, they aren’t the only factors to consider when you’re shopping for insurance. Still, they can provide valuable insight into other customers’ experiences.
Score | Liberty Mutual | USAA |
|---|---|---|
| IQ Score | 7.7 | 9.1 |
| Customer reviews | 3.4/5 (3,410 reviews) | 4.9/5 (2,818 reviews) |
| J.D. Power | 730/1,000 | 741/1,000 |
| AM Best rating | A (Excellent) | A++ (Superior) |
| NAIC complaint index | 1.30 (higher than expected) | 1.31 (higher than expected) |
| BBB customer reviews | 1.08 out of 5 | 1.15 out of 5 |
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Recent customer reviews of Liberty Mutual car insurance
Insurify collects reviews from real insurance customers who use our online quote tools. Below are reviews from Liberty Mutual customers who’ve recently switched companies.
George
Verified Review
Policies increased by $700 to $1000 per year for bundled Home, Auto, and Umbrella over 3 years with no claims, accidents, or tickets. If you are currently insured with them, start shopping!
Reviewed in Pennsylvania on February 1, 2026
Policies increased by $700 to $1000 per year for bundled Home, Auto, and Umbrella over 3 years with no claims, accidents, or tickets. If you are currently insured with them, start shopping!
Walton
Verified Review
Poor
Reviewed in New York on February 1, 2026
Far too expensive compared to others.
Daniel
Verified Review
Very good service - very expensive
Reviewed in Georgia on January 31, 2026
Handled a lawsuit quickly and very well. However, prices are way out of line compared to others available.
Wayland
Verified Review
My home is way undervalued. Even with the renewal policy, the home is undervalued. If my home needed to be replaced, I would not have fared well. With my new homeowner's policy with my new company, I now have more coverage at a lower price.
Reviewed in Texas on January 30, 2026
My home is way undervalued. Even with the renewal policy, the home is undervalued. If my home needed to be replaced, I would not have fared well. With my new homeowner's policy with my new company, I now have more coverage at a lower price.
…
Recent customer reviews of USAA car insurance
We request reviews from drivers who have purchased a policy through USAA. The feedback below reflects how verified customers feel about their experience with USAA.
Robert
Verified Review
Average
Reviewed in Florida on February 1, 2026
Check around, many are cheaper and offer the same as USAA.
Harold
Verified Review
USAA good company but high premiums
Reviewed in Florida on January 30, 2026
The price is very high.
Edward
Verified Review
What happened to USAA Customer Service?
Reviewed in Texas on January 29, 2026
USAA used to be a customer-oriented organization focused on providing excellent service and reasonable prices to service military personnel. Over the years, rates have gone up on auto insurance, and multi-vehicle policies are one size fits all. In other words, if you have an older car you own and a newer vehicle that is financed, USAA automatically insures both vehicles with the same coverage. I have gone in and adjusted coverages only to have them raised just before renewal. Their bundle rates aren’t bad and are competitive, but their auto coverage is still higher than many competitors. It seems they’re all about profits, a far cry from the original mission statement and focus.
Richard
Verified Review
No Problem
Reviewed in North Dakota on January 28, 2026
No problem. I pay the bill and have not had to use the insurance.
…
Liberty Mutual RightTrack vs. USAA SafePilot
Liberty Mutual and USAA each offer usage-based insurance programs that can help safe drivers save money.
Liberty Mutual’s RightTrack program allows you to save up to 30% on your insurance premiums. You’ll get 10% or 15% off when you sign up for the program, depending on where you live, and earn a discount based on your driving habits.
Along with tracking your phone usage, the RightTrack mobile app monitors hard braking, acceleration, nighttime driving, and rush hour driving. While safe driving can save you money, you may end up with a price increase rather than a discount if you demonstrate poor driving habits.
USAA’s SafePilot program offers savings of up to 30% for your safe driving habits. You’ll get an initial 10% off your premium when you sign up, and you can save up to 30% each time your policy renews.
Through the DriveSafe mobile app, USAA tracks your driving location, the time of day you’re on the road, your phone use, hard braking, driving frequency, and potential accidents detected.
Unlike Liberty Mutual, USAA won’t increase your rate for risky or poor driving — the DriveSafe program only rewards good driving behavior.
