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

  • USAA offers lower rates than Liberty Mutual
  • USAA has better financial ratings than Liberty Mutual
  • Liberty Mutual has fewer complaints than USAA

Liberty Mutual and USAA offer various auto insurance coverages to customers throughout the United States. USAA provides lower rates and better financial ratings, but coverage is only offered to current and former military members, whereas Liberty Mutual is available to everyone.

Comparing Liberty Mutual vs. USAA auto insurance will help you make the right decision.

Before starting this Liberty Mutual vs. USAA auto insurance comparison, enter your ZIP code to find the best auto insurance quotes from providers in your area.

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

Comparing affordable Liberty Mutual vs. USAA auto insurance rates will help you find the most cost-effective option. The following chart shows the average annual Liberty Mutual and USAA auto insurance quotes based on age.

Liberty Mutual vs. USAA Auto Insurance: Average Annual Rates by Age
AgesLiberty Mutual Average Annual RatesUSAA Average Annual Rates
20$2,686$1,438
30$1,942$1,438
40$1,926$1,189
50$1,793$1,160
60$1,746$1,065

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As you can see, USAA offers lower rates than Liberty Mutual, and rates decrease as drivers age.

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

Liberty Mutual and USAA offer a variety of auto insurance coverages. Customers can bundle these options to create the policy that best fits their needs.

Coverages offered by Liberty Mutual and USAA include:

  • Bodily injury liability
  • Property damage liability
  • Collision
  • Comprehensive
  • Medical payments
  • Personal injury protection
  • Uninsured/underinsured motorist
  • Roadside assistance
  • Rental car reimbursement
  • Rideshare insurance

In addition to the basic coverages, Liberty Mutual also offers teachers’ auto insurance and Mexico auto insurance.

Teachers’ auto insurance protects educators should they suffer vandalism or stolen school supplies. Mexico auto insurance protects drivers that cross the border in their vehicle.

Additional auto insurance offered by USAA includes glass coverage and car replacement assistance.

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

Most auto insurance companies offer discounts to customers. Comparing Liberty Mutual vs. USAA auto insurance company discounts will help you determine which company provides the most savings.

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 USAA auto insurance include:

  • Multi-car
  • Home and car
  • Car and life
  • Anti-lock brakes
  • Anti-theft
  • Good driver
  • Good student
  • Military

Liberty Mutual and USAA offer more discount opportunities than most competitors.

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

Credit rating agencies review insurance companies and provide ratings based on their financial strength. These financial ratings determine the likelihood that the company will provide a payout when you file a claim.

Liberty Mutual and USAA have been rated by A.M. Best, Moody’s, and Standard and Poor’s (S&P).

Liberty Mutual has been rated an A by A.M. Best and S&P and an A2 by Moody’s. While all three ratings are solid, they aren’t the highest on the scales.

USAA insurance has been rated an A+ by A.M. Best and S&P and an A1 by Moody’s. These ratings are among the highest in the industry.

Though USAA has higher ratings than Liberty Mutual, both companies are financially strong enough to provide a payout in most situations.

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Liberty Mutual vs. USAA Auto Insurance: Do they have any complaints?

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) list customer complaints on their websites. The organizations have received complaints about Liberty Mutual and USAA.

Comparing Liberty Mutual vs. USAA auto insurance complaints will allow you to determine the quality of service each company provides.

At the time of this comparison, the BBB has received 1,040 complaints about Liberty Mutual. The NAIC has given Liberty Mutual a complaint index ratio of 2.23, indicating more complaints than the average competitor.

The BBB has received 1,646 complaints about USAA over the past three years. According to the NAIC, the company has a complaint index ratio of 2.39, similar to Liberty Mutual.

While Liberty Mutual and USAA have received more complaints than the average competitor, examining the individual complaints will help you determine if this is cause for concern.

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

Liberty Mutual and USAA both offer roadside assistance to customers. However, the eligibility requirements depend on the company.

Roadside assistance services offered by Liberty Mutual and USAA auto insurance include:

  • Towing
  • Tire replacement
  • Gas delivery

Liberty Mutual includes roadside assistance with comprehensive and collision coverage. Those without this coverage can purchase the Towing and Labor plan to get access to roadside assistance.

USAA doesn’t include roadside assistance with any auto insurance coverages. Customers can purchase the service separately, but it’s only available to those with existing coverage.

Policyholders can request roadside assistance by calling the Liberty Mutual insurance phone number at (800) 426-9898 or the USAA roadside assistance number at (800) 531-8555.

When looking at Liberty Mutual vs. USAA auto insurance quotes, remember that this coverage will impact the total cost.

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

Liberty Mutual and USAA have mobile apps. Customers can use their USAA or Liberty Mutual login information to access ID cards, view policy details, and make payments.

Customers that prefer to pay over the phone can call the Liberty Mutual customer service number at (800) 824-7317 or USAA customer service at (800) 531-8722.

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

Every insurance company has pros and cons to consider. Comparing Liberty Mutual and USAA positives and negatives can help you decide between the two companies.

Liberty Mutual offers a variety of coverages, allowing policyholders to customize a policy to suit their needs. Bundling the company’s various types of insurance, such as life, homeowners, and motorcycle insurance will save you money.

The primary negative for Liberty Mutual is the company’s high number of complaints, which indicates low customer satisfaction.

USAA offers competitive rates, but its complaint ratio is only a little better than Liberty Mutual’s. Also, remember that the company only provides insurance for current and former military members and their families.

Liberty Mutual vs. USAA Auto Insurance: The Bottom Line

So, which should you choose when looking to buy Liberty Mutual vs. USAA auto insurance? The answer depends on your personal preferences. USAA has lower rates and higher financial ratings, but Liberty Mutual is available to more customers.

Comparing Liberty Mutual vs. USAA auto insurance will help you determine the right fit for you and your family.

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