Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 21, 2021

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The Lowdown

  • State Farm has lower rates than Liberty Mutual
  • Liberty Mutual and State Farm are rated the same by A.M. Best
  • Liberty Mutual and State Farm offer a variety of discounts

Liberty Mutual and State Farm offer auto insurance for customers in all 50 states. State Farm has lower rates than Liberty Mutual, and they are rated the same by A.M. Best. Comparing Liberty Mutual vs. State Farm auto insurance will help you make the best choice.

Before comparing Liberty Mutual vs. State Farm auto insurance, enter your ZIP code to find the best auto insurance quotes in your area.

Liberty Mutual vs. State Farm Auto Insurance: What are their annual rates?

Comparing affordable Liberty Mutual vs. State Farm auto insurance rates will help you find a low-cost coverage option. The following chart shows the annual rates for Liberty Mutual and State Farm based on age.

Liberty Mutual vs. State Farm Auto Insurance: Average Annual Rates by Age
AgeLiberty Mutual Average Annual RatesState Farm Average Annual Rates
20$2,686$2,379
30$1,942$1,585
40$1,926$1,587
50$1,793$1,558
60$1,746$1,485
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As you can see, State Farm offers lower rates than Liberty Mutual, and rates decrease as drivers age.

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Liberty Mutual vs. State Farm Auto Insurance: What coverages are available?

Liberty Mutual and State Farm offer multiple coverages. Customers can combine these options to ensure they have coverage for any situation that might arise.

Coverages offered by Liberty Mutual and State Farm auto insurance include:

  • Bodily injury liability
  • Property damage liability
  • Personal injury protection
  • Uninsured/underinsured motorist
  • Medical payments
  • Collision
  • Comprehensive

Liberty Mutual and State Farm also offer rideshare insurance, which protects those driving for companies like Uber and Lyft.

Customers can also bundle their auto policy with other plans, such as home, boat, and motorcycle insurance.

Liberty Mutual vs. State Farm Auto Insurance: What discounts are available?

Most auto insurance companies offer various discounts, allowing customers to decrease their monthly rates. Comparing Liberty Mutual vs. State Farm auto insurance company discounts will help you determine how you can save the most.

Discounts offered by Liberty Mutual include:

  • Multi-car
  • Anti-lock brakes
  • Anti-theft
  • New car
  • Economy car
  • College graduate
  • Good student
  • Married

Discounts offered by State Farm include:

  • Good student
  • Multiple policies
  • Multiple vehicles
  • Anti-theft device
  • Airbags
  • Good driver
  • Driver training

Liberty Mutual and State Farm offer more discounts than many competitors, giving customers more opportunities to save.

Liberty Mutual vs. State Farm Auto Insurance: What are their financial ratings?

Credit rating agencies judge insurance companies based on financial strength. These financial ratings determine the likelihood that the company will provide a payout when a customer files a claim. Trusted credit rating agencies have examined Liberty Mutual and State Farm.

Liberty Mutual is rated an A by A.M. Best and S&P and an A2 by Moody’s. These ratings are solid and show that the company will provide a payout in most cases.

State Farm has been rated the same as Liberty Mutual by A.M. Best and Moody’s. However, the company’s rating of AA by S&P is slightly higher than Liberty Mutual’s rating.

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Liberty Mutual vs. State Farm Auto Insurance: Are there any complaints?

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) allow insurance customers to file complaints. Comparing Liberty Mutual vs. State Farm auto insurance complaints will help you determine the level of customer satisfaction you can expect.

At the time of this comparison, the BBB has received 1,040 complaints about Liberty Mutual over the past three years. According to the NAIC, Liberty Mutual has a complaint index rating of 2.23, more than double the average for a company of its size.

The BBB has received 1,350 complaints about State Farm over the past three years. The NAIC has given the company a 1.45 complaint index rating, indicating State Farm has more complaints than similarly-sized competitors.

While both companies have received customer complaints, reading through the individual grievances will help you determine the companies’ weaknesses.

Liberty Mutual vs. State Farm Auto Insurance: Do they offer roadside assistance?

Liberty Mutual and State Farm offer roadside assistance to customers that have purchased auto insurance. Those benefiting from this service can receive help with the following:

  • Towing
  • Battery service
  • Gas delivery
  • Flat tire repair
  • Locksmith

The companies provide the same roadside assistance services, but eligibility differs. Liberty Mutual offers this service to those with comprehensive and collision coverage. Those without it can add coverage through the Towing and Labor policy.

State Farm offers roadside assistance to all auto insurance customers as an add-on for $12 per year.

Both companies allow customers to request service through their mobile apps or by phone. Those requiring assistance can call the Liberty Mutual insurance phone number at (800) 426-9898 or State Farm at (877) 627-5757.

Adding this coverage to your policy can increase your Liberty Mutual vs. State Farm auto insurance quotes.

Liberty Mutual vs. State Farm Auto Insurance: How do you file a claim?

It’s essential to know how to file Liberty Mutual and State Farm claims before purchasing coverage. Both companies offer multiple ways to file claims, allowing customers to choose their preferred option.

Liberty Mutual allows customers to file claims online, in person, or by phone. Policyholders that prefer to file a claim by phone can call the Liberty Mutual customer service number at (800) 225-2467.

State Farm allows customers to file claims through the website, app, or by phone. You can reach the State Farm claims department by calling (800) 559-1922.

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Liberty Mutual vs. State Farm Auto Insurance: Do they have mobile apps?

Liberty Mutual and State Farm both offer mobile apps to customers. Entering your Liberty Mutual login or State Farm login allows you to access your digital ID card, request roadside assistance, view policy information, and make payments.

Liberty Mutual vs. State Farm Auto Insurance: What are their pros and cons?

Comparing the pros and cons of auto insurance companies can help potential customers find the right fit. Liberty Mutual and State Farm have similar positive and negative aspects.

Both companies have various insurance options, allowing customers to customize policies to fit their coverage needs. They also offer several discounts that make rates more affordable.

While both companies have solid financial ratings, they have both also received more complaints than similarly-sized competitors. The high number of complaints shows a lack of customer satisfaction.

Liberty Mutual vs. State Farm Auto Insurance: The Bottom Line

The decision about whether to buy Liberty Mutual vs. State Farm auto insurance depends on personal preference.

While the companies are rated the same by A.M. Best, State Farm offers lower rates. Comparing Liberty Mutual vs. State Farm auto insurance will help to determine the right choice for you.

Now that you’ve compared Liberty Mutual vs. State Farm auto insurance, enter your ZIP code to discover the top auto insurance rates in your area.