Allstate vs. Liberty Mutual: Best Auto Insurance for 2024

This Allstate vs. Liberty Mutual auto insurance guide will provide a wide variety of auto insurance coverage options when analyzing rates according to your unique qualities like your age, gender, marital status, driving record, and credit score.

We also include external ratings from the most trustworthy agencies and compare Allstate and Liberty Mutual auto insurance discounts, coverage types, and usage-based insurance programs.

Continue reading to compare Allstate insurance and Liberty Mutual insurance, or enter your ZIP code to find affordable auto insurance rates from local companies in your area.

Allstate vs. Liberty Mutual Auto Insurance: which is cheaper based on age?

The older we get, the more practice we have while driving. In calculating auto insurance rates, providers use age as one of the most significant variables.

In most states, it is legal to base auto insurance premiums on marital status and gender; other states have banned it, however. Let’s compare auto insurance rates for Allstate and Liberty Mutual based on age, gender, and marital status.

Allstate vs. Liberty Mutual Average Annual Auto Insurance Rates by Age, Gender, and Marital Status

Age & Gender	Average Annual Rates	Average Annual Rates
Age: 17 Female	$9,282	$11,621
Age: 17 Male	$10,643.00	$13,719
Age: 25 Female	$3,425	$3,960
Age: 25 Male	$3,571.00	$4,503
Age: 35 Female	$3,156.00	$3,803
Age: 35 Male	$3,123.00	$3,857
Age: 60 Female	$2,913	$3,445
Age: 60 Male	$2,991.00	$3,681

For those 25 and older, Liberty Mutual car insurance rates are an average of 21 percent higher than Allstate car insurance rates.

Liberty Mutual is a better choice than Allstate if you have a teen driver.

You can save up to 27 percent by insuring your teen driver through Allstate compared to Liberty Mutual.

Read more:

• Farmers vs. Liberty Mutual: Best Auto Insurance
• Liberty Mutual vs. Nationwide: Best Auto Insurance
• GEICO vs. USAA: Best Auto Insurance
• Liberty Mutual vs. Travelers: Best Auto Insurance
• Liberty Mutual vs. USAA: Best Auto Insurance
• Allstate vs. Farmers: Best Auto Insurance
• Allstate Auto Insurance Review

Allstate vs. Liberty Mutual Auto Insurance: which is cheaper based on driving record?

No matter what auto insurance company you use, speeding tickets, auto accidents, or DUIs on your driving record will increase your auto insurance premiums and you become a higher risk driver.

Allstate vs. Liberty Mutual Average Annual Auto Insurance Rates by Driving Record

Driving Record	Average Annual Rates	Average Annual Rates
Clean record	$3,820	$4,774
With one speeding violation	$4,484	$5,701
With one accident	$4,988	$6,205
With one DUI	$6,261	$7,613

Both Liberty Mutual and Allstate take infractions seriously. Allstate car insurance rates increase by 17 to 63 percent as you rack up speeding tickets, cause accidents, or drive under the influence.

Liberty Mutual car insurance rates for those with a driving record are just a bit lower but not enough to really make a huge difference when choosing between the two companies. Liberty Mutual rates increase by only 19 to 59 percent.

So, it doesn’t matter which company you choose: Allstate or Liberty Mutual. Your rates with a bad driving record will be just as high with either company; however, Liberty Mutual is a few percentage points lower, and that can make a difference.

Allstate vs. Liberty Mutual Auto Insurance: which is cheaper based on credit score?

If you undergo some sort of financial trauma, such as incurring medical debt or going through a divorce, a good credit score will drop in a matter of months. It is legal for auto insurance providers to base premiums on your credit score in most states; however, some outlaw it along with gender and marital status dependent rates.

Auto insurance providers justify using your credit score to decide your rates because of the premise that people with higher credit scores are more responsible and that, overall, are less likely to file a claim.

Let’s take a look at how Allstate and Liberty Mutual consider your rates based on your credit score.

Allstate vs. Liberty Mutual Average Annual Auto Insurance Rates by Credit Score

Credit History Summary	Average Annual Rates	Average Annual Rates
Good Credit (670-739)	$3,860	$4,388
Fair Credit Score (580-669)	$4,581	$5,604
Poor Credit Score (300-579)	$6,491	$8,802

With that said, Allstate is more lenient than Liberty Mutual on those with fair or poor credit. Drivers with fair or poor credit will pay higher rates with Allstate (19 to 68 percent more), but, if you choose Liberty Mutual and you have a poor credit score, expect your rates to be at least double that of drivers with good credit.

