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.

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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.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Apr 16, 2021

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Key Takeaways

  • Farmers car insurance rates on average are cheaper than Liberty Mutual
  • Both companies score an A+ by the BBB and an A in financial ratings
  • Farmers scores about average in customer satisfaction and Liberty Mutual scores below average in most regions

When it comes to car insurance companies, you have a lot of options, and comparing them side by side can help narrow them down. We will look at Farmers vs. Liberty Mutual car insurance companies to see which one meets your needs the best.

Compare rates, discounts, financial ratings, and customer satisfaction to determine if either is right for you.

However, you don’t have to just compare Farmers vs. Liberty Mutual to find the best company. Enter your ZIP code to receive free quotes from multiple companies near you today.

Is Farmers car insurance or Liberty Mutual car insurance cheaper?

There are many factors that determine your car insurance rates. Companies look at your age, gender, marital status driving record, and credit history to calculate your rates.

These factors are just a few that determine how affordable Farmers vs. Liberty Mutual car insurance is for you.

First, let’s look at Farmers vs. Liberty Mutual car insurance rates based on your demographics. This table shows you the rates for each company based on your age, gender, and marital status.

Farmers vs. Liberty Mutual Average Annual Rates Based on Age, Gender, and Marital Status

Age, Gender, and Marital StatusFarmers Average Annual RatesLiberty Mutual Average Annual Rates
Single 17-year-old female$8,666.24$9,875.56
Single 17-year-old male$9,202.06$12,181.54
Single 25-year-old female$2,672.81$3,287.35
Single 25-year old male$2,791.21$3,502.13
Married 35-year-old female$2,316.82$3,085.88
Married 35-year-old male$2,306.44$3,179.88
Married 60-year-old female$2,117.42$2,706.04
Married 60-year-old male$2,179.61$3,088.10

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Farmers car insurance is cheaper, no matter your age, gender, or marital status.

One of the most important factors that car insurance companies look at is your driving record. Accidents, speeding tickets, and DUIs can cause your auto insurance rates to skyrocket.

Farmers vs. Liberty Mutual Average Annual Rates Based on Driving Record
Driving RecordFarmers Average Annual RatesLiberty Mutual Average Annual Rates
Clean record$3,460.60$4,774.30
With 1 accident$4,518.73$6,204.78
With 1 DUI$4,718.75$7,613.48
With 1 speeding violation$4,079.01$5,701.26

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Liberty Mutual is significantly more expensive than Farmers for all driving records.

It might surprise you to learn that insurers also look at your credit score. Car insurance companies believe you are less likely to file a claim and more willing to pay for damages out of pocket if you have a higher credit score.

Farmers vs. Liberty Mutual Average Annual Rates Based on Credit History
Credit HistoryFarmers Average Annual RatesLiberty Mutual Average Annual Rates
Good$3,677.12$4,388.18
Fair$3,899.41$5,604.24
Poor$4,864.14$8,802.22

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Yet again, Farmers is the cheapest option, no matter your credit score.

It’s also important to note that some states, like California, no longer allow car insurance companies to use your credit score to calculate your rates.

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Does Farmers or Liberty Mutual have better car insurance discounts?

Car insurance discounts are a great way to lower your rates. Common discounts offered by most auto insurance companies include multi-vehicle, multi-policy, and occupation discounts.

This table shows you the Liberty Mutual and Farmers insurance discounts offered. If the amount of the discount is known, it is listed. Take a look to see which company can offer you the most discounts.

Farmers vs. Liberty Mutual Car Insurance Discounts
Car Insurance DiscountsFarmers (%)Liberty Mutual (%)
Adaptive Cruise ControlN/A5
Adaptive Headlightsx5
Anti-lock Brakesx5
Anti-Theftx20
Claim Freexx
Continuous CoveragexN/A
Daytime Running Lightsx5
Defensive Driverx10
Distant StudentxN/A
Driver's Edx10
Driving Device/AppN/A30
Early SigningxN/A
Electronic Stability Controlx5
Family PlanxN/A
Farm VehiclexN/A
Federal Employeex10
Forward Collision WarningN/A5
Full Paymentx$5
Further EducationN/A10
Garaging/StoringxN/A
Good Studentx22.5
Green Vehicle510
Homeownerxx
Lane Departure WarningN/Ax
Low Mileagexx
MarriedN/Ax
Membership/GroupN/A10
Militaryx4
Multiple Policiesx20
Multiple Vehiclesx10
New AddressN/A5
New Customer/New PlanN/Ax
New GraduateN/A5
Newer VehiclexN/A
Newly LicensedN/A5
NewlywedsN/A5
Occupationx10
Paperless DocumentsxN/A
Paperless/Auto Billingxx
Passive Restraintxx
Recent RetireesN/A4
Safe DriverxN/A
Senior DriverxN/A
Students & AlumniN/A10
Switching Providerx10
Utility VehiclexN/A
Vehicle Recoveryx35
VIN Etchingx5
Young DriverN/Ax

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Both companies offer a lot of the same discounts. However, there are some differences. For example, Farmers offers a continuous coverage discount and Liberty Mutual doesn’t. On the other hand, Liberty Mutual offers a discount for being married and Farmers doesn’t.

Be sure to look closely at discounts from each company as you compare Farmers vs. Liberty Mutual car insurance quotes.

How does Farmers and Liberty Mutual compare in financial strength and customer satisfaction?

A.M. Best ranks companies based on how financially stable they are. Both Farmers and Liberty Mutual received an A rating, meaning they have an excellent ability to meet their obligations.

Both Farmers and Liberty Mutual are accredited with the Better Business Bureau and received A+ ratings.

Both companies were also ranked by J.D. Power for customer satisfaction on factors like what is offered, billing, price, and claims. Farmers insurance reviews ranked about average and Liberty Mutual reviews ranked slightly lower.

Both companies offer easy-to-use websites and mobile apps, allowing you to pay your bill and access your insurance information. You can also get a Farmers or Liberty Mutual quote on their respective websites.

Farmers and Liberty Mutual also offer additional services like roadside assistance. The Farmers roadside assistance phone number is 1-800-435 -7764. You can Liberty Mutual roadside assistance at 1-800-426-9898.

Both companies offer other insurance coverage also, such as Farmers or Liberty Mutual homeowners insurance.

Deciding to buy Farmers vs. Liberty Mutual car insurance can be a difficult decision. Weigh Farmers and Liberty Mutual’s pros and cons to determine if either company is right for you.

Once you’ve compared Farmers vs. Liberty Mutual car insurance, enter your ZIP code to compare quotes from multiple companies near you.