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

When it comes to GEICO vs. Liberty Mutual auto insurance, GEICO wins. Not only does GEICO have lower rates across the board, but it also has higher financial and customer satisfaction ratings. Liberty Mutual insurance doesn’t score badly, just not as high as GEICO. Take advantage of the numerous discounts GEICO and Liberty Mutual both offer to bring down auto insurance rates.

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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: Mar 6, 2021

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What You Should Know

  • GEICO average annual auto insurance is cheaper than Liberty Mutual based on age, driving record, and credit history
  • Both companies received good financial and BBB ratings
  • J.D. Power ranked GEICO higher than Liberty Mutual in customer satisfaction

When it comes to the best auto insurance companies. there’s a lot to choose from. Comparing them head to head will help you pick the best one for you. We will look at GEICO vs. Liberty Mutual auto insurance companies to see which company works best for you.

Compare the pros and cons of each company by looking at the rates, discounts, financial ratings, and customer service ratings.

You don’t have to narrow your search down to just GEICO vs. Liberty Mutual auto insurance. Receive free quotes from companies near you by entering your ZIP code now.

Is GEICO auto insurance or Liberty Mutual auto insurance cheaper?

There are many different factors that auto insurance companies use to calculate your rates. Common factors looked at are your age, driving history, and credit score.

Since these factors will be different for everyone, how affordable GEICO vs. Liberty Mutual auto insurance is will vary.

The first factor we are going to look at is how age affects auto insurance rates. We all know that younger drivers get charged higher rates, but you might be surprised at what the difference actually is.

GEICO vs. Liberty Mutual Average Annual Rates Based on Age, Gender, and Marital Status
Age, Gender, and Marital StatusGEICO Average Annual RatesLiberty Mutual Average Annual Rates
Single 17-year-old female$5,653.55$11,621.01
Single 17-year-old male$6,278.96$13,718.69
Single 25-year-old female$2,378.89$3,959.67
Single 25-year-old male$2,262.87$4,503.13
Married 35-year-old female$2,302.89$3,802.77
Married 35-year-old male$2,312.38$3,856.84
Married 60-year-old female$2,240.60$3,445.00
Married 60-year-old male$2,283.45$3,680.53
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Liberty Mutual insurance rates average over a thousand dollars higher annually in each age group, and more than $5,000 higher for teen drivers.

Your driving record also makes a huge difference in your car insurance rates. Tickets, accidents and DUIs can make your rates skyrocket.

GEICO vs. Liberty Mutual Average Annual Rates Based on Driving Record
Driving RecordGEICO Average Annual RatesLiberty Mutual Average Annual Rates
Clean record$2,145.96$4,774.30
With 1 accident$3,192.77$6,204.78
With 1 DUI$4,875.87$7,613.48
With 1 speeding violation$2,645.43$5,701.26
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Again, GEICO’s average annual auto insurance rates are thousands less than Liberty Mutual, no matter if you have a clean record or not.

Did you know that your credit history can also affect your auto insurance rates? Research shows, you are less likely to file a claim and are more willing to pay out of pocket for damages if you have a high credit score.

GEICO vs. Liberty Mutual Average Annual Rates Based on Credit History
Credit HistoryGEICO Average Annual RatesLiberty Mutual Average Annual Rates
Good$2,434.82$4,388.18
Fair$2,986.79$5,604.24
Poor$4,259.50$8,802.22
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Yet again, GEICO insurance is much cheaper on average than Liberty Mutual for all credit types.

However, be aware that your individual rates may differ on your Liberty Mutual or GEICO quote depending on your personal situation.

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Does GEICO or Liberty Mutual have better auto insurance discounts?

Auto insurance discounts can lower your rates significantly, as most companies offer discounts that fit everyone. Commonly offered discounts include good student, occupation, and multi-car discounts.

This table shows you the discounts offered through GEICO and Liberty Mutual, and if the amount of the discount is known, that information is included also. See which company can offer your the most discounts.

GEICO vs Liberty Mutual Auto Insurance Discounts
DiscountsGEICOLiberty Mutual
Adaptive Cruise ControlN/A5%
Adaptive HeadlightsN/A5%
Anti-lock Brakes5%5%
Anti-Theft25%20%
Claim Free26%x
Continuous CoveragexN/A
Daytime Running Lights1%5%
Defensive Driverx10%
Distant StudentxN/A
Driver's Edx10%
Driving Device/Appx30%
Early SigningxN/A
Electronic Stability ControlN/A5%
Emergency Deployment25%N/A
Family LegacyxN/A
Farm VehiclexN/A
Federal Employee8%10%
Forward Collision WarningN/A5%
Full Paymentx$5
Further Educationx10%
Good Student15%22.50%
Green VehicleN/A10%
Homeownerxx
Lane Departure WarningN/Ax
Low Mileagexx
LoyaltyxN/A
MarriedN/Ax
Membership/Groupx10%
Military15%4%
Multiple Policies10%20%
Multiple Vehicles25%10%
New AddressN/A5%
New Customer/New PlanN/Ax
New GraduateN/A5%
Newer VehiclexN/A
Newly LicensedN/A5%
NewlywedsN/A5%
Occupationx10%
Paperless/Auto BillingN/Ax
Passive Restraint40%x
Recent RetireesN/A4%
Safe Driver15%N/A
Seat Belt Use15%N/A
Students & Alumnix10%
Switching ProviderN/A10%
Utility VehiclexN/A
Vehicle Recovery25%35%
VIN EtchingN/A5%
Young DriverN/Ax
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Both companies offer a lot of discounts, but they don’t necessarily offer the same discounts. For example, GEICO offers an early signing discount and Liberty Mutual doesn’t. Liberty Mutual offers a discount for being married and GEICO doesn’t.

When you compare GEICO vs. Liberty Mutual auto insurance quotes, take into account any available discounts.

How do GEICO and Liberty Mutual compare in financial strength and customer satisfaction?

Financial stability is ranked by A.M. Best to see how likely companies are to meet their obligations. GEICO insurance received an A++, meaning it has a superior ability to meet financial obligations. Liberty Mutual received an A which means it has an excellent ability to meet financial obligations.

Bothe GEICO and Liberty Mutual received an A+ rating from the Better Business Bureau.

J.D. Power ranks companies based on customer satisfaction in certain areas, such as price, billing, coverages offered, and claims. GEICO ranked better than most, and Liberty Mutual fell in the bottom category.

Mobile apps and websites make it easy to contact both companies. You can use your GEICO or Liberty Mutual login to access your ID cards, pay bills, and see your coverages. Your Liberty Mutual or GEICO login can also access additional coverages, like roadside assistance.

GEICO customer service can be reached 24/7 as well. You can also reach Liberty Mutual customer service 24/7. The GEICO customer service number is 888-395-1200, and the Liberty Mutual phone number is 800-290-7933.

To learn more read our GEICO auto insurance review and our Liberty Mutual auto insurance review.

Deciding to buy GEICO vs. Liberty Mutual auto insurance can be a difficult decision, but GEICO’s pros are abundant, as are Liberty Mutual’s cons.

Now that you’ve compared GEICO vs. Liberty Mutual auto insurance rates, discounts, and ratings, enter your ZIP to receive quotes from multiple companies in your area.

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