Liberty Mutual vs. USAA: Best Auto Insurance for 2021

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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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: Jun 23, 2021

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Can't-Miss Facts

  • 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.

Liberty Mutual vs. USAA Average Annual Rates Based on Age, Gender, and Marital Status
Age, Gender, and Marital StatusLiberty Mutual Average Annual RatesUSAA 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
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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.

Liberty Mutual vs. USAA Average Annual Rates Based on Driving Record
Driving RecordLiberty Mutual Average Annual RatesUSAA 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
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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.

Liberty Mutual vs. USAA Average Annual Rates Based on Credit History
Credit HistoryLiberty Mutual Average Annual RatesUSAA Average Annual Rates
Good$4,388.18$1,821.20
Fair$5,604.24$2,219.83
Poor$8,802.22$3,690.73
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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.

Liberty Mutual vs. USAA Auto Insurance Discounts
Auto Insurance DiscountsLiberty Mutual (%)USAA (%)
Adaptive Cruise Control5N/A
Adaptive Headlights5N/A
Anti-lock Brakes5x
Anti-Theft20x
Claim Freex12
Daytime Running Lights5x
Defensive Driver103
Distant StudentN/Ax
Driver's Ed103
Driving Device/App305
Early SigningN/A12
Electronic Stability Control5N/A
Family LegacyN/A10
Federal Employee10N/A
Forward Collision Warning5N/A
Full Payment$5N/A
Further Education10N/A
Garaging/StoringN/A90
Good Student22.53
Green Vehicle10N/A
HomeownerxN/A
Lane Departure WarningxN/A
Low Mileagexx
LoyaltyN/Ax
Marriedxx
Membership/Group10N/A
Military4x
Military GaragingN/A15
Multiple Policies20x
Multiple Vehicles10x
New Address5N/A
New Customer/New PlanxN/A
New Graduate5N/A
Newer VehicleN/A12
Newly Licensed5N/A
Newlyweds5N/A
Occasional OperatorN/Ax
Occupation10N/A
Paperless/Auto Billingx3
Passive Restraintxx
Recent Retirees4N/A
Safe DriverN/A12
Senior DriverN/Ax
Students & Alumni10N/A
Switching Provider10N/A
Vehicle Recovery35x
VIN Etching5x
Young Driverx$75
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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.

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