Allstate vs. Liberty Mutual: Best Car Insurance for 2021
When comparing Allstate vs. Liberty Mutual, you will find that Allstate offers lower rates. However, the rate difference between Allstate is minimal Liberty Mutual when based on most factors, including age, credit score, and driving record. Liberty Mutual also offers many more discounts than Allstate.
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Written by
Jessica Sautter
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Reviewed by
Chris Harrigan
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UPDATED: Jul 23, 2021
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- Liberty Mutual offers many more discounts than Allstate.
- Allstate offers 24/7 customer service, while Liberty Mutual’s is available Monday-Friday.
- Both companies have similar rates and financial ratings.
When looking through the best car insurance companies, you may have found yourself comparing Allstate vs. Liberty Mutual. Both companies are extremely well-known and offer plenty of great policies.
When looking to buy Allstate vs. Liberty Mutual car insurance, it is important to have plenty of information on both companies. Read our guide for all the information you need to make an informed decision. Compare rates by using our comparison tool.
Table of Contents
Allstate vs. Liberty Mutual: How to compare car insurance rates
While Allstate vs. Liberty Mutual car insurance rates are similar in some cases, they can differ based on many factors, including where you live, your credit score, and your age. See how the factors can affect your rates by reading the sections below.
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Which is cheapest by state?
The area in which you live can greatly affect your auto insurance rates, as you can see in the chart below.
| State | Allstate Average Annual Rates | Liberty Mutual Average Annual Rates |
|---|---|---|
| Alaska | $3,145.31 | $5,295.55 |
| Alabama | $3,311.52 | $4,005.48 |
| Arkansas | $5,150.03 | Data Not Available |
| Arizona | $4,904.10 | Data Not Available |
| California | $4,532.96 | $3,034.42 |
| Colorado | $5,537.17 | $2,797.74 |
| Connecticut | $5,831.60 | $7,282.87 |
| District of Columbia | $6,468.92 | Data Not Available |
| Delaware | $6,316.06 | $18,360.02 |
| Florida | $7,440.46 | $5,368.15 |
| Georgia | $4,210.70 | $10,053.44 |
| Hawaii | $2,173.49 | $3,189.55 |
| Iowa | $2,965.86 | $4,415.28 |
| Idaho | $4,088.76 | $2,301.51 |
| Illinois | $5,204.41 | $2,277.65 |
| Indiana | $3,978.81 | $5,781.35 |
| Kansas | $4,010.23 | $4,784.42 |
| Kentucky | $7,143.92 | $5,930.97 |
| Louisiana | $5,998.79 | Data Not Available |
| Maine | $3,675.59 | $4,331.39 |
| Maryland | $5,233.17 | $9,297.55 |
| Massachusetts | $2,708.53 | $4,339.35 |
| Michigan | $22,902.59 | $20,000.04 |
| Minnesota | $4,532.01 | $13,563.61 |
| Missouri | $4,096.15 | $4,518.67 |
| Mississippi | $4,942.11 | $4,455.94 |
| Montana | $4,672.10 | $1,326.11 |
| North Carolina | $7,190.43 | $2,182.71 |
| North Dakota | $4,669.31 | $12,852.83 |
| Nebraska | $3,198.83 | $6,241.52 |
| New Hampshire | $2,725.01 | $8,444.41 |
| New Jersey | $5,713.58 | $6,766.62 |
| New Mexico | $4,200.65 | Data Not Available |
| Nevada | $5,371.62 | $6,201.55 |
| New York | $4,740.97 | $6,540.73 |
| Ohio | $3,197.22 | $4,429.74 |
| Oklahoma | $3,718.62 | $6,874.62 |
| Oregon | $4,765.95 | $4,334.55 |
| Pennsylvania | $3,984.12 | $6,055.20 |
| Rhode Island | $4,959.45 | $6,184.12 |
| South Carolina | $3,903.43 | Data Not Available |
| South Dakota | $4,723.72 | $7,515.99 |
| Tennessee | $4,828.85 | $6,206.69 |
| Texas | $5,485.44 | Data Not Available |
| Utah | $3,566.42 | $4,327.76 |
| Virginia | $3,386.80 | Data Not Available |
| Vermont | $3,190.38 | $3,621.08 |
| Washington | $3,540.52 | $3,994.73 |
| West Virginia | $3,820.68 | $2,924.39 |
| Wisconsin | $4,854.41 | $6,758.85 |
| Wyoming | $4,373.93 | $1,989.36 |
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For both Allstate and Liberty Mutual Insurance, Michigan has the highest auto insurance rates. See more information on the insurance laws in your state by checking out the NAIC’s list of state insurance websites.
