Liberty Mutual vs State Farm Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Ratings

Insurify Composite Score

Liberty Mutual
82
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Insurify Composite Score

State Farm
88
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Insurify Composite Score

Liberty Mutual VS State Farm
82
88
What is this?
User Ratings
OptionsLiberty Mutual State Farm
Rating/Reviews
857 reviews
2,186 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsLiberty Mutual State Farm
Call Center RepresentativeAbout average--
Insurer WebsiteBetter than mostThe rest
Local AgentBetter than mostAbout average
Overall SatisfactionAbout averageAbout average
Policy OfferingsBetter than mostAbout average
PricingAbout averageThe rest
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsLiberty Mutual State Farm
Claim ServicingThe restAbout average
Estimation ProcessThe restBetter than most
First Notice of Loss (FNOL)About averageAbout average
Overall SatisfactionThe restAbout average
Rental ExperienceAbout averageAbout average
Repair ProcessAbout averageAbout average
SettlementThe restAbout average
J.D. Power Ratings by Region (out of 1000)
RegionLiberty Mutual State Farm
California816 pt
About average
813 pt
About average
Central806 pt
The rest
824 pt
About average
Florida805 pt
The rest
798 pt
The rest
Mid-Atlantic801 pt
The rest
826 pt
The rest
New England809 pt
About average
838 pt
Better than most
New York818 pt
About average
820 pt
About average
North Central812 pt
The rest
840 pt
Better than most
Northwest807 pt
About average
817 pt
About average
Southeast814 pt
The rest
821 pt
About average
Southwest811 pt
About average
829 pt
Better than most
Texas807 pt
The rest
816 pt
The rest
Mobile App Ratings
RegionLiberty Mutual State Farm
Android
2,531 Reviews
12,082 Reviews
iOS
12,900 Reviews
288 Reviews
Financial Ratings
OptionsLiberty Mutual State Farm
A.M. BestAA++
FitchA---
Moody'sA2Aa1
Standard & Poor'sAAA

Auto Insurance Quotes

For Married Drivers

CityLiberty Mutual State Farm
Austin--$52
Chicago--$54
Philadelphia--$73
Phoenix--$72
Santa Monica--$81

For Single Drivers

CityLiberty Mutual State Farm
Austin--$54
Chicago--$54
Philadelphia--$74
Phoenix--$64
Santa Monica--$117

For Male Drivers

CityLiberty Mutual State Farm
Austin--$52
Chicago--$53
Philadelphia--$72
Phoenix--$63
Santa Monica--$116

For Female Drivers

CityLiberty Mutual State Farm
Austin--$54
Chicago--$56
Philadelphia--$76
Phoenix--$73
Santa Monica--$83

For Drivers with Speeding Ticket

CityLiberty Mutual State Farm
Austin--$66
Chicago--$60
Philadelphia--$84
Phoenix--$74
Santa Monica--$187

For Drivers with No Speeding Ticket

CityLiberty Mutual State Farm
Austin--$50
Chicago--$53
Philadelphia--$73
Phoenix--$67
Santa Monica--$80

For Drivers Age Between 18-40

CityLiberty Mutual State Farm
Austin--$56
Chicago--$55
Philadelphia--$76
Phoenix--$65
Santa Monica--$132

For Drivers Age Between 40-65

CityLiberty Mutual State Farm
Austin--$50
Chicago--$51
Philadelphia--$69
Phoenix--$68
Santa Monica--$79

For Drivers Age of 65+

CityLiberty Mutual State Farm
Austin--$52
Chicago--$62
Philadelphia--$84
Phoenix--$80
Santa Monica--$55

For Drivers with Average Credit

CityLiberty Mutual State Farm
Austin--$60
Chicago--$62
Philadelphia--$84
Phoenix--$80
Santa Monica--$95

For Drivers with Fair Credit

CityLiberty Mutual State Farm
Austin--$58
Chicago--$60
Philadelphia--$81
Phoenix--$90
Santa Monica--$81

For Drivers with Good Credit

CityLiberty Mutual State Farm
Austin--$52
Chicago--$53
Philadelphia--$72
Phoenix--$62
Santa Monica--$89

For Drivers with Excellent Credit

CityLiberty Mutual State Farm
Austin--$42
Chicago--$43
Philadelphia--$59
Phoenix--$39
Santa Monica--$131

Quotes & Discounts

Discount typeLiberty Mutual State Farm
Advance shopperUp to 45%--
Driving trainingUp to 30%Varies
RightTrackUp to 30%--
Anti-Theft DeviceUp to 25%Up to 15%
Good StudentUp to 22%Up to 25%
Passive RestraintUp to 20%Up to 40%
Starting your auto quote onlineUp to 12%--
Multiple VehicleUp to 5%Up to 20%
Accident FreeVariesUp to 15%
Accident Prevention CourseVaries--
Anti-lock BrakeVariesUp to 20%
ByMileVaries--
Claims Free RenewalVariesVaries
EV/HybridVaries--
Early ShopperVaries--
Electronic Stability ControlVaries--
Home OwnerVariesVaries
MilitaryVariesVaries
Multiple PolicyVariesUp to 17%
New GraduateVaries--
New Teen DriverVaries--
NewlywedVaries--
OrganizationVaries--
Paid in fullVaries--
Paperless documentsVaries--
Policy Update/ExtensionVaries--
Preferred paymentVaries--
Safety FeatureVaries--
Senior AdultVariesVaries
Signing documents when you buy onlineVaries--
Student Away at SchoolVariesVaries
teenSMARTVariesUp to 15%
Daytime Running Lights--Varies
Defensive Driver--Up to 5%
Driving Habits--Up to 30%
Good Credit--Up to 80%
Good Driver--Up to 25%
Low Mileage--Up to 10%
Loyalty--Varies
Mature driver--Varies
New Car--Up to 40%
Travelink--Varies

