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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
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7+ years experience in data analysis
Ph.D. in Computational Biology
Updated
GEICO and Liberty Mutual are two of the largest U.S. auto insurance companies. GEICO is the third-largest auto insurer, with a nearly 12% market share, while Liberty Mutual holds a little less than a 4% market share and is the country’s seventh-largest insurer.[1] Both insurers are excellent options, but each has its strengths and weaknesses.
GEICO has more discounts than Liberty Mutual and almost any other insurer. Liberty Mutual, on the other hand, has some additional coverages that GEICO doesn’t offer.
We’ll dive into the differences between these insurers, such as rates, coverages, available discounts, and customer satisfaction, to help you find the best car insurance for your needs.
On average, drivers pay $80 per month for liability coverage from GEICO and $130 from Liberty Mutual.
Liberty Mutual has a higher J.D. Power claims satisfaction rating than GEICO, but GEICO has an overall higher customer satisfaction rating.[2]
GEICO and Liberty Mutual both have telematics programs that drivers can use to potentially save on coverage.
If you’re in the market for standard, affordable car insurance coverage, GEICO is probably the best choice for you. It offers much cheaper average rates than Liberty Mutual and has 23 available discounts. While it falls short of Liberty Mutual in other ways, it’s undeniably a good insurance company and an excellent choice for drivers looking to save money.
Liberty Mutual, on the other hand, is a good option for drivers seeking a wide range of coverage types. It offers additional coverages that GEICO doesn’t, including gap insurance, new car replacement, and rideshare insurance. It also earned a much higher score in the J.D. Power 2025 U.S. Auto Claims Satisfaction Study.[3]
Both GEICO and Liberty Mutual are excellent insurers offering coverage in all 50 states. When choosing which one’s right for you, it’s crucial to compare car insurance quotes, coverage options, deductibles, insurance products, discounts, and reviews from both.
| User Reviews | 4.0 |
|---|---|
| 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. | 9.2 /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. | $80/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. | $148/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
GEICO is the best choice between the two insurers when it comes to discounts, as it offers drivers 23 different ways to save compared to Liberty Mutual’s 13 discounts. But it doesn’t offer as many additional coverages as Liberty Mutual. If you’re looking for a solid car insurance company with numerous ways to save on an insurance policy, GEICO is a good choice.
Affordable rates
Many available discounts
Offers accident forgiveness
Low J.D. Power claims satisfaction rating
Fewer add-on coverages than some insurers
Low Trustpilot rating
| 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. | 8.4 /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. | $130/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. | $207/mo |
Liberty Mutual's score | Industry average | |
|---|---|---|
| Coverage options | 3.6 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.3 | 2.9 |
| Policy transparency | 3.4 | 3.1 |
| Value | 3.0 | 2.9 |
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 better choice of the two when it comes to coverage options. It offers a few coverages that GEICO doesn’t, such as new car replacement, gap insurance, rideshare insurance, and teachers’ auto insurance. But it’s more expensive, on average, than GEICO. If a variety of coverage options is important to you, Liberty Mutual is a good choice.
High J.D. Power customer satisfaction rating
Numerous add-on coverages
Offers accident forgiveness
Higher rates than some insurers
Fewer discounts than some insurers
Low Trustpilot rating
The average cost of car insurance will vary based on your age, coverage level, driving record, and more.
Below, you can compare how rates from Liberty Mutual and GEICO vary for different driver types. Average costs below reflect liability insurance costs unless otherwise specified.
Driver Type  | GEICO | Liberty Mutual |
|---|---|---|
| Adult drivers | $77 | $140 |
| Liability-only coverage | $80 | $130 |
| Full coverage | $148 | $207 |
| Drivers with a speeding ticket | $109 | $169 |
| Drivers with a DUI | $113 | $187 |
| Drivers with an at-fault accident | $105 | $174 |
| Poor credit drivers | $97 | $149 |
| Good credit drivers | $62 | $98 |
| Teen drivers | $144 | $220 |
| Senior drivers | $58 | $104 |
Both GEICO and Liberty Mutual offer various car insurance discounts, but GEICO outpaces Liberty Mutual, with a whopping 23 ways for drivers to save. Every discount that Liberty Mutual offers, GEICO also offers, though neither insurer offers low-mileage or alternative fuel discounts.
