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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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: May 17, 2021

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Can't-Miss Facts

  • 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.

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$5,405.23$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
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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.

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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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.

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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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.

GEICO vs. Liberty Mutual Auto Insurance Discounts
Auto Insurance DiscountsGEICO (%)Liberty Mutual (%)
Adaptive Cruise ControlN/A5
Adaptive HeadlightsN/A5
Anti-lock Brakes55
Anti-Theft2520
Claim Free26x
Continuous CoveragexN/A
Daytime Running Lights15
Defensive Driverx10
Distant StudentxN/A
Driver's Edx10
Driving Device/Appx30
Early SigningxN/A
Electronic Stability ControlN/A5
Emergency Deployment25N/A
Family LegacyxN/A
Farm VehiclexN/A
Federal Employee810
Forward Collision WarningN/A5
Full Paymentx$5
Further Educationx10
Good Student1522.5
Green VehicleN/A10
Homeownerxx
Lane Departure WarningN/Ax
Low Mileagexx
LoyaltyxN/A
MarriedN/Ax
Membership/Groupx10
Military154
Multiple Policies1020
Multiple Vehicles2510
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 Restraint40x
Recent RetireesN/A4
Safe Driver15N/A
Seat Belt Use15N/A
Students & Alumnix10
Switching ProviderN/A10
Utility VehiclexN/A
Vehicle Recovery1535
VIN EtchingN/A5
Young DriverN/Ax
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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.

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

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.

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