If you have a credit score on the lower end, Allstate is the better choice.

Before you judge the rates of these two companies based on credit score alone, learn about the specifications of your state’s minimum car insurance requirements and compare rates from a number of companies. Hopefully, if you have bad credit, you live in a state that has outlawed basing rates on credit scores.

Does Allstate or Liberty Mutual have better auto insurance discounts?

Discounts from car insurance providers vary widely, and they are typically focused on the principles and ideology of a company. That’s why, particularly if you have a poor driving record or a low credit score, it pays to shop around. Discounts can help counter high costs.

Allstate vs. Liberty Mutual Company Auto Insurance Discounts

Allstate has 24 car insurance discounts, and Liberty Mutual has 28 discounts.

The highest discount you can get with Liberty Mutual is 35 percent, and that is for having a vehicle recovery system. Allstate offers three discounts between 30 and 35 percent, and those are for having air bags, being claim-free, and being a distant student.

The discounts provided by auto insurance providers also target particular categories of drivers, so be sure to inquire if there are any extra discounts when you get your Liberty Mutual and Allstate quotes.

What types of auto insurance coverages are offered by Allstate and Liberty Mutual?

Since both Allstate and Liberty Mutual are two of the 10 companies that make up the majority of the auto insurance market share, they have the means to provide a broader range of coverages for auto insurance that go beyond the six standard coverages mentioned below. Before buying each one, make sure you understand your options in auto insurance coverage.

• Liability auto insurance coverage – bodily injury and property damage
• Comprehensive auto insurance coverage
• Collision auto insurance coverage
• Uninsured/Underinsured auto insurance coverage
• Medical Payments (MedPay) auto insurance coverage – particularly important in states that require no-fault auto insurance
• Personal Injury Protection (PIP) auto insurance coverage

Be sure to take a closer look at any specialty coverages such as rental reimbursement, roadside assistance, guaranteed auto protection (GAP), mechanical breakdown, and recreational vehicles such as ATVs or boats.

Does Allstate or Liberty Mutual have better auto insurance mobile apps?

In the last decade or so, usage-based auto insurance has become an individualized standard, and all of the larger auto insurance providers have a driving app you can install into your car or uses telematic mechanisms in your smartphone.

A more general app is also offered by major auto insurance providers to allow you to access your policy, make adjustments, and pay your bill. In both the general app and the driving app, your Allstate login or Liberty Mutual insurance login would be the same.

If you do not wish to use the app, you can always call the Allstate or Liberty Mutual phone number to speak with an agent.

Read more about each of these companies’ usage-based auto insurance programs in our Allstate auto insurance review and our Liberty Mutual auto insurance review.

How do Allstate and Liberty Mutual auto insurance compare in financial strength and customer satisfaction?

It is a major financial commitment to buy car insurance, so you want to be sure you are choosing the right company that will have your back when you need it.

Before you make your decision, the financial strength of a company, consumer satisfaction with the claims process, and customer concerns should all be considered.

Insight into these factors is provided by the following three agencies:

A.M. Best scores companies based on their ability to meet their ongoing insurance obligations such as balancing premiums collected and claims paid. The highest score A.M. Best is Superior A++.

https://www.consumerreports.org/cro/index.htm collects annual data from its subscribers regarding customer satisfaction of the Allstate claims process and the Liberty Mutual claims process, step by step. In their 2017 survey, 27 insurance companies were rated, and scores ranged between 86 to 96.

And the National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers against the total number of complaints.

In 2017, the national average complaint ratio was 1. The lower the ratio, the better.

Let’s take a closer look at ratings from credible third-party agencies for Allstate and Liberty Mutual.

Allstate vs. Liberty Mutual Company Ratings

Insurance Company	Ratings	Ratings
AM Best	A+ (Excellent)	A (Excellent)
Consumer Reports	88	88
NAIC Complaint Ratio	0.5 (total of 163 complaints)	5.95 (total of 222 complaints)

Both Allstate and Liberty Mutual are highly competitive in keeping customer satisfaction through the claims process high. The financial future of both companies is strong.

However, Liberty Mutual customer service has a higher complaint ratio. Before choosing Liberty Mutual, be sure to get more details on the NAIC website.

Ready to buy auto insurance? When you’re not sure which company to choose, you can always use our FREE comparison tool to compare auto insurance quotes from the auto insurance companies in your area.