GEICO vs Liberty Mutual Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Ratings

Insurify Composite Score

GEICO
88
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Insurify Composite Score

Liberty Mutual
82
What is this?

Insurify Composite Score

GEICO VS Liberty Mutual
88
82
What is this?
User Ratings
OptionsGEICO Liberty Mutual
Rating/Reviews
3,736 reviews
857 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsGEICO Liberty Mutual
Call Center RepresentativeAbout averageAbout average
Insurer WebsiteAmong the bestBetter than most
Local AgentThe restBetter than most
Overall SatisfactionAbout averageAbout average
Policy OfferingsBetter than mostBetter than most
PricingBetter than mostAbout average
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsGEICO Liberty Mutual
Claim ServicingBetter than mostThe rest
Estimation ProcessBetter than mostThe rest
First Notice of Loss (FNOL)Better than mostAbout average
Overall SatisfactionBetter than mostThe rest
Rental ExperienceBetter than mostAbout average
Repair ProcessAbout averageAbout average
SettlementBetter than mostThe rest
J.D. Power Ratings by Region (out of 1000)
RegionGEICO Liberty Mutual
California807 pt
About average
816 pt
About average
Central838 pt
Better than most
806 pt
The rest
Florida832 pt
Better than most
805 pt
The rest
Mid-Atlantic848 pt
Better than most
801 pt
The rest
New England827 pt
About average
809 pt
About average
New York813 pt
About average
818 pt
About average
North Central830 pt
About average
812 pt
The rest
Northwest805 pt
About average
807 pt
About average
Southeast839 pt
About average
814 pt
The rest
Southwest798 pt
The rest
811 pt
About average
Texas816 pt
The rest
807 pt
The rest
Mobile App Ratings
RegionGEICO Liberty Mutual
Android
147,062 Reviews
2,531 Reviews
iOS
446,400 Reviews
12,900 Reviews
Financial Ratings
OptionsGEICO Liberty Mutual
A.M. BestA++A
FitchAA-A-
Moody'sAa3A2
Standard & Poor'sAA+A

Auto Insurance Quotes

For Married Drivers

CityGEICO Liberty Mutual
Austin$59--
Chicago$67--
Philadelphia$88--
Phoenix$38--
Santa Monica$48--

For Single Drivers

CityGEICO Liberty Mutual
Austin$62--
Chicago$68--
Philadelphia$92--
Phoenix$44--
Santa Monica$129--

For Male Drivers

CityGEICO Liberty Mutual
Austin$59--
Chicago$71--
Philadelphia$92--
Phoenix$42--
Santa Monica$123--

For Female Drivers

CityGEICO Liberty Mutual
Austin$62--
Chicago$64--
Philadelphia$87--
Phoenix$40--
Santa Monica$53--

For Drivers with Speeding Ticket

CityGEICO Liberty Mutual
Austin$74--
Chicago$92--
Philadelphia$128--
Phoenix$64--
Santa Monica$141--

For Drivers with No Speeding Ticket

CityGEICO Liberty Mutual
Austin$58--
Chicago$62--
Philadelphia$84--
Phoenix$36--
Santa Monica$77--

For Drivers Age Between 18-40

CityGEICO Liberty Mutual
Austin$63--
Chicago$71--
Philadelphia$98--
Phoenix$45--
Santa Monica$149--

For Drivers Age Between 40-65

CityGEICO Liberty Mutual
Austin$54--
Chicago$61--
Philadelphia$79--
Phoenix$35--
Santa Monica$40--

For Drivers Age of 65+

CityGEICO Liberty Mutual
Austin$75--
Chicago$78--
Philadelphia$99--
Phoenix$48--
Santa Monica$41--

For Drivers with Average Credit

CityGEICO Liberty Mutual
Austin$68--
Chicago$70--
Philadelphia$94--
Phoenix$43--
Santa Monica$76--

For Drivers with Fair Credit

CityGEICO Liberty Mutual
Austin$71--
Chicago$74--
Philadelphia$104--
Phoenix$43--
Santa Monica$56--

For Drivers with Good Credit

CityGEICO Liberty Mutual
Austin$55--
Chicago$66--
Philadelphia$84--
Phoenix$37--
Santa Monica$60--

For Drivers with Excellent Credit

CityGEICO Liberty Mutual
Austin$48--
Chicago$60--
Philadelphia$77--
Phoenix$41--
Santa Monica$161--

Quotes & Discounts

Discount typeGEICO Liberty Mutual
Good DriverUp to 26%--
Anti-Theft DeviceUp to 25%Up to 25%
Emergency DeploymentUp to 25%--
Federal EmployeeUp to 25%--
Passive RestraintUp to 25%Up to 20%
Good StudentUp to 15%Up to 22%
MilitaryUp to 15%Varies
Seat Belt UseUp to 15%--
Anti-lock BrakeUp to 5%Varies
Daytime Running LightsUp to 3%--
Accident FreeVariesVaries
Defensive DriverVaries--
Driving trainingVariesUp to 30%
Multiple PolicyVariesVaries
Multiple VehicleVariesUp to 5%
OrganizationVariesVaries
Senior AdultVariesVaries
teenSMARTVariesVaries
Accident Prevention Course--Varies
Advance shopper--Up to 45%
ByMile--Varies
Claims Free Renewal--Varies
EV/Hybrid--Varies
Early Shopper--Varies
Electronic Stability Control--Varies
Home Owner--Varies
New Graduate--Varies
New Teen Driver--Varies
Newlywed--Varies
Paid in full--Varies
Paperless documents--Varies
Policy Update/Extension--Varies
Preferred payment--Varies
RightTrack--Up to 30%
Safety Feature--Varies
Signing documents when you buy online--Varies
Starting your auto quote online--Up to 12%
Student Away at School--Varies

