Liberty Mutual vs. USAA Auto Insurance [2023]
Liberty Mutual and USAA offer auto insurance to customers of various ages, but comparing Liberty Mutual vs. USAA auto insurance will help you find the best fit for you. While Liberty Mutual is available to everyone, USAA is only available to current and former military members.
Free Auto Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Mar 14, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Mar 14, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- USAA offers lower rates than Liberty Mutual
- USAA has better financial ratings than Liberty Mutual
- Liberty Mutual has fewer complaints than USAA
Liberty Mutual vs. 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.
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.
| Ages | Liberty Mutual Average Annual Rates | USAA 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 |
As you can see, USAA offers lower rates than Liberty Mutual, and rates decrease as drivers age.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
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 USAA vs. Liberty Mutual 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
USAA and Liberty Mutual 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.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
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 services
- Tire replacement
- Gas delivery
Liberty Mutual includes roadside assistance coverages 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 roadside service separately, but it’s only available to those with existing coverage. This includes flat tire change, vehicle towing, lockout services, battery jump start, and gasoline delivery.
Customers can choose to add the emergency roadside assistance program to their policy when purchasing car insurance coverage or later. There are some additional discounts associated with adding this service, however you’ll need to speak with a representative to get more information.
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.
Purchasing roadside assistance from USAA will cost $1 to $1.25 per month, but you must have an active policy to buy the emergency plan.
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.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
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.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.