Jessica Sautter is a Content Writer for 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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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 23, 2021

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Key Takeaways

  • GEICO car insurance on average is cheaper than Liberty Mutual
  • Both companies received good financial and BBB ratings
  • GEICO is ranked higher in customer satisfaction than Liberty Mutual by J.D. Power

You have a lot of car insurance companies to choose from and making that choice can be difficult. Comparing them side by side will help you pick the best one for you. We will look at GEICO vs. Liberty Mutual car insurance companies to see which company works best for you.

Look at each company’s pros and cons by comparing pricing, discounts, financial ratings, and customer service ratings.

Before jumping into this GEICO vs. Liberty Mutual car insurance review, enter your ZIP code to get free quotes from car insurance companies in your area.

Is GEICO car insurance or Liberty Mutual car insurance cheaper?

Car insurance companies weigh a number of factors when deciding the rates. Your age, driving history, and credit score are all common considerations.

Since these factors are specific to each individual, how affordable GEICO vs. Liberty Mutual car insurance is will differ by the driver.

The first thing we’ll look at is how age influences car insurance rates. We all know that younger drivers pay higher insurance rates, but you might be shocked to learn how much the difference is.

GEICO vs. Liberty Mutual Average Annual Rates Based on Age, Gender, and Marital Status
Age, Gender, and Marital StatusGEICO Average Annual RatesLiberty Mutual Average Annual Rates
Single 17-year-old female $5,405.23 $,9875.56
Single 17-year-old male $5,955.63 $12,181.54
Single 25-year-old female $2,312.93 $3,287.35
Single 25-year old male $2,171.06 $3,502.13
Married 35-year-old female $2,253.30 $,3085.88
Married 35-year-old male $2,237.96 $3,179.88
Married 60-year-old female $2,107.40 $2,706.04
Married 60-year-old male $2,188.44 $3,088.10
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Liberty Mutual insurance rates are over a thousand dollars higher on average each year in each age group, with teen drivers paying over $5,000 more.

Your driving record has a big effect on your auto insurance rates. Tickets, accidents, and DUIs can all boost your rates dramatically.

GEICO vs. Liberty Mutual Average Annual Rates Based on Driving Record
Driving RecordGEICO Average Annual RatesLiberty Mutual Average Annual Rates
Clean record$2,145.96$4,774.30
With 1 accident$3,192.77$6,204.78
With 1 DUI$4,875.87$7,613.48
With 1 speeding violation$2,645.43$5,701.26
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GEICO’s annual auto insurance rates are thousands cheaper than Liberty Mutual’s, regardless of whether you have a clean driving record or not.

Did you know that your credit history may have an effect on the cost of your auto insurance? Car insurance companies believe having a good credit score makes you less likely to file a lawsuit and more able to pay for damages out of pocket.

GEICO vs. Liberty Mutual Average Annual Rates Based on Credit History
Credit HistoryGEICO Average Annual RatesLiberty Mutual Average Annual Rates
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For all credit types, GEICO insurance is considerably cheaper than Liberty Mutual.

However, depending on your personal situation, your Liberty Mutual or GEICO quote can have different rates for you.

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Does GEICO or Liberty Mutual have better car insurance discounts?

Car insurance discounts can lower your rates significantly, and most companies offer a variety of ways to save. Commonly offered discounts include good student, occupation, and multi-car discounts.

This table shows you the discounts available from GEICO and Liberty Mutual, as well as the value of the discount if it is known. See which company will provide you with the best deal.

GEICO vs. Liberty Mutual Car Insurance Discounts
Car Insurance DiscountsGEICO (%)Liberty Mutual (%)
Adaptive Cruise ControlN/A5
Adaptive HeadlightsN/A5
Anti-lock Brakes55
Claim Free26x
Continuous CoveragexN/A
Daytime Running Lights15
Defensive Driverx10
Distant StudentxN/A
Driver's Edx10
Driving Device/Appx30
Early SigningxN/A
Electronic Stability ControlN/A5
Emergency Deployment25N/A
Family LegacyxN/A
Farm VehiclexN/A
Federal Employee810
Forward Collision WarningN/A5
Full Paymentx$5
Further Educationx10
Good Student1522.5
Green VehicleN/A10
Lane Departure WarningN/Ax
Low Mileagexx
Multiple Policies1020
Multiple Vehicles2510
New AddressN/A5
New Customer/New PlanN/Ax
New GraduateN/A5
Newer VehiclexN/A
Newly LicensedN/A5
Paperless/Auto BillingN/Ax
Passive Restraint40x
Recent RetireesN/A4
Safe Driver15N/A
Seat Belt Use15N/A
Students & Alumnix10
Switching ProviderN/A10
Utility VehiclexN/A
Vehicle Recovery1535
VIN EtchingN/A5
Young DriverN/Ax
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Both companies have many discounts, but they do not always have the same discounts. For example, GEICO provides a discount for signing up early, while Liberty Mutual does not. GEICO does not give a discount for getting married, though Liberty Mutual does.

Take into account any available discounts when you compare GEICO vs. Liberty Mutual car insurance quotes.

How do GEICO and Liberty Mutual compare in financial strength and customer satisfaction?

A.M. Best ranks how likely businesses are to fulfill their commitments by looking at their financial stability. GEICO was given an A++ ranking, suggesting that it has a superior potential to fulfill financial obligations. Liberty Mutual was given an A, indicating that it has a strong ability to fulfill its financial obligations.

The Better Business Bureau gave both GEICO and Liberty Mutual an A+ rating.

Companies are rated by J.D. Power based on customer satisfaction in areas like price, billing, coverages provided, and claims. GEICO fared better than the majority, though Liberty Mutual reviews came in near the bottom.

Both companies can be contacted via mobile apps and websites. You can access your ID cards, pay bills, and view your coverages using your GEICO or Liberty Mutual username.

Additional coverages, such as roadside assistance, are available through the app or website. You can also get additional services, such as GEICO or Liberty Mutual homeowners insurance.

You might be wondering what does GEICO stand for. Although it started at the Government Employees Insurance Company, GEICO now offers insurance to everyone.

To learn more read our GEICO car insurance review and our Liberty Mutual car insurance review.

Deciding to buy GEICO vs. Liberty Mutual car insurance can be a difficult decision, but weighing the pros and cons of each company can help you decide if one of these companies is right for you.

Enter your ZIP code now to receive quotes from multiple companies in your area now that you’ve compared GEICO vs. Liberty Mutual car insurance rates, discounts, and ratings.