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.
Free Auto Insurance Comparison
Secured with SHA-256 Encryption
UPDATED: Jul 18, 2021
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
- 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.
|State||Allstate Average Annual Rates||Liberty Mutual Average Annual Rates|
|Arkansas||$5,150.03||Data Not Available|
|Arizona||$4,904.10||Data Not Available|
|District of Columbia||$6,468.92||Data Not Available|
|Louisiana||$5,998.79||Data Not Available|
|New Mexico||$4,200.65||Data Not Available|
|South Carolina||$3,903.43||Data Not Available|
|Texas||$5,485.44||Data Not Available|
|Virginia||$3,386.80||Data Not Available|
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.
|Driving Record||Allstate Average Annual Rates||Liberty Mutual Average Annual Rates|
|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|
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.
|Age, Gender, and Marital Status||Allstate Average Annual Rates||Liberty 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|
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.
|Credit History Summary||Allstate Average Annual Rates||Liberty 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|
As you can see, a poor credit score could end up costing you thousands of dollars.
Compare over 200 auto insurance companies at once!
Secured with SHA-256 Encryption
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.
|Ratings Website||Allstate Ratings||Liberty Mutual Ratings|
|AM Best||A+ (Superior)||'A'|
|Better Business Bureau||A+||A|
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.
|Types of Coverage||Allstate Coverages||Liberty Mutual Coverages|
|Bodily injury liability||x||x|
|Personal Injury Protection (PIP)||x||x|
|Property damage liability||x||x|
|Uninsured/underinsured bodily injury||x||x|
|Uninsured/underinsured motorist property damage||x||x|
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.
|Discounts||Allstate Discounts Offered||Liberty Mutual Discounts Offered|
|Adaptive Cruise Control||x|
|Daytime Running Lights||x||x|
|Electronic Stability Control||x||x|
|Lane Departure Warning||x|
|Forward Collision Warning||x|
|New Customer/New Plan||x|
|On Time Payments||x|
|Students & Alumni||x|
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.
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.