Both insurers offer discounts for bundling your auto insurance with renters or homeowners insurance, but GEICO also offers discounts for defensive driving, driver training, restraint devices, anti-lock brakes, daytime running lights, federal employees, and various memberships. Liberty Mutual doesn’t offer any of these discounts, making GEICO the clear winner when it comes to discounts.
Compare discount offerings from the two companies below.
Discount | GEICO | Liberty Mutual |
|---|---|---|
| Safe driver/clean driving record | ✔ | ✔ |
| Defensive driving course | ✔ | ✖ |
| Driver training | ✔ | ✖ |
| 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 | ✔ | ✔ |
| Restraint device | ✔ | ✖ |
| Anti-lock brakes | ✔ | ✖ |
| Daytime running lights | ✔ | ✖ |
| Membership & employee | ✔ | ✖ |
| Deployed driver | ✔ | ✖ |
| Federal employee | ✔ | ✖ |
| Early shopper | ✔ | ✔ |
| Internet quote/online purchase | ✔ | ✔ |
| Paperless | ✔ | ✔ |
Liability quotes start at $42/mo.
Both auto insurance companies perform well for customer satisfaction and financial strength. But GEICO has a higher AM Best financial strength rating, fewer customer complaints on the National Association of Insurance Commissioners (NAIC) complaint index, and a higher overall customer satisfaction rating from J.D. Power.
Both companies have similarly low customer review ratings on the Better Business Bureau (BBB) website and on Trustpilot.
Take a look at the table below to see how these insurers stack up.
Score | GEICO | Liberty Mutual |
|---|---|---|
| IQ Score | 9.2 | 8.4 |
| Customer reviews | 4.0/5 (18,269 reviews) | 3.4/5 (3,973 reviews) |
| J.D. Power | 645 | 617 |
| AM Best rating | A++ (Superior) | A (Excellent) |
| NAIC Complaint Index | 0.53 (Below average) | 4.2 (Above average) |
| BBB customer reviews | 1.11 out of 5 stars | 1.08 out of 5 stars |
Like most insurance companies, GEICO receives mixed reviews regarding customer satisfaction. While GEICO has a below-average J.D. Power customer satisfaction rating, it also has fewer than average complaints on the NAIC complaint index.
We collected reviews from real customers below to see how they really feel about GEICO.
Like GEICO and most other insurers, Liberty Mutual has mixed insurance reviews. Although it has one of the best J.D. Power customer satisfaction ratings, Liberty Mutual has an above-average number of complaints, as indicated by the NAIC complaint index.
We collected reviews from actual customers so you can learn how they feel about Liberty Mutual.
Both GEICO and Liberty Mutual offer good telematics programs with unique benefits. Overall, Liberty Mutual’s RightTrack program offers better savings potential. You’ll save 10% just for signing up and up to 30% based on driving behaviors. GEICO’s DriveEasy program lets drivers save between 5% and 15%.
Both telematics car insurance programs use the driver’s smartphone rather than a plug-in device. But DriveEasy is available in five more states than RightTrack, so some drivers may not have the option to use Liberty Mutual’s telematics program. Both insurers have highly rated mobile apps, but Liberty Mutual has a slightly higher rating on the Google Play Store.
Telematics car insurance programs track your driving behaviors, like speed, braking, mileage, phone use, and location. Insurers use this data to determine if you’re a good driver, and safe driving can earn you cheaper rates. Pay-per-mile car insurance, on the other hand, just charges you based on how many miles you drive. The fewer miles you drive, the lower your insurance premium will be, and vice versa.
Below, you can compare telematics program features from GEICO and Liberty Mutual.
