Liberty Mutual vs. USAA: Best Car Insurance for 2023
Introducing the comparison between Liberty Mutual and USAA car insurance, this article delves into rate disparities, discounts, and customer service to guide you in making informed decisions about your car insurance coverage.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Chris Harrigan
Former Auto Insurance Claims Manager
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.
Former Auto Insurance Claims Manager
UPDATED: Dec 5, 2023
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.
UPDATED: Dec 5, 2023
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.
On This Page
Analyzing crucial factors such as credit score, mileage, coverage level, and driving record, this comprehensive comparison unveils key insights into car insurance rates from Liberty Mutual and USAA. The ensuing subheadings succinctly distill complex data, illuminating the optimal choice for diverse customer profiles. Whether scrutinizing rates based on credit score or evaluating the impact of driving records, this guide swiftly navigates the nuanced landscape of insurance pricing, empowering readers to make well-informed decisions tailored to their unique circumstances.
| Factor | Liberty Mutual | USAA |
|---|---|---|
| Clean Record | $174 | $59 |
| 1+ Ticket | $212 | $67 |
| 1+ Accident | $234 | $78 |
| DUI | $313 | $108 |
| Poor Credit | $299 | $101 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
| Discount | Liberty Mutual | USAA |
|---|---|---|
| Anti Theft | 15% | 12% |
| Good Student | 12% | 10% |
| Low Mileage | 20% | 5% |
| Paperless | 10% | 3% |
| Safe Driver | 12% | 15% |
| Senior Driver | 23% | 3% |
Liberty Mutual
Pros:
- Discount Variety: Liberty Mutual offers a range of discounts, allowing potential savings for various policyholders.
- User-Friendly Interface: Customers appreciate the ease of accessing information, making payments online, and obtaining quotes.
- Coverage Options: Liberty Mutual provides diverse coverage options, catering to a broad spectrum of insurance needs.
Cons:
- Higher Base Rates: Generally known for slightly higher rates, which may impact overall affordability.
- Military Affiliation Requirement: Unlike USAA, there is no option for those without military connections to access the more competitive rates.
Compare quotes from the top car insurance companies and save
Secured with SHA-256 Encryption
USAA
Pros:
- Competitive Rates: USAA consistently offers competitive rates, especially for those with military affiliations.
- Discount Availability: Similar to Liberty Mutual, USAA provides a variety of discounts, enhancing potential savings.
- Customer Satisfaction: Customers often praise USAA for its excellent customer service, accessible online tools, and comprehensive information.
Cons:
- Military Affiliation Requirement: While advantageous for military members, those without such affiliations may not access the best rates.
- Limited Availability: USAA is exclusively available to military personnel, veterans, and their families, limiting its accessibility to a broader audience.
Best Car Insurance Company: USAA
When it comes to choosing between Liberty Mutual and USAA for car insurance, both companies offer competitive rates and discounts. However, after a thorough analysis of their offerings, USAA emerges as the stronger choice overall.
Rates Comparison: When it comes to rates, affordability is a significant factor for most consumers. Liberty Mutual is known for slightly higher rates, but the key lies in the discounts offered. Liberty Mutual provides discounts that can potentially save you up to 30% on your rates. On the other hand, USAA offers great rates, but eligibility is restricted to those with a military affiliation.
Age-Based Rates: Your age is a crucial factor in determining your car insurance rates. Generally, USAA proves to be a more affordable choice, especially for younger drivers. However, it’s essential to note that military affiliation is a prerequisite for accessing USAA’s competitive rates.
Driving Record Impact: A less-than-perfect driving record can significantly impact your insurance rates. USAA appears to offer more affordable rates, even for individuals with violations on their records. Liberty Mutual, while having slightly higher rates, provides discounts that can help mitigate the impact of a less-than-ideal driving history.
Discounts Offered: Both Liberty Mutual and USAA offer a range of discounts. The key is to identify which company provides discounts that align with your circumstances. Stacking discounts can maximize savings, and both companies present opportunities for reducing premiums.
Customer Service: Customer service is a vital aspect of any insurance company. Both Liberty Mutual and USAA receive positive feedback from customers. Liberty Mutual offers an easy-to-navigate website and app, while USAA provides a seamless online experience through its login portal.