Good to Know
USAA also has a pay-per-mile program called SafePilot Miles, which offers up to 20% off your premium when you drive fewer miles. SafePilot Miles and other pay-per-mile programs differ from the RightTrack and SafePilot programs because savings are based on your mileage, not your driving behavior.
Feature | Liberty Mutual RightTrack | USAA SafePilot |
|---|---|---|
| Best for | Safe drivers who can benefit from significant savings | Eligible drivers who want savings with no risk of a rate increase |
| Savings potential | Up to 30% based on driving behavior | Up to 30% based on driving behavior |
| How it works | Uses a mobile app to track your driving habits | Tracks your driving behavior using a mobile app |
| Availability | 39 states and Washington, D.C. | 49 states (not available in California) |
| Data tracked | Hard braking, nighttime driving, rush hour driving, low-speed driving, distracted driving | Driving location, time of day, phone use, harsh braking, hours driven, and potential accidents detected |
| App rating (App Store/Google Play) | 4.8/4.6 | 4.5/4.0 |
| Average discount for good drivers | No information provided | No information provided |
| Driver feedback tools | Real-time trip feedback and personalized driving scores | Automatic trip data, driving insights, phone usage, and trends |
| Gamified rewards | No | No |
| Compatibility | Smartphone app only | Smartphone app only |
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Compare coverages: Liberty Mutual vs. USAA
Both Liberty Mutual and USAA offer standard insurance coverages like liability, collision, comprehensive, and uninsured motorist. Unlike USAA, Liberty Mutual has a large selection of optional coverages you can add to your policy for additional protection.
While USAA has a few optional coverages, it doesn’t offer nearly as many as Liberty Mutual.
Coverage | Liberty Mutual | USAA |
|---|---|---|
| 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 | ✖ | ✔ |
| New/better car replacement | ✔ | ✔ |
| Original parts replacement | ✔ | ✖ |
| Accident forgiveness | ✔ | ✔ |
| Lifetime repair guarantee | ✔ | ✔ |
| Vanishing deductibles | ✔ | ✖ |
| Teacher car insurance | ✔ | ✖ |
| Mexico car insurance | ✔ | ✖ |
Liberty Mutual vs. USAA FAQs
Before choosing between Liberty Mutual and USAA, see the answers to frequently asked questions below.
Which is cheaper: Liberty Mutual or USAA?
USAA’s rates are much cheaper on average than Liberty Mutual’s. With USAA, liability-only coverage averages $53 per month, while Liberty Mutual’s liability rates average $152 per month.
Many variables affect insurance rates, though, so there’s no guarantee USAA will be cheaper for everyone.
Who is USAA’s biggest competitor?
USAA’s biggest competitor is likely State Farm. While no other major insurers specifically serve military families as USAA does, State Farm is the nation’s largest car insurer. Like USAA, it offers low rates along with highly rated customer support.
Is Liberty Mutual a reliable company?
Yes. Liberty Mutual is considered a reliable insurance company. It has an A (Excellent) financial stability rating from AM Best and some of the highest customer satisfaction ratings in J.D. Power’s Auto Claims Satisfaction Study. Similar to many insurers, Liberty Mutual’s online customer satisfaction reviews are mixed.
Can you get USAA if you’re not in the military?
Yes. If you’re the spouse, former spouse, widow, or child of a current or former military member, you can get insurance through USAA. Employees of certain federal agencies also qualify for coverage.
Which car insurance company offers the cheapest insurance?
The car insurance company with the cheapest rates isn’t the same for every driver. Your driving history, location, age, coverage, and other key factors all contribute to your premium. That said, the companies with some of the cheapest average rates nationwide include COUNTRY Financial, Auto-Owners, and USAA, according to Insurify data.
Methodology
Insurify data scientists analyzed more than 190 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:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
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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Sources
- National Association of Insurance Commissioners. "Property and Casualty Insurance Industry 2024 Top 25 Groups and Companies by Countrywide Premium, Total Private Passenger Auto."
- J.D. Power. "2025 U.S. Auto Insurance Study."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
)
Erin Gobler
Erin Gobler is a personal finance writer and journalist based in Madison, Wisconsin. With more than five years of experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more. Her work has been featured in major publications like Business Insider, Fox Business, and Time. Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, 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.