4.8out of 3,000+ reviews

Farmers vs Liberty Mutual Car Insurance

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auto insurance

Last Updated February 1, 2022

Ratings

Insurify Composite Score

Farmers
85
What is this?

Insurify Composite Score

Liberty Mutual
82
What is this?

Insurify Composite Score

Farmers VS Liberty Mutual
85
82
What is this?
User Ratings
OptionsFarmers Liberty Mutual
Rating/Reviews
506 reviews
857 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsFarmers Liberty Mutual
Call Center Representative--About average
Insurer WebsiteAbout averageBetter than most
Local AgentAbout averageBetter than most
Overall SatisfactionAbout averageAbout average
Policy OfferingsAbout averageBetter than most
PricingAbout averageAbout average
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsFarmers Liberty Mutual
Claim ServicingAbout averageThe rest
Estimation ProcessAbout averageThe rest
First Notice of Loss (FNOL)About averageAbout average
Overall SatisfactionAbout averageThe rest
Rental ExperienceAbout averageAbout average
Repair ProcessThe restAbout average
SettlementAbout averageThe rest
J.D. Power Ratings by Region (out of 1000)
RegionFarmers Liberty Mutual
California795 pt
The rest
816 pt
About average
Central821 pt
About average
806 pt
The rest
Florida820 pt
About average
805 pt
The rest
Mid-Atlantic814 pt
The rest
801 pt
The rest
New England--809 pt
About average
New York--818 pt
About average
North Central808 pt
The rest
812 pt
The rest
Northwest785 pt
The rest
807 pt
About average
Southeast--814 pt
The rest
Southwest797 pt
The rest
811 pt
About average
Texas822 pt
About average
807 pt
The rest
Mobile App Ratings
RegionFarmers Liberty Mutual
Android
2,565 Reviews
2,531 Reviews
iOS
538 Reviews
12,900 Reviews
Financial Ratings
OptionsFarmers Liberty Mutual
A.M. BestAA
FitchA+A-
Moody'sA2A2
Standard & Poor'sAA

Auto Insurance Quotes

For Married Drivers

CityFarmers Liberty Mutual
Chicago$124--
Phoenix$126--
Santa Monica$120--

For Single Drivers

CityFarmers Liberty Mutual
Chicago$117--
Phoenix$120--
Santa Monica$263--

For Male Drivers

CityFarmers Liberty Mutual
Chicago$129--
Phoenix$129--
Santa Monica$269--

For Female Drivers

CityFarmers Liberty Mutual
Chicago$112--
Phoenix$117--
Santa Monica$114--

For Drivers with Speeding Ticket

CityFarmers Liberty Mutual
Chicago$163--
Phoenix$157--
Santa Monica$302--

For Drivers with No Speeding Ticket

CityFarmers Liberty Mutual
Chicago$111--
Phoenix$116--
Santa Monica$168--

For Drivers Age Between 18-40

CityFarmers Liberty Mutual
Chicago$120--
Phoenix$123--
Santa Monica$303--

For Drivers Age Between 40-65

CityFarmers Liberty Mutual
Chicago$115--
Phoenix$118--
Santa Monica$104--

For Drivers Age of 65+

CityFarmers Liberty Mutual
Chicago$142--
Phoenix$143--
Santa Monica$101--

For Drivers with Average Credit

CityFarmers Liberty Mutual
Chicago$116--
Phoenix$123--
Santa Monica$149--

For Drivers with Fair Credit

CityFarmers Liberty Mutual
Chicago$132--
Phoenix$134--
Santa Monica$134--

For Drivers with Good Credit

CityFarmers Liberty Mutual
Chicago$126--
Phoenix$128--
Santa Monica$140--

For Drivers with Excellent Credit

CityFarmers Liberty Mutual
Chicago$108--
Phoenix$108--
Santa Monica$343--

Quotes & Discounts

Discount typeFarmers Liberty Mutual
Multiple PolicyUp to 10%Varies
EV/HybridUp to 5%Varies
Affinity groupVaries--
Anti-Theft DeviceVariesUp to 25%
Anti-lock BrakeVariesVaries
Claims Free RenewalVariesVaries
Daytime Running LightsVaries--
Defensive DriverVaries--
Driving HabitsVaries--
Driving trainingVariesUp to 30%
E-billingVaries--
Early QuoteVaries--
Electronic Stability ControlVariesVaries
FamilyVaries--
Good DriverVaries--
Good PayerVaries--
Good StudentVariesUp to 22%
Home OwnerVariesVaries
LoyaltyVaries--
Mature driverVaries--
MilitaryVariesVaries
Multiple VehicleVariesUp to 5%
On Your OwnVaries--
OrganizationVariesVaries
Paid in fullVariesVaries
Paperless documentsVariesVaries
Passive RestraintVariesUp to 20%
Preferred paymentVariesVaries
PrepayVaries--
Professional organizationVaries--
Provider SwitchVaries--
Senior AdultVariesVaries
Student Away at SchoolVariesVaries
VIN EtchingVaries--
Youth DrivingVaries--
teenSMARTVariesVaries
Accident Free--Varies
Accident Prevention Course--Varies
Advance shopper--Up to 45%
ByMile--Varies
Early Shopper--Varies
New Graduate--Varies
New Teen Driver--Varies
Newlywed--Varies
Policy Update/Extension--Varies
RightTrack--Up to 30%
Safety Feature--Varies
Signing documents when you buy online--Varies
Starting your auto quote online--Up to 12%

