Liberty Mutual vs State Farm - Which Car Insurance is Cheaper?

Liberty Mutual and State Farm are both solid car insurance companies, but what do consumers have to say about each company? With all the flashy advertising done by insurance companies, it's easy to overlook the real experiences of consumers with these companies.

Quickly compare rates from top auto insurance companies like Liberty Mutual and State Farm to find the cheapest rate!

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Consumers can find the lowest rates in their area by comparing multiple quotes from insurance companies in your state.

Liberty Mutual and State Farm Consumer Ratings

  Liberty Mutual Ratings State Farm Ratings
Policy Offerings Liberty Mutual Policy Offerings State Farm Policy Offerings
Pricing Liberty Mutual Pricing State Farm Pricing
Billing and Payment Liberty Mutual Billing State Farm Billing
Contacting the Insurer Liberty Mutual Support State Farm Support
Overall Satisfaction Liberty Mutual Satisfaction State Farm Satisfaction
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Data source: J.D.Power 2011 National Auto Insurance Study

Liberty Mutual scored the same as State Farm on policy offerings. Policy offerings compares the different types of coverages available from each car insurance company. The more coverages you can choose from means you can get an insurance program that is more tailored to your specific needs.

Liberty Mutual and State Farm Price Comparison

Consumers often compare car insurance based solely on price, and Liberty Mutual came in rated similar to State Farm on pricing. Liberty Mutual will not always have identical prices on car insurance than State Farm, however. Finding the best car insurance rate depends entirely upon comparing both Liberty Mutual and State Farm car insurance rates.

Liberty Mutual vs State Farm - Which Car Insurance is Cheaper?

Since different companies rate drivers in different ways, you need to get a car insurance comparison quote now to find out which company offers the lowest rates in your area. It may be Liberty Mutual or State Farm, or possibly even a different company.

Policyholders felt that Liberty Mutual was pretty equal to State Farm when it came to payment and billing.

Having multiple contact methods is important in case of a claim or when you need a coverage review. Polled policyholders ranked Liberty Mutual lower than State Farm when it comes to being able to contact the company.

How to Choose the Best Company

Do more stars actually guarantee a better insurance experience? Liberty Mutual received a lower overall consumer rating as State Farm, but don't rely completely on ratings to make your car insurance buying decision.

Keys to Finding the Best Car Insurance

  • Every year, shop your car insurance coverage around to find the lowest rate
  • Make sure you compare apples-to-apples coverages
  • To reduce your annual premium, consider dropping full coverage on vehicles that no longer need it
  • If you have an independent insurance agent, have them compare rates with multiple companies