Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

Full Bio →

Written by

Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

Full Bio →

Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Jul 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page 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.

Key Takeaways

  • 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.

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.

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

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.

Allstate vs. Liberty Mutual Average Annual Car Insurance Rates by State
StateAllstate Average Annual RatesLiberty Mutual Average Annual Rates
Alaska$3,145.31$5,295.55
Alabama$3,311.52$4,005.48
Arkansas$5,150.03Data Not Available
Arizona$4,904.10Data 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$6,468.92Data 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$5,998.79Data 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$4,200.65Data 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$3,903.43Data Not Available
South Dakota$4,723.72$7,515.99
Tennessee$4,828.85$6,206.69
Texas$5,485.44Data Not Available
Utah$3,566.42$4,327.76
Virginia$3,386.80Data 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
Get Your Rates Quote Now

Compare RatesStart Now →

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.

Allstate vs. Liberty Mutual Average Annual Car Insurance Rates by Driving Record
Driving Record Allstate Average Annual RatesLiberty 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
Get Your Rates Quote Now

Compare RatesStart Now →

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.

Allstate vs. Liberty Mutual Average Annual Car Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusAllstate Average Annual RatesLiberty 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
Get Your Rates Quote Now

Compare RatesStart Now →

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.

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Which is cheapest by credit score?

As with most types of insurance, your credit score usually comes into play when determining rates.

Allstate vs. Liberty Mutual Average Annual Car Insurance Rates by Credit Score
Credit History SummaryAllstate Average Annual RatesLiberty 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
Get Your Rates Quote Now

Compare RatesStart Now →

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.

Allstate vs. Liberty Mutual Average Annual Car Insurance Rates by Coverage Level
Coverage Level SummaryAllstate Average Annual RatesLiberty 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
Get Your Rates Quote Now

Compare RatesStart Now →

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.

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

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.

Allstate vs. Liberty Mutual Financial Strength and Credit Ratings
AgenciesAllstate RatingsLiberty Mutual Ratings
AM BestA+ (Excellent)'A' ('Excellent')
Better Business Bureau (Chicago, IL)A+A+
Moody'sA3 (Good)A2
S&PAA- (Very Good)A
Consumer Reports8888
Get Your Rates Quote Now

Compare RatesStart Now →

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.

Comparing Allstate vs. Liberty Mutual Car Insurance Coverages
Allstate Car Insurance CoveragesLiberty Mutual Car Insurance Coverages
Collision coverageBodily Injury Liability
Comprehensive coverageProperty Damage Liability
Bodily Injury LiabilityMedical Payments coverage
Property Damage LiabilityCollision coverage
Uninsured & Underinsured Motorist CoverageComprehensive coverage
Rental Reimbursement CoverageUninsured & Underinsured Motorist Coverage
Personal Umbrella PolicyPersonal Injury Protection
Personal Injury ProtectionGAP Coverage
Sound System InsuranceRental Car Reimbursement
Roadside AssistanceRoadside Assistance
Classic Car InsuranceAccident Forgiveness
Travel Car Insurance to Mexico-
Get Your Rates Quote Now

Compare RatesStart Now →

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.

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

What discounts do they offer?

When considering rates, it is important to remember that most auto insurance companies offer several discounts.

Allstate Vs. Liberty Mutual Discounts Offered
DiscountsAllstate Discounts OfferedLiberty Mutual Discounts Offered
Adaptive Cruise Controlx
Adaptive Headlightsx
Anti-lock Brakesxx
Anti-Theftxx
Daytime Running Lightsxx
Electronic Stability Controlxx
Utility Vehiclex
Vehicle Recoveryxx
VIN Etchingx
Lane Departure Warningx
Newer Vehiclex
Green Vehiclexx
Forward Collision Warningx
Claim Freexx
Continuous Coveragex
Defensive Driverxx
Distant Studentx
Driver's Edxx
Driving Device/Appxx
Early Signingx
Family Plan
Farm Vehiclex
Federal Employeex
Full Paymentxx
Further Educationx
Garaging/Storing
Good Studentxx
Homeownerx
Life Insurancex
Low Mileagexx
Marriedx
Membership/Groupx
Militaryxx
Multiple Policiesxx
Multiple Vehiclesx
New Addressx
New Customer/New Planx
New Graduatex
Newly Licensedx
Newlywedsx
Occupationxx
On Time Paymentsx
Paperless Documentsx
Paperless/Auto Billingxx
Passive Restraintxx
Recent Retireesx
Safe Driverx
Senior Driverx
Students & Alumnix
Switching Providerx
Young Driverx
Get Your Rates Quote Now

Compare RatesStart Now →

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.