Liberty Mutual vs. USAA: Best Auto Insurance for 2024
When it comes to Liberty Mutual vs. USAA, USAA insurance is cheaper across the board. USAA also received higher financial and customer satisfaction ratings than Liberty Mutual. However, USAA is only offered to members of the military, veterans, and their families. Use the many discounts offered to see if Liberty Mutual vs. USAA auto insurance is cheaper for you.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
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UPDATED: Nov 14, 2023
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- USAA insurance is cheaper than Liberty Mutual in all categories
- USAA has better financial and customer satisfaction ratings than Liberty Mutual
- Only members of the military, veterans, and their families can buy USAA insurance
There are a lot of choices out there for automobile insurance. Comparing them side by side will help you pick the best company for you. We will look at Liberty Mutual vs. USAA auto insurance companies to see if either is right for you.
To make a decision, compare the pros and cons of each company based on rates, discounts, and ratings to see who can give you the best deal. It’s important to keep in mind that only people who have served in the military and their families are eligible for USAA auto insurance.
Fortunately, you don’t just have to compare Liberty Mutual vs. USAA to find the best company. Enter your ZIP code now to compare free quotes from multiple companies near you.
Is Liberty Mutual auto insurance or USAA auto insurance cheaper?
Just what factors are looked at to determine your auto insurance rates may surprise you. Companies use your age, gender, marital status, driving record, and credit history to calculate your rates.
All of these, and more, will be used to see how affordable Liberty Mutual vs. USAA auto insurance is for you. Keep in mind that rates will be different for every driver.
First, let’s look at Liberty Mutual vs. USAA auto insurance rates by age, gender, and marital status. It’s no surprise that auto insurance for younger drivers is very expensive, but it might surprise you to learn how much rates vary by age.
| Age, Gender, and Marital Status | Liberty Mutual Average Annual Rates | USAA Average Annual Rates |
|---|---|---|
| Single 17-year-old female | $9,875.56 | $4,695.06 |
| Single 17-year-old male | $12,181.54 | $5,225.88 |
| Single 25-year-old female | $3,287.35 | $1,913.08 |
| Single 25-year old male | $3,502.13 | $2,119.73 |
| Married 35-year-old female | $3,085.88 | $1,484.88 |
| Married 35-year-old male | $3,179.88 | $1,482.91 |
| Married 60-year-old female | $2,706.04 | $1,395.84 |
| Married 60-year-old male | $3,088.10 | $1,400.76 |
USAA is the cheaper option regardless of your age, gender, or marital status. Liberty Mutual is thousands of dollars more expensive for 17-year-old drivers.
One of the most significant factors that car insurance companies look at is your driving record. Accidents, speeding tickets, and DUIs will cause your rates to skyrocket.
| Driving Record | Liberty Mutual Average Annual Rates | USAA Average Annual Rates |
|---|---|---|
| Clean record | $4,774.30 | $1,933.68 |
| With 1 accident | $6,204.78 | $2,516.24 |
| With 1 DUI | $7,613.48 | $3,506.03 |
| With 1 speeding violation | $5,701.26 | $2,193.25 |
Liberty Mutual is more expensive than USAA whether or not you have a stellar driving record.
Your credit score is also looked at when calculating your auto insurance rates. Insurance companies think that if you have a higher credit score, you will be more likely to pay for damages yourself and not file a claim.
| Credit History | Liberty Mutual Average Annual Rates | USAA Average Annual Rates |
|---|---|---|
| Good | $4,388.18 | $1,821.20 |
| Fair | $5,604.24 | $2,219.83 |
| Poor | $8,802.22 | $3,690.73 |
Once again, USAA is a much cheaper option. Drivers with poor credit will save the most by choosing USAA over Liberty Mutual.
Keep in mind that some states, like California, no longer allow car insurance companies to use your credit score to determine your rates.
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Does Liberty Mutual or USAA have better auto insurance discounts?
Car insurance discounts are one of the best ways to significantly lower your rates. Most auto insurance companies offer many of the same discounts, such as good student and multi-policy discounts.
