Allstate vs. Liberty Mutual: Pros & Cons (2021)

If you are trying to choose between Allstate vs. Liberty Mutual auto insurance, you will find that Allstate offers lower rates in most cases. Both Allstate and Liberty Mutual discounts are plentiful and can lower rates. The Allstate A.M. Best rating of A+ is slightly higher than the Liberty Mutual rating, which is an A.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 18, 2021

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What You Should Know

  • Allstate offers lower rates than Liberty Mutual in most cases. 
  • Both Allstate and Liberty Mutual offer a variety of discounts. 
  • Allstate has 24/7 customer service, while Liberty Mutual’s customer service is limited to certain hours. 

When searching for auto insurance quotes online, you may have found yourself interested in Allstate and Liberty Mutual. Two of the most popular insurance companies, Allstate and Liberty Mutual offer plenty of auto insurance coverage options, discounts, and more.

When comparing Allstate vs. Liberty Mutual it’s important to consider their rates, discounts, and customer service options.

For the most part, Allstate Insurance and Liberty Mutual Insurance offer similar rates and online services. In our article, we have provided rate comparisons for both companies based on several different factors.

When considering whether to buy Allstate vs. Liberty Mutual auto insurance, you should also compare rates from other auto insurance companies. Compare rates from some of the best companies by using our comparison tool.

Allstate vs. Liberty Mutual: Comparing Auto Insurance Rates

As with most auto insurance companies, Allstate and Liberty Mutual both consider several pieces of information when determining auto insurance rates. See how the companies compare below.

Which is cheapest by the state?

There are several states in which auto insurance rates are greatly increased, including Delaware. See how rates compare in your state below.

Allstate vs. Liberty Mutual Average Annual Auto Insurance Rates by State
StateAllstate Average Annual RatesLiberty Mutual Average Annual Rates
Alaska$3,145.31$5,295.55
Alabama$3,311.52$4,005.48
Arkansas$5,150.03Data Not Available
Arizona$4,904.10Data Not Available
California$4,532.96$3,034.42
Colorado$5,537.17$2,797.74
Connecticut$5,831.60$7,282.87
District of Columbia$6,468.92Data Not Available
Delaware$6,316.06$18,360.02
Florida$7,440.46$5,368.15
Georgia$4,210.70$10,053.44
Hawaii$2,173.49$3,189.55
Iowa$2,965.86$4,415.28
Idaho$4,088.76$2,301.51
Illinois$5,204.41$2,277.65
Indiana$3,978.81$5,781.35
Kansas$4,010.23$4,784.42
Kentucky$7,143.92$5,930.97
Louisiana$5,998.79Data Not Available
Maine$3,675.59$4,331.39
Maryland$5,233.17$9,297.55
Massachusetts$2,708.53$4,339.35
Michigan$22,902.59$20,000.04
Minnesota$4,532.01$13,563.61
Missouri$4,096.15$4,518.67
Mississippi$4,942.11$4,455.94
Montana$4,672.10$1,326.11
North Carolina$7,190.43$2,182.71
North Dakota$4,669.31$12,852.83
Nebraska$3,198.83$6,241.52
New Hampshire$2,725.01$8,444.41
New Jersey$5,713.58$6,766.62
New Mexico$4,200.65Data Not Available
Nevada$5,371.62$6,201.55
New York$4,740.97$6,540.73
Ohio$3,197.22$4,429.74
Oklahoma$3,718.62$6,874.62
Oregon$4,765.95$4,334.55
Pennsylvania$3,984.12$6,055.20
Rhode Island$4,959.45$6,184.12
South Carolina$3,903.43Data Not Available
South Dakota$4,723.72$7,515.99
Tennessee$4,828.85$6,206.69
Texas$5,485.44Data Not Available
Utah$3,566.42$4,327.76
Virginia$3,386.80Data Not Available
Vermont$3,190.38$3,621.08
Washington$3,540.52$3,994.73
West Virginia$3,820.68$2,924.39
Wisconsin$4,854.41$6,758.85
Wyoming$4,373.93$1,989.36
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While Allstate and Liberty Mutual have similar rates in many states, their rates are vastly different in states like Georgia. For information on the insurance laws in your state, visit the NAIC website

Which is cheapest by driving record?

When it comes to being affordable Allstate vs. Liberty Mutual auto insurance are both cheaper when you have a good driving record. 

Allstate vs. Liberty Mutual Average Annual Auto Insurance Rates by Driving Record
Driving RecordAllstate Average Annual RatesLiberty Mutual Average Annual Rates
Clean Record$3,819.90$4,774.30
With One Accident$4,987.68$6,204.78
With One DUI$6,260.73$7,613.48
With One Speeding Violation$4,483.51$5,701.26
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As you can see, those with no marks in their driving record pay less from both companies. 

Which is cheapest by age and gender?

When comparing Allstate vs. Liberty Mutual auto insurance rates by age, you’ll find that Allstate usually offers lower rates. 

