Liberty Mutual vs. USAA Auto Insurance Review 2024 (Compare Their Ratings)
Liberty Mutual vs. USAA auto insurance comparison shows USAA's lower average rate of $116 per month, compared to Liberty Mutual's $226. Comparing Liberty Mutual and USAA auto insurance quotes reveals which provider offers better value through lower rates, customer satisfaction, and coverage options.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Nov 4, 2024
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Liberty Mutual vs. USAA is a crucial comparison for anyone seeking affordable and reliable auto insurance. USAA often stands out as the cheaper option and excels in customer satisfaction, particularly benefiting military members, veterans, and their families.
On the other hand, Liberty Mutual, though generally more expensive, offers a broad range of auto insurance coverage options and discounts, including those for veterans.
While USAA typically provides lower rates and higher satisfaction, Liberty Mutual’s diverse offerings and discounts can be advantageous for those who do not qualify for USAA or need additional coverage options.
To make the best choice, consider your eligibility for USAA’s military-specific benefits and evaluate how each company’s rates and services align with your needs.
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.
- USAA offers lower rates and higher satisfaction for military families
- Liberty Mutual has more discounts and coverage options but is pricier
- Liberty Mutual vs. USAA comparison shows that USAA is cheaper and better rated
Liberty Mutual Auto Insurance vs. USAA Auto Insurance Rates
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.
For instance, you might find cheap bad driving record auto insurance or see how your credit score affects car insurance premiums can significantly influence 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: Full Coverage Auto Insurance Monthly Rates by Age & Gender
| Age & Gender | Liberty Mutual | USAA |
|---|---|---|
| Age: 17 Female | $823 | $391 |
| Age: 17 Male | $1,015 | $435 |
| Age: 25 Female | $274 | $159 |
| Age: 25 Male | $292 | $177 |
| Age: 35 Female | $257 | $124 |
| Age: 35 Male | $265 | $124 |
| Age: 60 Female | $226 | $116 |
| Age: 60 Male | $257 | $117 |
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: Full Coverage Auto Insurance Monthly Rates by Driving Record
| Record | Liberty Mutual | USAA |
|---|---|---|
| Clean Record | $398 | $161 |
| One Accident | $517 | $210 |
| One DUI | $634 | $292 |
| One Ticket | $475 | $183 |
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: Full Coverage Auto Insurance Monthly Rates by Credit History
| History | Liberty Mutual | USAA |
|---|---|---|
| Good | $366 | $152 |
| Fair | $467 | $185 |
| Poor | $734 | $308 |
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. For insights on how this might affect you, check the best and worst credit scores by state.
Furthermore, when comparing Liberty Mutual auto insurance and USAA auto insurance, it’s important to understand what makes their prices different and what value they provide. USAA auto insurance is well-known for being affordable, especially for military members, veterans, and their families.
However, some people might look for auto insurance options cheaper than USAA because they don’t qualify for USAA or need something different. Liberty Mutual auto insurance is a good alternative, offering various discounts and options that can save you money.
To figure out which is better for you, it’s smart to get USAA auto insurance quotes and a Liberty Mutual auto insurance quote and compare them. This will help you see which company offers the best rates based on your situation, like your driving history, where you live, and what kind of coverage you need.
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Liberty Mutual vs. USAA Auto Insurance Discounts Comparison
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 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 homeowners insurance 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.
Moreover, when comparing Liberty Mutual vs. USAA for auto insurance discounts, it’s important to see what each company offers. USAA auto insurance is well-known for giving many discounts that fit different ages and driving habits.
For instance, USAA auto insurance for 25-year-olds usually has lower rates because this age group is seen as less risky. Plus, you can save more with USAA auto insurance discounts, including those for safe driving and bundling car insurance and renters insurance.
USAA auto insurance discounts for seniors offer great savings for older drivers, and the USAA low-mileage auto insurance discount is ideal for people who don’t drive much, helping them lower their premiums.
On the other hand, Liberty Mutual also offers competitive prices and a wide range of discounts, making them a strong competitor in the Liberty Mutual vs. USAA comparison.
When looking at prices for Liberty Mutual Insurance, it’s key to check out the different discounts they provide, such as those for bundling home and auto policies, safe driving, and adding safety features to your car.
While USAA is highly rated for its customer service and discounts, Liberty Mutual’s ranking in the insurance industry is also solid, making it a good choice for people who might not qualify for USAA.
If you’re looking for recommendations for Liberty Mutual auto insurance, checking out their discount programs can lead to big savings, making Liberty Mutual a strong alternative to USAA for affordable and complete coverage.
Liberty Mutual and USAA 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.
USAA and Liberty Mutual are easily recognized for their car insurance commercials. However, choosing a provider requires more research than basing a decision on television advertisements. Let’s compare them: https://t.co/SrwJ16Tpec #personalfinance pic.twitter.com/u4qstFE9IG
— Kelley Blue Book (@KelleyBlueBook) January 11, 2022
In addition, when comparing Liberty Mutual vs. USAA for financial strength and customer satisfaction, both have strong points but serve different groups. USAA auto insurance is known for its solid financial health, as shown by USAA’s A.M. Best rating, which is consistently high.