Payment Methods

Discount typeLiberty Mutual State Farm
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit yesyes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
yesyes
In Person Payment
--yes
Mail Payment
yesyes
Mobile App Payments
yesyes
Online Payment
yesyes
Pay Through Your Agent
--yes
Payroll Deduction
yes--
Person 2 Person Payment --yes
Phone Payment
yesyes
Prepayment
yes--

Features and Services

Features and ServicesLiberty Mutual State Farm
24/7 serviceyesyes
Accident forgivenessyes--
Enhanced towing & substitute coverageyesyes
Flexible / convenient payments--yes
Loyalty rewards program--yes
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesLiberty Mutual State Farm
Accident Forgiveness
yes--
Accidental Death, Dismemberment, Disability
--yes
Antique or Collector Car Insurance
--yes
Better Car Replacement
yes--
Emergency Assistance Coverage
yesyes
Emergency Lockout Coverage
yesyes
Gap Insurance
yes--
Glass Coverage --yes
Legal Defense Costs Coverage
yes--
Lifetime Repair Guarantee
yes--
Mechanical Breakdown Insurance
--yes
New Car Replacement Coverage
yes--
Original Equipment Manufacturer Coverage
yes--
Preferred Repair Services
--yes
Rental Reimbursement
yesyes
Ridesharing Coverage
--yes
Roadside Assistance
yesyes
Teachers Insurance
yes--
Vanishing Deductible
yes--
Work Loss Coverage
yes--

Uber and Lyft driver insurance

  • Liberty Mutual
  • State Farm
  • Both

Compare Insurance Products

ProductLiberty Mutual State Farm
Accident InsuranceAccident Insuranceyes--
Personal Articles InsurancePersonal Articles Insurance--yes
ATV InsuranceATV Insuranceyesyes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insuranceyesyes
Business InsuranceBusiness Insurance--yes
Classic Car InsuranceClassic Car Insuranceyes--
Condo InsuranceCondo Insuranceyesyes
Critical Illness InsuranceCritical Illness Insuranceyes--
Dwelling Fire InsuranceDwelling Fire Insuranceyesyes
Disability InsuranceDisability Insurance--yes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insuranceyesyes
Golf Cart InsuranceGolf Cart Insurance--yes
Health InsuranceHealth Insurance--yes
Home InsuranceHome Insuranceyesyes
Identity Theft InsuranceIdentity Theft Insuranceyesyes
Life InsuranceLife Insuranceyesyes
Long-Term Care InsuranceLong-Term Care Insurance--yes
Mobile Home InsuranceMobile Home Insuranceyesyes
Motorcycle InsuranceMotorcycle Insuranceyesyes
Pet InsurancePet Insuranceyes--
Renters InsuranceRenters Insuranceyesyes
Ridesharing InsuranceRidesharing Insurance--yes
RV InsuranceRV Insuranceyesyes
Small Business InsuranceSmall Business Insuranceyes--
Snowmobile insuranceSnowmobile insurance--yes
Tuition InsuranceTuition Insuranceyes--
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • Liberty Mutual Reviews
  • State Farm Reviews
3.0
5 Stars
28 %
4 Stars
15 %
3 Stars
16 %
2 Stars
8 %
1 Star
32 %

Most Positive Review

By Lisa
They have been very supportive and was able to be there when we had a claim to file. They have been very quick in their responses. I wish we could stay with them. I was very satisfied with them. They were very professional and was there when we needed them. We really like them.

Most Critical Review

By Cynthia
I already told you. Got treated very badly first month with you. You tried to take money from my account for a year payment when I was month to month. Tried,more than once .Threatened me with cancelation, raised my quotes rate 3 times without telling me. Lousy agent. Lied to. Stolen from. Cost me money,which you did pay back. Rotten service all around. Every month you change my due date. It was suppose to be the 15th of each month, now it's the 9th. I don't trust you people. My rate now is not what I was quoted. I want cheaper insurance because I have and always have had a clean record and hardly ever drive. You won't give me what I need or want. You say you can't. So, I'm looking elsewhere. I've found one for $55.00monthly. Can you beat that?

All Reviews

Showing 1 - 10 out of 856 Reviews
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Read reviews that mention

Debby Records
Horrible experience with claims. Wouldn't trust again.
Reese
I started my policy with them in July at 137 month. Then in September I got a letter stating my premium went up $90 dollars! The reasoning, I have a family member in the house who can drive and we never signed the form. There is just one little issue with that, we never got the form. I was just reading that someone else went through thee exact same thing. They then proceed to say, "Well we sent it by email." Knowing full well not everyone checks emails constantly. Shouldn't they have sent that by mail? When I asked if I could talk to a supervisor, I was flat out told, "No." I have recently canceled my policy and they now are saying I owe 317 dollars? DO NOT TRUST LIBERTY MUTUAL
Rudelania
Marvin
Reported bad info to C.L.U.E., stating I had a chargeable accident and that they paid out $500. I was not at fault, claim was canceled and $0 paid out! It took intervention by Florida Department of Financial Services. They accomplished in 1 day what I had been working on for over 2 months. I will NEVER trust Liberty Mutual again.
Michael
They normally take care of me. Premium is a little high. If I could get it $40-50 cheaper I probably wouldnt leave.
Paul
Service was great but premium cost are high.
Amanda
Customer services had been extremely poor
Rhonda
Long time customer. Never had a claim. I rec'd a traffic ticket 2 years ago and they added 15% to my insurance premium. Didn't even ask what happened.
Verlie
On line was easy
Jimmy
was ok up yo now then my rate went up without any ticket or claim
Showing 1 - 10 out of 856 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.