Feature | GEICO DriveEasy | Liberty Mutual RightTrack |
|---|---|---|
| Best for | Drivers who want greater availability and gamified rewards | Drivers who want high savings potential |
| Savings potential | 5–15% | Up to 30% (Including 10%–15% for signing up) |
| How it works | Uses your phone to track hard braking, speed around corners, and how often you use your phone to calculate a score | Tracks driving habits such as hard braking, phone usage, time of day, and speed through a smartphone app for 90 days |
| Availability | 45 states | 38 states (Limited availability) |
| Data tracked | Hard braking, mileage, speed around corners, and how often you use your phone | Hard braking, phone usage, time of day, speed |
| App rating (App Store/Google Play) | 4.8/5 4.5/5 | 4.8/5 4.6/5 |
| Driver feedback tools | Driving streaks, hard braking analysis, and tracking of acceleration and speeds | Real-time trip scoring and feedback |
| Gamified rewards | ✔ | ✖ |
| Compatibility | Smartphone app only | Smartphone app only |
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GEICO and Liberty Mutual don’t have major differences when it comes to standard coverages. Both insurers offer all the coverages you’ll need to have enough insurance under the law. But Liberty Mutual offers a few additional coverages that GEICO doesn’t, including gap coverage, rideshare insurance, and new car replacement.
Take a look at the table below to see which coverages each insurer offers.
Coverage | GEICO | Liberty Mutual |
|---|---|---|
| Bodily injury liability (BI) | ✔ | ✔ |
| Property damage liability (PD) | ✔ | ✔ |
| Personal injury protection (PIP) | ✔ | ✔ |
| Uninsured/underinsured motorist coverage (UM/UIM) | ✔ | ✔ |
| Medical payments (MedPay) | ✔ | ✔ |
| Collision | ✔ | ✔ |
| Comprehensive | ✔ | ✔ |
| Roadside assistance | ✔ | ✔ |
| Rental reimbursement | ✔ | ✔ |
| Gap insurance | ✖ | ✔ |
| Classic car insurance | ✔ | ✔ |
| Rideshare insurance | ✖ | ✔ |
| New car replacement | ✖ | ✔ |
| Mechanical breakdown | ✔ | ✖ |
| Original parts replacement | ✔ | ✔ |
| Teachers’ auto insurance | ✖ | ✔ |
| Mexico car insurance | ✔ | ✔ |
| Lifetime repair guarantee | ✔ | ✔ |
Check out these answers to some of the most commonly asked questions about GEICO versus Liberty Mutual car insurance to help you decide which one is best for you.
GEICO is generally less expensive than Liberty Mutual. GEICO offers an average monthly rate of $80 for minimum coverage, compared to Liberty Mutual’s average monthly rate of $130 for liability coverage. For full coverage, GEICO’s average cost is $148 per month, while Liberty Mutual insurance costs an average of $207 per month.
Both car insurance companies have strong reputations in the insurance industry.
Liberty Mutual earns a much higher customer satisfaction rating from J.D. Power, but GEICO has a stronger AM Best financial strength rating, with an A++ (Superior) compared to Liberty Mutual’s A (Excellent). GEICO also has fewer complaints than Liberty Mutual on the NAIC complaint index. Liberty Mutual has a better claims-handling satisfaction ranking than GEICO.
In most cases, yes. GEICO typically will increase your car insurance rate after an accident. But if you have accident forgiveness, your auto insurance rates may not increase after your first accident. If you’re unsure whether you qualify for accident forgiveness or other GEICO discounts, talk to an insurance agent.
No. Progressive doesn’t own GEICO. Berkshire Hathaway owns GEICO.
Country Financial offers the cheapest car insurance. It has an average liability rate of $42 per month.
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:
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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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
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Average price Prices based on average across state-minimum and full coverage car insurance $114/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $169/mo* |
Overall rating 4.0 | Overall rating 3.4 |
Value for money | Value for money |
Customer service | Customer service |
Claims handling | Claims handling |
Special highlight Teen driversAI-generated from 18269 user reviews | Special highlight Numerous discountsAI-generated from 3973 user reviews |