Which is cheapest by driving record?
Those with clean driving records can expect to pay some of the lowest auto insurance rates in most cases.
| Driving Record | Allstate Average Annual Rates | Liberty Mutual Average Annual Rates |
|---|---|---|
| Clean Driving Record | $3,819.90 | $4,774.30 |
| With 1 Speeding Violation | $4,483.51 | $5,701.26 |
| With 1 Accident | $4,987.68 | $6,204.78 |
| With 1 DUI | $6,260.73 | $7,613.48 |
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As you can see, a DUI can cause the greatest increase in auto insurance rates.
Which is cheapest by age and gender?
Both your age and gender might be factors when it comes to auto insurance rates.
| Age, Gender, and Marital Status | Allstate Average Annual Rates | Liberty Mutual Average Annual Rates |
|---|---|---|
| Married 60-year-old female | $2,913.37 | $3,445.00 |
| Married 60-year-old male | $2,990.64 | $3,680.53 |
| Married 35-year-old male | $3,123.01 | $3,856.84 |
| Married 35-year-old female | $3,156.09 | $3,802.77 |
| Single 25-year-old female | $3,424.87 | $3,959.67 |
| Single 25-year-old male | $3,570.93 | $4,503.13 |
| Single 17-year-old female | $9,282.19 | $11,621.01 |
| Single 17-year-old male | $10,642.53 | $13,718.69 |
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There are currently a few states in which it is illegal to base insurance rates on gender, including Hawaii, Massachusetts, Montana, Pennsylvania, and North Carolina.
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Which is cheapest by credit score?
As with most types of insurance, your credit score usually comes into play when determining rates.
| Credit History Summary | Allstate Average Annual Rates | Liberty Mutual Average Annual Rates |
|---|---|---|
| Good Credit (670-739) | $3,859.66 | $4,388.18 |
| Fair Credit Score (580-669) | $4,581.16 | $5,604.24 |
| Poor Credit Score (300-579) | $6,490.65 | $8,802.22 |
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As you can see, a good credit score could end up saving you over $1000 from both Allstate and Liberty Mutual.
Which is cheapest by coverage level?
Purchasing a higher coverage level usually means that you will end up paying more.
| Coverage Level Summary | Allstate Average Annual Rates | Liberty Mutual Average Annual Rates |
|---|---|---|
| Low Coverage Level (Depends on State) | $4,628.03 | $5,805.75 |
| Medium Coverage Level (50/100/50) | $4,896.81 | $6,058.57 |
| High Coverage Level (100/300/100) | $5,139.02 | $6,356.04 |
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Many people find it more beneficial to purchase more coverage, despite the higher price.
Allstate vs. Liberty Mutual: What are the customer satisfaction ratings?
Both Liberty Mutual Insurance and Allstate Insurance have good financial ratings and customer reviews. It’s also worth noting that Allstate has 24/7 customer service while Liberty Mutual customer service is only available Monday through Friday, 8am to 6pm ET.
Both companies also offer apps where you can pay bills, contact customer service, and more. A Liberty Mutual login can be created on their website.
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What are their financial ratings?
We collected reviews of Allstate and Liberty Mutual from top financial sites, which can be seen in the chart below.
| Agencies | Allstate Ratings | Liberty Mutual Ratings |
|---|---|---|
| AM Best | A+ (Excellent) | 'A' ('Excellent') |
| Better Business Bureau (Chicago, IL) | A+ | A+ |
| Moody's | A3 (Good) | A2 |
| S&P | AA- (Very Good) | A |
| Consumer Reports | 88 | 88 |
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As you can see, both companies received top ratings from all the financial rating sites listed above.