This means USAA is financially stable and can handle its insurance commitments well. To get a personalized quote, you can use the auto insurance calculator for USAA, which helps estimate your premium based on your details. USAA auto insurance agents are highly rated for their helpful service, assisting customers with their insurance needs.
The USAA auto insurance company code number is used for tracking and handling claims. Overall, USAA auto insurance reviews show high satisfaction, especially for customer service and claims processing.
Liberty Mutual vs. USAA Auto Insurance: Key Differences and Benefits
When evaluating Liberty Mutual vs. USAA for auto insurance, there are notable differences that could influence your decision. USAA is typically the cheaper option compared to Liberty Mutual is expensive.
In addition, USAA consistently receives high ratings in USAA customer satisfaction rating and USAA insurance ranking, which reflects its strong performance in both financial stability and customer service.
One of the benefits of USAA is its excellent USAA roadside assistance, which adds extra value for policyholders. USAA auto insurance for veterans is particularly advantageous for those who qualify, providing tailored benefits that cater specifically to veterans.
USAA is usually the better choice for military families and veterans due to its lower rates and higher customer satisfaction compared to Liberty Mutual.
Tim Bain Licensed Insurance Agent
In contrast, while Liberty Mutual offers a range of coverage options and various discounts, including the Liberty Mutual offers a veterans discount, it generally comes with higher costs.
The pros and cons of Liberty Mutual reveal that although it provides comprehensive and collision coverage and multiple discount opportunities, the overall premiums are often higher than those of USAA.
Thus, while Liberty Mutual may appeal to those seeking diverse coverage options and discounts, USAA is often the better choice for military families and veterans who prioritize affordability and high customer satisfaction.
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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Frequently Asked Questions
Does USAA offer price matching for auto insurance?
Does USAA provide local insurance agents?
USAA primarily offers insurance services through their online platform and phone support, rather than local insurance agents. Their services are designed to be accessible nationwide, focusing on digital and telephone customer support.
Does USAA use credit scores for insurance?
Yes, USAA uses credit scores to help determine insurance rates. A higher credit score may lead to lower premiums, while a lower credit score could result in higher rates. For more details on this, consider how it affects your insurance policy premiums. However, some states have regulations that limit or prohibit the use of credit scores for determining auto insurance rates.
Are USAA and Liberty Mutual the same company?
No, USAA and Liberty Mutual are not the same company. USAA is specifically focused on serving military members, veterans, and their families, while Liberty Mutual is a broader insurance provider serving a general audience.
How does USAA determine auto insurance rates?
USAA determines auto insurance rates based on factors such as your driving record, credit score, age, and vehicle type. A higher credit score and a clean driving record can lead to lower premiums.
Does USAA offer a discount for good students?
Yes, USAA offers good student discounts. Young drivers who maintain a high GPA may qualify for a discount on their auto insurance premiums as part of USAA’s efforts to reward safe and responsible behavior.
Are there any specific discounts offered by Liberty Mutual that are not available with USAA?
Liberty Mutual offers some discounts that USAA does not, such as a homeowner discount and a discount for adding safety features to your vehicle. These can contribute to lower premiums for eligible policyholders.
Can I get an auto insurance quote from USAA without being a member?
USAA requires membership to get a quote for their auto insurance. Membership is typically limited to military personnel, veterans, and their families. Non-members are not eligible for USAA’s insurance products.
What are the benefits of USAA’s auto insurance for military families?
USAA offers specialized benefits for military families, including lower rates, tailored coverage options, and additional discounts. This makes it a strong choice for military members and their families seeking affordable and comprehensive auto insurance. For specialized coverage, military auto insurance might offer additional benefits tailored to your needs.
Can I bundle auto insurance with other policies through Liberty Mutual?
Yes, Liberty Mutual offers bundling discounts when you combine auto insurance with other policies, such as home or renters insurance. This can result in lower premiums and more comprehensive coverage.
How does Liberty Mutual’s coverage compare to USAA’s?
Liberty Mutual provides a wide range of coverage options, including some that may not be available with USAA. Liberty Mutual’s policies can be more customizable, whereas USAA offers coverage that is particularly suited for military families.
Does USAA offer any special programs for young drivers?
Yes, USAA offers programs and discounts for young drivers, including a good student discount. This helps reduce premiums for young drivers who maintain high academic standards. For those seeking affordable options, cheap car insurance for young drivers can be particularly beneficial.
What should I consider when choosing between Liberty Mutual and USAA?
Consider factors such as your eligibility for USAA’s military-specific benefits, the coverage options each company offers, and the discounts available. Additionally, compare overall costs and customer satisfaction ratings to make an informed decision. Explore your auto insurance options by entering your ZIP code into our free comparison tool below today.
How often should I compare auto insurance quotes from different providers?
It’s a good idea to compare auto insurance quotes annually or whenever you experience significant life changes, such as moving or getting a new vehicle. This ensures you are getting the best rates and coverage options available.
Does USAA provide roadside assistance services?
Yes, USAA includes roadside assistance as part of their auto insurance coverage. This service helps with emergencies like flat tires, dead batteries, and towing, adding extra value to their policies.