Allstate vs. Liberty Mutual Average Annual Auto Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusAllstate Average Annual RatesLiberty Mutual Average Annual Rates
Married 35-year old female $3156.09 $3,802.77
Married 35-year old male $3123.01 $3,856.84
Married 60-year old female $2913.37 $3,445.00
Married 60-year old male $2990.64 $3,680.53
Single 17-year old female $9282.19 $11,621.01
Single 17-year old male $10642.53 $13,718.69
Single 25-year old female $3424.87 $3,959.67
Single 25-year old male $3570.93 $4,503.13
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While Allstate rates are lower, Liberty Mutual does offer plenty of discounts, which we discuss later in the article. 

Which is cheapest by credit score?

Like your driving record, a bad credit score will likely mean that you’ll pay more for auto insurance. 

Allstate vs. Liberty Mutual Average Annual Auto Insurance Rates by Credit Score
Credit History SummaryAllstate Average Annual RatesLiberty Mutual Average Annual Rates
Good Credit (670-739)$3,859.66$4,388.18
Fair Credit Score (580-669)$4,581.16$5,604.24
Poor Credit Score (300-579)$6,490.65$8,802.22
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As you can see, a poor credit score could end up costing you thousands of dollars. 

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Allstate vs. Liberty Mutual: Ratings and Customer Satisfaction

What are their financial ratings?

Before deciding on a company when comparing Allstate vs. Liberty Mutual car insurance, it is important to check their financial stability. 

Allstate vs. Liberty Mutual Financial Ratings
Ratings WebsiteAllstate RatingsLiberty Mutual Ratings
AM BestA+ (Superior)'A'
S&PA-AA+
Moody'sAa3A2
Better Business BureauA+A
Consumer Reports88N/A
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As you can see, both companies received high ratings from most of the financial rating companies listed. 

How do customers rate them?

Before you decide to buy, it is important to consider how customers rate Allstate and Liberty Mutual car insurance. For the most part, both companies received mixed to high ratings from customers. 

Additionally, both companies offer many services through their websites. All you have to do is create an Allstate or Liberty Mutual account. Through their respective websites, you could make Allstate claims, speak with Liberty Mutual customer service, and more.

Creating an Allstate Insurance login or a Liberty Mutual insurance login is easy. Just follow the instructions given on their website. If you need assistance, the Liberty Mutual phone number is (800) 290-7933 and the Allstate number is (877) 366-1607. 

Allstate vs. Liberty Mutual: Auto Insurance Coverage and Options

What are their coverage options?

Allstate and Liberty Mutual both offer plenty of excellent coverage options. See some of their basic options in the chart below. 

Allstate vs. Liberty Mutual Types of Coverage
Types of CoverageAllstate CoveragesLiberty Mutual Coverages
Bodily injury liabilityxx
Personal Injury Protection (PIP)xx
Property damage liabilityxx
Comprehensivexx
Collisionxx
Uninsured/underinsured bodily injuryxx
Uninsured/underinsured motorist property damagexx
Medical paymentsxx
Roadside assistancexx
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For information on additional options offered by either company, it’s best to speak with an agent in your area. 

What discounts do they offer?

While you might be worried about being able to afford the rates offered by Allstate or Liberty Mutual, both companies offer plenty of discounts that are sure to help you save some cash. 

Allstate vs. Liberty Mutual Discounts
DiscountsAllstate Discounts OfferedLiberty Mutual Discounts Offered
Adaptive Cruise Controlx
Adaptive Headlightsx
Anti-lock Brakesxx
Anti-Theftxx
Daytime Running Lightsxx
Electronic Stability Controlxx
Utility Vehiclex
Vehicle Recoveryxx
VIN Etchingxx
Lane Departure Warningx
Newer Vehiclex
Green Vehiclexx
Forward Collision Warningx
Claim Freexx
Continuous Coveragex
Defensive Driverxx
Distant Studentx
Driver's Edxx
Driving Device/Appxx
Early Signingx
Family Legacyx
Federal Employeex
Family Planx
Full Paymentxx
Further Educationx
Garaging/Storingx
Good Studentxx
Homeownerx
Low Mileagexx
Marriedx
Membership/Groupx
Militaryxx
Multiple Policiesxx
Multiple Vehiclesx
New Addressx
New Customer/New Planx
New Graduatex
Newly Licensedx
Newlywedsx
Occupationxx
On Time Paymentsx
Paperless Documentsx
Paperless/Auto Billingxx
Passive Restraintxx
Recent Retireesx
Safe Driverx
Senior Driverx
Students & Alumnix
Switching Providerx
Young Driverx
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Your quote could be lower after factoring in some of these discounts. Be sure to contact an agent to see which discounts you qualify for. 

Allstate vs. Liberty Mutual: Which Company Is the Best?

After receiving your Allstate vs. Liberty Mutual auto insurance quotes, you still might be having trouble deciding on a company. However, the decision will need to be made based on your personal preferences.

For example, if lower rates and 24/7 customer service are most important to you, then Allstate may be the way to go. That being said, Liberty Mutual offers plenty of discounts and ways to save on your deductible.

For more information on both companies, feel free to check out our Allstate auto insurance review and Liberty Mutual auto insurance review.

Deciding between Allstate and Liberty Mutual can be quite difficult. This is why it’s important to compare rates from other top companies as well. Easily compare rates by using our comparison tool below.

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