Payment Methods

Discount typeFarmers Liberty Mutual
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit --yes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
yesyes
In Person Payment
yes--
Mail Payment
yesyes
Mobile App Payments
yesyes
Multi-Payment Installment Plans
yes--
Online Payment
yesyes
Payroll Deduction
--yes
Phone Payment
yesyes
Prepayment
--yes

Features and Services

Features and ServicesFarmers Liberty Mutual
24/7 service--yes
Accident forgivenessyesyes
Enhanced towing & substitute coverage--yes
Flexible / convenient paymentsyes--
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesFarmers Liberty Mutual
Accident Forgiveness
yesyes
Antique or Collector Car Insurance
yes--
Better Car Replacement
--yes
Comprehensive Claim Forgiveness
yes--
Emergency Assistance Coverage
--yes
Emergency Lockout Coverage
yesyes
Gap Insurance
--yes
Glass Coverage yes--
Incident Forgiveness
yes--
Legal Defense Costs Coverage
--yes
Lifetime Repair Guarantee
--yes
Loss of Use Coverage
yes--
New Car Replacement Coverage
yesyes
No Fault Coverage
yes--
Original Equipment Manufacturer Coverage
yesyes
Personal/Upgraded Item Coverage
yes--
Rental Reimbursement
yesyes
Ridesharing Coverage
yes--
Roadside Assistance
yesyes
Small Claim Forgiveness
yes--
Teachers Insurance
--yes
Umbrella Policy
yes--
Vanishing Deductible
yesyes
Work Loss Coverage
--yes

Uber and Lyft driver insurance

  • Farmers
  • Liberty Mutual
  • Both

SR‌-22 Insurance by State

  • Farmers
  • Liberty Mutual
  • Both

Compare Insurance Products

ProductFarmers Liberty Mutual
Accident InsuranceAccident Insurance--yes
ATV InsuranceATV Insurance--yes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insuranceyes--
Classic Car InsuranceClassic Car Insuranceyesyes
Condo InsuranceCondo Insuranceyesyes
Critical Illness InsuranceCritical Illness Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Earthquake InsuranceEarthquake Insuranceyes--
Flood InsuranceFlood Insuranceyesyes
Home InsuranceHome Insuranceyesyes
Identity Theft InsuranceIdentity Theft Insurance--yes
Life InsuranceLife Insuranceyesyes
Mobile Home InsuranceMobile Home Insuranceyesyes
Motorcycle InsuranceMotorcycle Insuranceyesyes
Pet InsurancePet Insuranceyesyes
Recreational InsuranceRecreational Insuranceyes--
Renters InsuranceRenters Insuranceyesyes
RV InsuranceRV Insurance--yes
Small Business InsuranceSmall Business Insurance--yes
Tuition InsuranceTuition Insurance--yes
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • Farmers Reviews
  • Liberty Mutual Reviews
3.4
5 Stars
37 %
4 Stars
17 %
3 Stars
15 %
2 Stars
8 %
1 Star
24 %

Most Positive Review

By Joe
They provided me with good service and whenever I needed to make a change in coverage they were very accommodating and when I had a claim they were very quick in taking care of it.

Most Critical Review

By Chesney
Farmers is the absolute worst insurance company around, their communication is poor, customer service is poor & they don’t seem to care about their customers needs

All Reviews

Showing 1 - 10 out of 506 Reviews
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Read reviews that mention

Terence A.Fomba
Please I wish to enquire if I can pay insurance using my name on my brother's car and drive with my international drivers licenses?
Sharon
Good agent
Jagtar
David
Farmers suck. If you are not at fault in an accident. You are on your own. They do nothing. We had to contact their insurance and all kind of rental car arrangements. They did nothing and they sucked.
David
We were in a car accident. The car was hit while my wife and I went for a walk in the park. The gentleman who hit the car was good enough to wait for us to return from our walk. He worked for the city of Maggie Valley. Farmers did nothing for us. We had to contact everyone because the party is as at fault.
Mirtha
Very expensive
Brenda
They were expensive.
Chris
Rates and coverage
Anis
Professional
Michael
They were always on top of everything I had to do with them. They were always quick to resolve issues and handle my claims. I felt secure with them as my insurance carrier
Showing 1 - 10 out of 506 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting 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 insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.