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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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: Aug 11, 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 insurance, to try and help you find out which of the two companies will work best for you.

Look at each company’s pros and cons by comparing pricing, discounts, financial ratings, and customer service ratings. You can even dig a little deeper if you’re the type of person who likes easy online access, because customer service is an integral part of what makes a company reliable. And when you’re doing your research, look over the policy details and coverage options that each insurance provider offers. Sometimes writing them down side by side can be a huge help!

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 when a company is figuring out what your insurance costs will be.

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. Having poor credit might alter the coverage options that are available. Don’t let this frighten you away from asking for quotes – most auto insurance companies are more than happy to look into what your situation is in order to find you the best rates.

GEICO vs. Liberty Mutual Average Annual Rates Based on Credit History
Credit HistoryGEICO Average Annual RatesLiberty Mutual Average Annual Rates
Good$2,434.82$4,388.18
Fair$2,986.79$5,604.24
Poor$4,259.50$8,802.22
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For all credit types, GEICO insurance is considerably cheaper than Liberty Mutual.

Depending on your personal situation, your Liberty Mutual or GEICO quotes could end up having widely different rates for you. The goal is to find out which one will offer you the most affordable rates, and move forward with them.

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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
Anti-Theft2520
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
Homeownerxx
Lane Departure WarningN/Ax
Low Mileagexx
LoyaltyxN/A
MarriedN/Ax
Membership/Groupx10
Military154
Multiple Policies1020
Multiple Vehicles2510
New AddressN/A5
New Customer/New PlanN/Ax
New GraduateN/A5
Newer VehiclexN/A
Newly LicensedN/A5
NewlywedsN/A5
Occupationx10
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 won’t always be the same. 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. Also check to see what the annual cost would be should those discounts ever change.

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, and they also have customer service hours as well. You can access your ID cards, pay bills, and view your coverage using your GEICO or Liberty Mutual username.

If you’re curious about what additional coverage types may be available, such as comprehensive coverage, multi – policy options, and roadside assistance, you can find this information readily available through quick access via an app or website. You can also find information on additional services, such as GEICO or Liberty Mutual homeowners insurance. Some places will even offer life insurance policies, which can sometimes open the opportunity to receive a multi-policy discount.

You might be wondering, what does GEICO stand for? Although it started at the Government Employees Insurance Company, GEICO now offers insurance to everyone, and the GEICO insurance agency is one of the most known companies thanks to the catchy acronym.

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

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. By contacting an insurance agent, or checking out the website of the company that seems like the best fit, you’ll be doing yourself a financially responsible favor by getting valuable coverage.

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.