Payment Methods

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

Features and Services

Features and ServicesGEICO Liberty Mutual
24/7 serviceyesyes
Accident forgivenessyesyes
Enhanced towing & substitute coverage--yes
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyesyes
Roadside assistanceyesyes
Text and email alertsyes--

Optional Coverages

Optional CoveragesGEICO Liberty Mutual
Accident Forgiveness
yesyes
Better Car Replacement
--yes
Comprehensive Claim Forgiveness
yes--
Emergency Assistance Coverage
--yes
Emergency Lockout Coverage
--yes
Gap Insurance
--yes
Incident Forgiveness
yes--
Legal Defense Costs Coverage
--yes
Lifetime Repair Guarantee
--yes
Mechanical Breakdown Insurance
yes--
New Car Replacement Coverage
--yes
No Fault Coverage
yes--
Original Equipment Manufacturer Coverage
--yes
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Teachers Insurance
--yes
Umbrella Policy
yes--
Vanishing Deductible
--yes
Work Loss Coverage
--yes

Uber and Lyft driver insurance

  • GEICO
  • Liberty Mutual
  • Both

SR‌-22 Insurance by State

  • GEICO
  • Liberty Mutual
  • Both

Compare Insurance Products

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

User Reviews

  • GEICO Reviews
  • Liberty Mutual Reviews
3.2
5 Stars
32 %
4 Stars
17 %
3 Stars
16 %
2 Stars
10 %
1 Star
25 %

Most Helpful Review

By Jacquelyne Hoy
My insurance premium was increased by $200 monthly. Contacted Geigo to inform them that we could not afford the increase as only my spouse is working. The first agent I spoke to said that my payment would revert back to what it was but never did. The second agent I spoke to told me the only way to reduce the premium is to decrease my coverage which I did, but the premium never decreased. I called and spoke to a 3rd agent after they deducted the first installment which put a big dent in our household budget. The 3rd agent told me that although I rejected the uninsured motor coverage last time, I was charged again for it this time because, I needed to elect to reject it again when they renewed my insurance and if the agents I spoke to earlier had done a little digging, they could have resolved the issue successfully. I signed the required document online to reject the uninsured auto insurance and was supposed to be reimbursed $200 for the payment they debited from my account. Yet, Geigo has scheduled to deduct the high premium from my account for the October payment. I tried to postponed the payment to have time to get the matter resolved but I could not as Geico is now saying that I owe them $200, I have been a customer of Geico for over 20 years, the last thing I expected is to get more stress and anxiety from the company during such a difficult period for our family.

Latest Review

By Jacquelyne Hoy
My insurance premium was increased by $200 monthly. Contacted Geigo to inform them that we could not afford the increase as only my spouse is working. The first agent I spoke to said that my payment would revert back to what it was but never did. The second agent I spoke to told me the only way to reduce the premium is to decrease my coverage which I did, but the premium never decreased. I called and spoke to a 3rd agent after they deducted the first installment which put a big dent in our household budget. The 3rd agent told me that although I rejected the uninsured motor coverage last time, I was charged again for it this time because, I needed to elect to reject it again when they renewed my insurance and if the agents I spoke to earlier had done a little digging, they could have resolved the issue successfully. I signed the required document online to reject the uninsured auto insurance and was supposed to be reimbursed $200 for the payment they debited from my account. Yet, Geigo has scheduled to deduct the high premium from my account for the October payment. I tried to postponed the payment to have time to get the matter resolved but I could not as Geico is now saying that I owe them $200, I have been a customer of Geico for over 20 years, the last thing I expected is to get more stress and anxiety from the company during such a difficult period for our family.

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Read reviews that mention

Jacquelyne Hoy
My insurance premium was increased by $200 monthly. Contacted Geigo to inform them that we could not afford the increase as only my spouse is working. The first agent I spoke to said that my payment would revert back to what it was but never did. The second agent I spoke to told me the only way to reduce the premium is to decrease my coverage which I did, but the premium never decreased. I called and spoke to a 3rd agent after they deducted the first installment which put a big dent in our household budget. The 3rd agent told me that although I rejected the uninsured motor coverage last time, I was charged again for it this time because, I needed to elect to reject it again when they renewed my insurance and if the agents I spoke to earlier had done a little digging, they could have resolved the issue successfully. I signed the required document online to reject the uninsured auto insurance and was supposed to be reimbursed $200 for the payment they debited from my account. Yet, Geigo has scheduled to deduct the high premium from my account for the October payment. I tried to postponed the payment to have time to get the matter resolved but I could not as Geico is now saying that I owe them $200, I have been a customer of Geico for over 20 years, the last thing I expected is to get more stress and anxiety from the company during such a difficult period for our family.
mister
the worst company ever, they insure you for 6 months at a time then when its time to "renew" they start increasing your rates with no explanation, they give you a speech about if anything happens you want to be covered right" lol they are thief's , not worth it, I suggest any other company besides geico!! raise your rate with no reason then they read some lame excuses LOL what a joke!!
Alexi ojitom
Yes
Micah Zimmerman
A Geico insured motorist hit my parked car. Of course they are 100% responsible for repairing. The adjuster (Brandon Seiber) skinnied down the estimate for repair such that my car was not fixed properly AND it cost me money with the body shop. The body shop said Geico is the only insurance company this happens with and they do it to their own insured. If you have Geico, you might want to think about truly how well covered you are. Micah Zimmerman 513/476-6466
Tricia
They're awesome
Alice
Geico doesn't reward loyalty
Christina
They gave me a great discount
Dayna
Always could be less?
Nin
Very expensive. Root insurance companies charge only 80 and geico charge me over 240
Jason
Showing 1 - 10 out of 1000 reviews

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.