Allstate vs. Liberty Mutual: What car insurance coverage and options are available?
Allstate and Liberty Mutual both offer a variety of coverage options. It is important to determine which options will be most beneficial to you and your family.
What are their coverage options?
Check out a few of the coverage options offered by both companies in the chart below.
| Allstate Car Insurance Coverages | Liberty Mutual Car Insurance Coverages |
|---|---|
| Collision coverage | Bodily Injury Liability |
| Comprehensive coverage | Property Damage Liability |
| Bodily Injury Liability | Medical Payments coverage |
| Property Damage Liability | Collision coverage |
| Uninsured & Underinsured Motorist Coverage | Comprehensive coverage |
| Rental Reimbursement Coverage | Uninsured & Underinsured Motorist Coverage |
| Personal Umbrella Policy | Personal Injury Protection |
| Personal Injury Protection | GAP Coverage |
| Sound System Insurance | Rental Car Reimbursement |
| Roadside Assistance | Roadside Assistance |
| Classic Car Insurance | Accident Forgiveness |
| Travel Car Insurance to Mexico | - |
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For a full list of coverages offered by Allstate and Liberty Mutual as well as Allstate vs. Liberty Mutual car insurance quotes, is it best to speak with an agent in your area.
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What discounts do they offer?
When considering rates, it is important to remember that most auto insurance companies offer several discounts.
| Discounts | Allstate Discounts Offered | Liberty Mutual Discounts Offered |
|---|---|---|
| Adaptive Cruise Control | x | |
| Adaptive Headlights | x | |
| Anti-lock Brakes | x | x |
| Anti-Theft | x | x |
| Daytime Running Lights | x | x |
| Electronic Stability Control | x | x |
| Utility Vehicle | x | |
| Vehicle Recovery | x | x |
| VIN Etching | x | |
| Lane Departure Warning | x | |
| Newer Vehicle | x | |
| Green Vehicle | x | x |
| Forward Collision Warning | x | |
| Claim Free | x | x |
| Continuous Coverage | x | |
| Defensive Driver | x | x |
| Distant Student | x | |
| Driver's Ed | x | x |
| Driving Device/App | x | x |
| Early Signing | x | |
| Family Plan | ||
| Farm Vehicle | x | |
| Federal Employee | x | |
| Full Payment | x | x |
| Further Education | x | |
| Garaging/Storing | ||
| Good Student | x | x |
| Homeowner | x | |
| Life Insurance | x | |
| Low Mileage | x | x |
| Married | x | |
| Membership/Group | x | |
| Military | x | x |
| Multiple Policies | x | x |
| Multiple Vehicles | x | |
| New Address | x | |
| New Customer/New Plan | x | |
| New Graduate | x | |
| Newly Licensed | x | |
| Newlyweds | x | |
| Occupation | x | x |
| On Time Payments | x | |
| Paperless Documents | x | |
| Paperless/Auto Billing | x | x |
| Passive Restraint | x | x |
| Recent Retirees | x | |
| Safe Driver | x | |
| Senior Driver | x | |
| Students & Alumni | x | |
| Switching Provider | x | |
| Young Driver | x | |
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As you can see, Liberty Mutual offers many more discounts than Allstate Insurance. That being said, utilizing discounts is a great way to receive affordable Allstate vs. Liberty Mutual car insurance rates.
Allstate vs. Liberty Mutual: Which company is the best?
Determining the best auto insurance company comes down to your exact needs and wants, even when comparing Allstate vs. Liberty Mutual car insurance. If you are looking for lower rates, then Allstate Insurance comes out on top. That being said, rates from both companies are fairly similar in most situations.
Be sure to check out our Allstate Car Insurance Review as well as our Liberty Mutual Car Insurance Review for more information on both companies.
Now that you know more about Allstate vs. Liberty Mutual, you can make an informed decision between the two. Enter your ZIP code in our comparison box to compare rates from top companies.