GEICO vs. Liberty Mutual: Best Auto Insurance for 2021
When comparing GEICO vs. Liberty Mutual, GEICO is cheaper across the board. And, when it comes to GEICO vs. Liberty Mutual reviews, GEICO scores better in financial and customer satisfaction comparisons. Be sure to include available discounts while comparing GEICO and Liberty Mutual auto insurance rates.
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UPDATED: May 17, 2021
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- On average, Liberty Mutual auto insurance is more expensive than GEICO auto insurance
- Although both companies received good Better Business Bureau ratings, GEICO rates higher in financial stability
- GEICO has better customer satisfaction ratings than Liberty Mutual
There are so many choices out there for automobile insurance, it can be hard to make a decision. However, comparing them head to head can make it easier to pick the right company for you.
In this article, we’ll compare GEICO vs. Liberty Mutual by looking at each company’s rates, discounts, and ratings so you can weigh the pros and cons.
The good news is that your comparison shopping doesn’t have to stop at GEICO vs. Liberty Mutual. Enter your ZIP code to compare auto insurance quotes from multiple companies near you today.
Is GEICO auto insurance or Liberty Mutual auto insurance cheaper?
Your auto insurance rates are based on your personal circumstances. Some of the biggest factors are your age, gender, marital status, driving history, and credit score.
These factors will determine how affordable GEICO vs. Liberty Mutual auto insurance is for you.
First, let’s look at how age, gender, and marital status might affect GEICO vs. Liberty Mutual auto insurance rates. This table shows you average rates based on demographics.
|Age, Gender, and Marital Status||GEICO Average Annual Rates||Liberty Mutual Average Annual Rates|
|Single 17-year-old female||$5,405.23||$9,875.56|
|Single 17-year-old male||$5,955.63||$12,181.54|
|Single 25-year-old female||$2,312.93||$3,287.35|
|Single 25-year old male||$2,171.06||$3,502.13|
|Married 35-year-old female||$2,253.30||$3,085.88|
|Married 35-year-old male||$2,237.96||$3,179.88|
|Married 60-year-old female||$2,107.40||$2,706.04|
|Married 60-year-old male||$2,188.44||$3,088.10|
GEICO is much cheaper than Liberty Mutual for all ages, and younger drivers save the most.
One of the biggest factors affecting your rates is your driving record. Drivers with accidents, tickets, and DUIs will pay much more for auto insurance.
|Driving Record||GEICO Average Annual Rates||Liberty Mutual Average Annual Rates|
|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|
Liberty Mutual is much more expensive than GEICO for all driving records.
One factor used to calculate your rates that might surprise you is your credit score. Car insurance companies believe having a good credit score means you’re less likely to file a claim and more likely to pay for damages out of pocket.
|Credit History||GEICO Average Annual Rates||Liberty Mutual Average Annual Rates|
When GEICO vs. Liberty Mutual auto insurance companies are stacked up this way, once again, GEICO is the cheaper option, no matter your credit score.
Also, keep in mind that some states no longer allow auto insurance companies to look at your gender and credit score when determining your rates. Check your local auto insurance laws to find out if yours is one of them.
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Does GEICO or Liberty Mutual have better auto insurance discounts?
Car insurance discounts can lower your rates significantly, and most companies offer a variety of ways to save. Common discounts include good student, occupation, and multi-car discounts.
This table shows you the Liberty Mutual vs. GEICO discounts available, as well as the value of the discount if it is known. See which company will provide you with the best deal.
|Auto Insurance Discounts||GEICO (%)||Liberty Mutual (%)|
|Adaptive Cruise Control||N/A||5|
|Daytime Running Lights||1||5|
|Electronic Stability Control||N/A||5|
|Forward Collision Warning||N/A||5|
|Lane Departure Warning||N/A||x|
|New Customer/New Plan||N/A||x|
|Seat Belt Use||15||N/A|
|Students & Alumni||x||10|
While the two companies offer many of the same discounts, there are some differences. For example, GEICO offers a continuous coverage discount and Liberty Mutual does not. However, Liberty Mutual offers an auto-billing discount and GEICO doesn’t.
Don’t forget to add in any available discounts when you compare GEICO vs. Liberty Mutual auto insurance quotes.
How do GEICO and Liberty Mutual compare in financial strength and customer satisfaction?
A.M. Best ranks companies’ financial stability by measuring how capable they are of fulfilling their commitments. GEICO was given an A++ ranking, suggesting that it has a superior potential to fulfill financial obligations.
Liberty Mutual was given an A, indicating that it has a strong ability to fulfill its financial obligations.
The Better Business Bureau gave both GEICO and Liberty Mutual an A+ rating.
Companies are rated by J.D. Power based on customer satisfaction in areas like price, billing, coverages provided, and claims.
When it comes to GEICO vs. Liberty Mutual reviews, GEICO fared better than the majority of auto insurance companies and Liberty Mutual came in near the bottom.
The two companies have a number of similarities. Each offers a website and mobile app that allows customers to access their accounts.
They both also offer additional services, such as roadside assistance. You can even compare Liberty Mutual vs. GEICO homeowners insurance or other products online.
Deciding whether to buy GEICO vs. Liberty Mutual auto insurance can be tough, but weighing the pros and cons of each company can help you decide if either is right for you.
Now that you’ve compared GEICO vs. Liberty Mutual auto insurance rates, discounts, and ratings, enter your ZIP code to receive quotes from multiple companies in your area.