The table below shows you the discounts offered by Liberty Mutual and USAA. The amount of the discount is listed if it is known. Look through this list to see which company will offer you the most discounts.
| Auto Insurance Discounts | Liberty Mutual (%) | USAA (%) |
|---|---|---|
| Adaptive Cruise Control | 5 | N/A |
| Adaptive Headlights | 5 | N/A |
| Anti-lock Brakes | 5 | x |
| Anti-Theft | 20 | x |
| Claim Free | x | 12 |
| Daytime Running Lights | 5 | x |
| Defensive Driver | 10 | 3 |
| Distant Student | N/A | x |
| Driver's Ed | 10 | 3 |
| Driving Device/App | 30 | 5 |
| Early Signing | N/A | 12 |
| Electronic Stability Control | 5 | N/A |
| Family Legacy | N/A | 10 |
| Federal Employee | 10 | N/A |
| Forward Collision Warning | 5 | N/A |
| Full Payment | $5 | N/A |
| Further Education | 10 | N/A |
| Garaging/Storing | N/A | 90 |
| Good Student | 22.5 | 3 |
| Green Vehicle | 10 | N/A |
| Homeowner | x | N/A |
| Lane Departure Warning | x | N/A |
| Low Mileage | x | x |
| Loyalty | N/A | x |
| Married | x | x |
| Membership/Group | 10 | N/A |
| Military | 4 | x |
| Military Garaging | N/A | 15 |
| Multiple Policies | 20 | x |
| Multiple Vehicles | 10 | x |
| New Address | 5 | N/A |
| New Customer/New Plan | x | N/A |
| New Graduate | 5 | N/A |
| Newer Vehicle | N/A | 12 |
| Newly Licensed | 5 | N/A |
| Newlyweds | 5 | N/A |
| Occasional Operator | N/A | x |
| Occupation | 10 | N/A |
| Paperless/Auto Billing | x | 3 |
| Passive Restraint | x | x |
| Recent Retirees | 4 | N/A |
| Safe Driver | N/A | 12 |
| Senior Driver | N/A | x |
| Students & Alumni | 10 | N/A |
| Switching Provider | 10 | N/A |
| Vehicle Recovery | 35 | x |
| VIN Etching | 5 | x |
| Young Driver | x | $75 |
Although both companies offer many of the same discounts, there are some differences. For example, Liberty Mutual offers a homeowner discount, and USAA doesn’t. On the other hand, USAA offers a loyalty discount, and Liberty Mutual does not.
As you compare Liberty Mutual vs. USAA auto insurance quotes, ask for all discounts available to you.
How do Liberty Mutual and USAA compare in financial strength and customer satisfaction?
A.M. Best ranks the financial stability of insurance companies. Liberty Mutual received an A rating, showing it has an excellent ability to meet its financial obligations. USAA received an A++, meaning it has a superior ability to meet obligations.
Liberty Mutual and USAA also have similar Better Business Bureau (BBB) ratings. Liberty Mutual received an A+ rating and is accredited. USAA received an A- rating and is not accredited.
J.D. Power ranks companies on customer satisfaction using factors like prices, billing, claims, and what products are offered. In most regions, Liberty Mutual received an at or below-average ranking, while USAA received an above-average ranking.
The companies have other similarities, too. Each company offers an easy-to-use website and mobile app that allows customers to access their accounts at any time. While you are on the websites, you can also compare Liberty Mutual vs. USAA home insurance or other product quotes.
Liberty Mutual and USAA also offer additional services, such as roadside assistance.
To learn more about each company, read our Liberty Mutual review and our USAA insurance review.
Deciding whether to buy Liberty Mutual vs. USAA auto insurance can be difficult. Compare the pros and cons of each company by looking at rates, discounts, and ratings to see if either is best for you. You can also compare other companies to see who can offer you the best deal.
Now that you’ve compared Liberty Mutual vs. USAA auto insurance, enter your ZIP code to compare quotes from multiple companies near you for free.