Farmers vs. Liberty Mutual: Best Auto Insurance for 2021

When comparing Farmers vs Liberty Mutual, Farmers insurance is cheaper. Both companies have excellent A.M. Best and BBB ratings, but Farmers customer satisfaction rating is slightly higher than Liberty Mutual's. Both Farmers and Liberty Mutual offer multiple discounts that can have a big impact on your auto insurance rates.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Apr 28, 2021

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Can't-Miss Facts

  • Liberty Mutual auto insurance is more expensive than Farmers
  • Both companies have excellent A.M. Best and BBB ratings
  • When it comes to customer satisfaction, Farmers scores about average while Liberty Mutual scores below average in most regions

You have lots of options for your automobile insurance, but comparing them head to head can help you narrow them down. We will look at Farmers vs. Liberty Mutual auto insurance companies to see if one of them meets your needs.

In order to determine if either is right for you, compare rates, discounts, and ratings.

Before you read on to learn about Farmers vs. Liberty Mutual, take a minute to see how much you could save today. Enter your ZIP code now to receive quotes from multiple companies near you for free.

Is Farmers auto insurance or Liberty Mutual auto insurance cheaper?

Your auto insurance rates are determined by many different factors, such as your age, gender, marital status, driving record, and credit history. These factors, and more, determine just how affordable Farmers vs. Liberty Mutual auto insurance is for you.

Is Liberty Mutual better than Farmers insurance when you look at these factors?

We will start by looking at Farmers vs. Liberty Mutual auto insurance rates based on your age, gender, and marital status. This table shows the rates for each company based on demographics.

Farmers vs. Liberty Mutual Average Annual Rates Based on Age, Gender, and Marital Status
Age, Gender, and Marital StatusFarmers Average Annual RatesLiberty Mutual Average Annual Rates
Single 17-year-old female$8,666.24$9,875.56
Single 17-year-old male$9,202.06$12,181.54
Single 25-year-old female$2,672.81$3,287.35
Single 25-year old male$2,791.21$3,502.13
Married 35-year-old female$2,316.82$3,085.88
Married 35-year-old male$2,306.44$3,179.88
Married 60-year-old female$2,117.42$2,706.04
Married 60-year-old male$2,179.61$3,088.10
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Regardless of age, gender, or marital status, Farmers insurance is cheaper.

Your driving record is one of the biggest factors used to determine your auto insurance rates. Your rates will skyrocket if you have accidents, speeding tickets, or DUIs.

Farmers vs. Liberty Mutual Average Annual Rates Based on Driving Record
Driving RecordFarmers Average Annual RatesLiberty Mutual Average Annual Rates
Clean record$3,460.60$4,774.30
With 1 accident$4,518.73$6,204.78
With 1 DUI$4,718.75$7,613.48
With 1 speeding violation$4,079.01$5,701.26
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Liberty Mutual is much more expensive than Farmers for all drivers.

One factor you might not know that affects your car insurance rates is your credit score. Most insurance companies believe that you are more likely to avoid filing a claim and pay for damages out of pocket if you have a higher credit score

Farmers vs. Liberty Mutual Average Annual Rates Based on Credit History

Credit HistoryFarmers Average Annual RatesLiberty Mutual Average Annual Rates
Good$3,677.12$4,388.18
Fair$3,899.41$5,604.24
Poor$4,864.14$8,802.22
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Once again, Farmers auto insurance is cheaper than Liberty Mutual for all credit scores.

Keep in mind that some states like California no longer allow insurers to consider credit score when determining rates.

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Farmers or Liberty Mutual: Which has better auto insurance discounts?

One of the best wars to lower your rates is to add car insurance discounts. Most auto insurance companies offer common discounts, such as multi-vehicle, multi-policy, and occupation discounts.

This table shows you the Liberty Mutual and Farmers insurance discounts offered. If the amount of the discount is known, it is listed. Take a look to see which company can offer you the most discounts.

Farmers vs. Liberty Mutual Auto Insurance Discounts
Auto Insurance DiscountsFarmers (%)Liberty Mutual (%)
Adaptive Cruise ControlN/A5
Adaptive Headlightsx5
Anti-lock Brakesx5
Anti-Theftx20
Claim Freexx
Continuous CoveragexN/A
Daytime Running Lightsx5
Defensive Driverx10
Distant StudentxN/A
Driver's Edx10
Driving Device/AppN/A30
Early SigningxN/A
Electronic Stability Controlx5
Family PlanxN/A
Farm VehiclexN/A
Federal Employeex10
Forward Collision WarningN/A5
Full Paymentx$5
Further EducationN/A10
Garaging/StoringxN/A
Good Studentx22.5
Green Vehicle510
Homeownerxx
Lane Departure WarningN/Ax
Low Mileagexx
MarriedN/Ax
Membership/GroupN/A10
Militaryx4
Multiple Policiesx20
Multiple Vehiclesx10
New AddressN/A5
New Customer/New PlanN/Ax
New GraduateN/A5
Newer VehiclexN/A
Newly LicensedN/A5
NewlywedsN/A5
Occupationx10
Paperless DocumentsxN/A
Paperless/Auto Billingxx
Passive Restraintxx
Recent RetireesN/A4
Safe DriverxN/A
Senior DriverxN/A
Students & AlumniN/A10
Switching Providerx10
Utility VehiclexN/A
Vehicle Recoveryx35
VIN Etchingx5
Young DriverN/Ax
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A lot of the same discounts are offered by both companies. However, there are some differences. For example, Farmers offers a continuous coverage discount that Liberty Mutual doesn’t. Liberty Mutual, on the other hand, offers a married discount and Farmers doesn’t.

As you compare Farmers vs. Liberty Mutual auto insurance quotes, be sure to consider discounts you may receive.

How do Farmers and Liberty Mutual compare for financial strength and customer satisfaction?

Insurance companies are ranked on their financial stability by A.M. Best. Both companies received an A rating, meaning they have an excellent ability to meet their obligations.

Farmers and Liberty Mutual are both accredited with the Better Business Bureau and received A+ ratings.

J.D. Power ranked both Farmers and Liberty Mutual for customer satisfaction on factors like what is offered, billing, price, and claims. Farmers insurance reviews ranked about average and Liberty Mutual reviews ranked slightly lower.

The companies also have other things in common. Both companies offer websites, mobile apps, and online quotes. Each company also offers additional coverages and services, such as homeowners insurance and roadside assistance.

To learn more about each company, read our Farmers auto insurance review and our Liberty Mutual review.

Deciding to buy Farmers vs. Liberty Mutual auto insurance can be a difficult decision. Weigh Farmers and Liberty Mutual’s pros and cons to determine if either company is right for you.

Now that you know all the details on Farmers vs. Liberty Mutual auto insurance, enter your ZIP code to compare quotes from multiple companies near you.

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