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Choosing a car insurance company isn’t easy, but with various companies charging different auto insurance rates, not shopping around can potentially cost you thousands of dollars. Some factors that impact what you pay for car insurance are outside of your control, like your age and gender. Others, like your credit rating and driving record, are controllable. No matter your situation, comparing car insurance companies is worth your time.

To make buying car insurance easier, this comparison looks at Liberty Mutual and State Farm car insurance so you can see which one is the better fit for your needs. 

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Liberty Mutual vs. State Farm: Which Is Cheaper?

Of the 10 major car insurance companies we’ve analyzed, State Farm has the third best rates overall, trailing only USAA and Travelers. 

Liberty Mutual car insurance rates are not currently available.

How We Did This Comparison

U.S. News worked with Quadrant Information Services to provide a report of average insurance rates in all 50 states from the 10 largest national car insurance companies. The rates are based on profiles for both male and female drivers aged 17, 25, 35, and 60. Vehicles used include the 2018 Honda Civic, 2018 Toyota RAV4, 2018 Ford F-150, 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150, with annual mileage of 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations. The rates shown here are for comparative purposes only. Individual rates will differ.

We also surveyed 2,799 consumers who filed a car insurance claim in the last five years, asking questions about their car insurance company. These questions covered satisfaction with the ease of filing a claim, customer service, claim status communication, claim resolution, and overall value. We also asked whether they’d recommend the company and if they planned to renew their policy. We used their responses to build our Best Car Insurance Companies ranking and this head-to-head comparison.

Liberty Mutual car insurance rates are not currently available.

Liberty Mutual

  • 50% of survey respondents report being completely satisfied with how their claim with Liberty Mutual was resolved
  • 37% of survey respondents report being dissatisfied with the value they feel they get from Liberty Mutual

State Farm

  • Excellent customer satisfaction scores
  • Overall low rates
  • Lower-than-average rates for teen drivers

Liberty Mutual Auto Insurance Information

With $11.6 billion in policies and a 5 percent market share, publicly held Liberty Mutual offers a wide variety of insurance products including home, auto, fire, workmen’s compensation, and liability policies for both individuals and businesses. Liberty Mutual sells car insurance primarily online and over the phone, offering 24/7 customer support. Car insurance discounts are available for new customers, those who combine auto insurance with other policies, and drivers with a clean driving record. Liberty Mutual offers services designed to help you save money toward your deductible, and it offers a rate guarantee, so your car insurance premium is locked in for 12 months at a time.

Liberty Mutual customers gave the company mixed reviews for satisfaction, with more than half of those surveyed giving top marks for customer service and ease of filing a claim. However, only half were completely satisfied with how their claim was resolved, and fewer than 40 percent gave top marks for value. Worse, just over 17 percent said they were either unsatisfied or very unsatisfied with value. Still, more than 52 percent of respondents said they would recommend Liberty Mutual to someone looking for car insurance, and more than 57 percent said they would likely to renew their policy with the company.

State Farm Auto Insurance Information

Founded in 1922, State Farm is a mutual insurance company. That means that policy holders each own a small piece of the company rather than having its shares traded publicly on the stock market. State Farm has an 18 percent market share of the car insurance market, and it underwrites $41.8 billion in policies. State Farm car insurance discounts can get you lower rates for setting up vehicle tracking, having a good student or good driver on the policy, driving a vehicle with certain safety features, being a loyal customer to the insurer, and bundling different types of insurance policies. State Farm also offers homeowners, renters, life, and other insurance and banking products, which are all available both online and from local State Farm agents.

State Farm is one of the highest-ranked insurers in our survey, trailing only USAA and Travelers for overall satisfaction. Almost 60 percent of respondents gave State Farm top marks for satisfaction with the ease of filing a claim, customer service, and how their claim was resolved. While customers were not as satisfied with value, more than 40 percent said they were very satisfied, while fewer than 6 percent said they were very unsatisfied. Both numbers represent better scores than Liberty Mutual. More than 62 percent said they were either likely or very likely to recommend State Farm to someone looking for car insurance, and almost 76 percent said they were either likely or very likely to renew their own policy with the company.

Get Cheap Car Insurance Quotes in Your Area

Get great auto insurance coverage at an even better price.

The Best Car Insurance Companies

For more information, check out our full ranking of the best car insurance companies and learn about what real customers say about Liberty Mutual, State Farm, and their competitors.

Our Car Insurance Ranking:

  1. USAA
  2. Travelers
  3. State Farm
  4. Geico
  5. Farmers
  6. Nationwide
  7. Progressive
  8. Allstate
  9. Liberty Mutual
  10. American Family

Liberty Mutual car insurance rates are not currently available.

The Cheapest Car Insurance Companies

For more information, check out our full list of the cheapest car insurance companies.

Average Annual Rates:

  1. USAA: $2,537.30
  2. Geico: $3,215.01
  3. State Farm: $3,260.00
  4. American Family: $3,443.09
  5. Nationwide: $3,450.00
  6. Progressive: $4,035.52
  7. Farmers: $4,194.27
  8. Travelers: $4,434.91
  9. Allstate: $4,887.95

Liberty Mutual car insurance rates are not currently available.