Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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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: Jul 26, 2021

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Key Takeaways

  • Liberty Mutual and State Farm auto insurance companies both offer competitive rates
  • Several factors affect the cost of your rates from these and other auto insurance companies
  • Discounts can save you a lot on your car insurance
  • Covering all of your insurance needs through the same company makes life simpler

If you’re thinking about a State Farm auto insurance quote or asking yourself, “How much is Liberty Mutual car insurance?” you’ve come to the right place. We’ve compared all the aspects of Liberty Mutual vs. State Farm car insurance to save you time and simplify the search for savings.

Sure, you can check out the Liberty Mutual car insurance review and gain valuable information. However, comparing companies will give you better insight into the perfect insurance company for your driving situation.

While your base rates are determined by several factors, discounts can be applied to help you save money. By learning more about Liberty Mutual or State Farm car insurance company, you can choose the right one to meet your needs.

Continue reading to find out if there is affordable Liberty Mutual or State Farm car insurance available to you. You can also enter your ZIP code here to compare rates from top insurance companies near you.

Does Liberty Mutual or State Farm offer better car insurance rates?

Insurance rates are based on several factors. Each insurance company will assign a risk level to you, and this will determine your rates. When car insurance companies are figuring out how risky it is to insure you, they look at:

  • Age
  • Driving record
  • Annual mileage
  • Number of claims
  • Education
  • Credit score
  • Location

While your base rate may seem high, keep in mind that top-rated insurance companies like Liberty Mutual and State Farm will have multiple discounts. These discounts will help cut down the cost of your insurance.

Let’s look at some different sets of Liberty Mutual and State Farm rates for various driving situations.

Liberty Mutual vs. State Farm Car Insurance Rates by Age

When it comes to car insurance rates, age plays a big role in how much you pay. Young drivers’ car insurance is more expensive because this demographic is inexperienced and more likely to be involved in an accident.

Here’s a look at the average rates from Liberty Mutual and State Farm based on age group.

Liberty Mutual vs. State Farm Average Monthly Rates Based on Age
AgeLiberty Mutual Average Monthly RatesState Farm Average Monthly Rates
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State Farm’s rates are significantly more affordable. However, keep in mind that discounts will help save you money, making Liberty Mutual the more affordable option for some.

Liberty Mutual vs. State Farm Car Insurance Rates for High-Risk Drivers

As mentioned, your rates will vary based on your driving record. If you have some accidents or tickets on your record, you could end up paying a lot more for car insurance. 

Learning about high-risk car insurance can help you understand exactly how your rates will be affected. So, let’s look at some driving record situations and what they mean for the cost of your car insurance.

Liberty Mutual vs. State Farm Average Monthly Rates Based on Driving History
InfractionLiberty Mutual Average Monthly RateState Farm Average Monthly Rate
At-fault accident with less than $1,000 in damage$176.00$127.00
At-fault accident with more an $1,000 in damage$231.33$237.42
Reckless Driving$288.25$241.25
Speeding ticket$172.33$165.25
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In pretty much every citation situation, State Farm is a bit more forgiving. If your driving record is less than stellar, State Farm is likely going to be the more affordable choice for you.

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Will I find better discounts with the Liberty Mutual or State Farm car insurance company?

Finding great discounts is one of the best ways to bring your monthly car insurance costs down. While there are many similar discounts offered by these companies, some are unique.

Let’s compare discounts available from Liberty Mutual and State Farm.

Liberty Mutual vs. State Farm Available Discounts
DiscountLiberty MutualState Farm
Advanced PurchaseYesNo
Affinity MembershipNoNo
Air BagsNoYes
Annual MileageNoNo
Anti-lock BrakesYesNo
Anti-theft DeviceYesYes
Defensive DriverNoYes
Driver's TrainingNoYes
Good StudentYesYes
Green VehicleYesNo
Home OwnerYesNo
New VehicleNoNo
Paid in FullYesNo
Safe/Good DriverYesYes
Student Away at SchoolYesYes
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Both companies offer a decent number of discounts. However, Liberty Mutual is the frontrunner when it comes to discounts offered. These discounts make Liberty Mutual’s slightly higher rates more affordable.

What other insurance products are available with Liberty Mutual and State Farm?

Keeping all of your insurance products with the same company simplifies paying bills and can sometimes earn you discounts. So, getting familiar with what products are offered by Liberty Mutual and State Farm can make choosing the right company easier.

Whether you’re searching for Liberty Mutual RV insurance or motorcycle coverage through State Farm, you probably want to know what’s available. Let’s take a look at the different products offered by these companies.

Both Liberty Mutual and State Farm offer:

  • Motorcycle insurance
  • Mobile home insurance
  • RV insurance
  • Renters insurance
  • Travel trailer insurance
  • Homeowners insurance
  • Life insurance
  • Condo insurance
  • Boat insurance

As you can see, both of these companies have pretty much every type of insurance policy you could need. Of course, the cost of these policies will vary. Typically, you can get a discount for multiple policies, so adding insurance coverage can reduce your Liberty Mutual or State Farm car insurance rates.

State Farm has an A.M. Best rating of A++, while Liberty Mutual has a rating of A. That means both companies are financially stable.

We hope you can now decide if you want to buy Liberty Mutual or State Farm car insurance. Enter your ZIP code now and see free quotes from auto insurance companies in your area.