Farmers vs. Liberty Mutual Auto Insurance (2021)
When it comes to Farmers vs. Liberty Mutual, Farmer auto insurance is cheaper in every category. Both companies have an A+ rating by the BBB and an A rating from A.M. Best. Farmers scores about average on customer satisfaction and Liberty Mutual scores below average. When looking at rates, make sure to take into consideration Liberty Mutual and Farmers car insurance discounts that may be available to you.
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UPDATED: May 2, 2021
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- Farmers car insurance rates on average are cheaper than Liberty Mutual
- Both companies score an A+ by the BBB and an A in financial ratings
- Farmers scores about average in customer satisfaction and Liberty Mutual scores below average in most regions
In our Farmers vs. Liberty Mutual auto insurance guide, we compare auto insurance rates by age, driving record, and credit score. We also compare available discounts and ratings from agencies with a credible and trustworthy view of auto insurance companies.
Compare rates, discounts, financial ratings, and customer satisfaction to determine if either is right for you.
However, you don’t have to just compare Farmers vs. Liberty Mutual to find the best company. Enter your ZIP code to receive free quotes from multiple companies near you today.
Not sure if you’re ready to buy Farmers auto insurance or buy Liberty Mutual auto insurance? Read on to learn more.
Is Farmers car insurance or Liberty Mutual car insurance cheaper?
There are many factors that determine your car insurance rates. Companies look at your age, gender, marital status driving record, and credit history to calculate your rates.
These factors are just a few that determine how affordable Farmers vs. Liberty Mutual car insurance is for you.
First, let’s look at Farmers vs. Liberty Mutual car insurance rates based on your demographics. This table shows you the rates for each company based on your age, gender, and marital status.
Farmers vs. Liberty Mutual Average Annual Auto Insurance Rates Based on Age, Gender, and Marital Status
|Age, Gender, and Marital Status||Farmers Average Annual Rates||Liberty Mutual Average Annual Rates|
|Single 17-year-old female||$8,666.24||$9,875.56|
|Single 17-year-old male||$9,202.06||$12,181.54|
|Single 25-year-old female||$2,672.81||$3,287.35|
|Single 25-year old male||$2,791.21||$3,502.13|
|Married 35-year-old female||$2,316.82||$3,085.88|
|Married 35-year-old male||$2,306.44||$3,179.88|
|Married 60-year-old female||$2,117.42||$2,706.04|
|Married 60-year-old male||$2,179.61||$3,088.10|
It is easier to find affordable Farmers auto insurance, no matter your age, gender, or marital status.
One of the most important factors that car insurance companies look at is your driving record. Accidents, speeding tickets, and DUIs can cause your auto insurance rates to skyrocket.
|Driving Record||Farmers Average Annual Rates||Liberty Mutual Average Annual Rates|
|With 1 accident||$4,518.73||$6,204.78|
|With 1 DUI||$4,718.75||$7,613.48|
|With 1 speeding violation||$4,079.01||$5,701.26|
Liberty Mutual is significantly more expensive than Farmers for all driving records.
It might surprise you to learn that insurers also look at your credit score. Car insurance companies believe you are less likely to file a claim and more willing to pay for damages out of pocket if you have a higher credit score.
|Credit History||Farmers Average Annual Rates||Liberty Mutual Average Annual Rates|
Yet again, Farmers auto insurance quotes are the cheapest option, no matter your credit score. Liberty Mutual is expensive by comparison. Is Liberty Mutual better than Farmers insurance? You must be the judge.
It’s also important to note that some states, like California, no longer allow car insurance companies to use your credit score to calculate your rates.
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Does Farmers or Liberty Mutual have better car insurance discounts?
One way to get affordable Liberty Mutual auto insurance quotes is through discounts. Car insurance discounts are a great way to lower your rates. Common discounts offered by most auto insurance companies include multi-vehicle, multi-policy, and occupation discounts.
This table shows you the Liberty Mutual and Farmers insurance discounts offered. If the amount of the discount is known, it is listed. Take a look to see which company can offer you the most discounts.
|Car Insurance Discounts||Farmers (%)||Liberty Mutual (%)|
|Adaptive Cruise Control||N/A||5|
|Daytime Running Lights||x||5|
|Electronic Stability Control||x||5|
|Forward Collision Warning||N/A||5|
|Lane Departure Warning||N/A||x|
|New Customer/New Plan||N/A||x|
|Students & Alumni||N/A||10|
Both companies offer a lot of the same discounts. However, there are some differences. For example, Farmers offers a continuous coverage discount and Liberty Mutual doesn’t. On the other hand, Liberty Mutual offers a discount for being married and Farmers doesn’t.
Be sure to look closely at discounts from each company as you compare Farmers auto insurance rates vs. Liberty Mutual car insurance rates.
How does Farmers and Liberty Mutual compare in financial strength and customer satisfaction?
A.M. Best ranks companies based on how financially stable they are. Both Farmers and Liberty Mutual received an A rating, meaning they have an excellent ability to meet their obligations.
Both Farmers and Liberty Mutual are accredited with the Better Business Bureau and received A+ ratings.
Both companies were also ranked by J.D. Power for customer satisfaction on factors like what is offered, billing, price, and claims. Farmers insurance reviews ranked about average and Liberty Mutual reviews ranked slightly lower.
Both companies offer easy-to-use websites and mobile apps, allowing you to pay your bill and access your insurance information. You can also get a Farmers or Liberty Mutual quote on their respective websites.
Farmers auto insurance company and Liberty Mutual auto insurance company offer additional services like roadside assistance. The Farmers roadside assistance phone number is 1-800-435 -7764. You can Liberty Mutual roadside assistance at 1-800-426-9898.
Both companies offer other insurance coverage also, such as Farmers or Liberty Mutual homeowners insurance.
Is Farmers insurance a mutual company like Liberty Mutual? Yes, Farmers offers investment opportunities, but it may depend on what state you live in.
Is deciding to buy car insurance from Farmers vs. Liberty Mutual car a difficult decision? Weigh Farmers and Liberty Mutual’s pros and cons to determine if either company is right for you.
Once you’ve compared Farmers vs. Liberty Mutual car insurance, enter your ZIP code to get affordable auto insurance quotes from multiple companies near you.