While Liberty Mutual may have slightly higher base rates, its discounts can make it a more affordable option for many. USAA, with its exclusive eligibility criteria, offers competitive rates but is limited to those with military connections. Considering the overall package, including rates, discounts, and customer service, Liberty Mutual emerges as the preferred choice for a broader consumer base.
Which company offers better rates, Liberty Mutual or USAA car insurance?
Liberty Mutual is known for having slightly higher rates. However, with discounts, it may end up being the more affordable choice. Additionally, to take advantage of the great rates that USAA offers, you need some sort of military affiliation.
Companies look at various factors to figure out how much you will pay when it comes to car insurance rates. The factors that impact your rates are:
- Age
- Location
- Annual mileage
- Credit history
- Driving record
- Vehicle (make, model, and year)
- Education
- Claims history
Once these factors are considered, insurance companies assign you a risk level. High-risk car insurance is more expensive, but you can see your rates decrease quickly with good driving habits and discounts.
As we move forward, we’ll look at different rates based on the factors that insurance companies consider. This will give you a good idea of whether Liberty Mutual or USAA car insurance rates are better for your specific situation.
Liberty Mutual vs. USAA Car Insurance Rates Based on Age
When you get a USAA or Liberty Mutual car insurance quote, your age will play a significant role. Teenage drivers have less experience and are more likely to be involved in an accident. As a person ages, their car insurance rates generally decrease.
Here’s a look at how much you may be paying based on how old you are.
| Age | Liberty Mutual Average Monthly Rates | USAA Average Monthly Rates |
|---|---|---|
| Teenagers | $546.58 | $238.67 |
| 20's | $223.83 | $105.08 |
| 30's | $223.83 | $80.25 |
| 40's | $160.50 | $79.75 |
| 50's | $149.42 | $74.08 |
| 60's | $145.50 | $70.42 |
When you look at this, choosing USAA for affordability makes sense. However, keep in mind you, your spouse or a family member needs to be part of the military (active or retired) to qualify for these great rates.
Liberty Mutual vs. USAA Rates Based on Driving Record
As mentioned, if your driving record is less than perfect, you may pay a lot for car insurance. However, some companies are more forgiving than others when it comes to negative driving record marks.
Having violations on your record will affect your rates differently depending on the infraction. Here is a look at what different violations may end up costing you.
| Infraction | Liberty Mutual Average Monthly Rate | USAA Average Monthly Rate |
|---|---|---|
| At-fault accident with less than $1,000 in damage | $176.00 | $78.92 |
| At-fault accident with more an $1,000 in damage | $231.33 | $108.67 |
| Reckless Driving | $288.25 | $122.67 |
| One speeding ticket | $172.33 | $93.67 |
| DUI/DWI | $348.50 | $162.67 |
Here again, USAA offers more affordable rates regardless of the infractions on your record. Liberty Mutual does offer several discounts to decrease rates for those that don’t qualify for USAA car insurance.
To compare rates from top-rated insurance companies near you, enter your ZIP code here.
Compare quotes from the top car insurance companies and save
Secured with SHA-256 Encryption
Which company offers better discounts, Liberty Mutual or USAA?
We have mentioned discounts a lot so far. This is because discounts will help reduce your rates. Finding affordable car insurance is essential to everyone working with a budget, and that’s most of us.
While many discounts offered by these companies are similar, they each have some the other doesn’t. Let’s take a look at what discounts are available from Liberty Mutual and USAA.
| Discount | Liberty Mutual | USAA |
|---|---|---|
| Advanced Purchase | Yes | No |
| Affinity Membership | No | No |
| Air Bags | No | No |
| Annual Mileage | No | Yes |
| Anti-lock Brakes | Yes | No |
| Anti-theft Device | Yes | No |
| Defensive Driver | No | Yes |
| Driver's Training | No | Yes |
| ePay | No | No |
| Good Student | Yes | Yes |
| Green Vehicle | Yes | No |
| Home Owner | Yes | No |
| Military | Yes | Yes |
| Multi-policy | Yes | Yes |
| Multi-vehicle | Yes | Yes |
| New Vehicle | No | Yes |
| Paid in Full | Yes | No |
| Safe/Good Driver | Yes | Yes |
| Student Away at School | Yes | No |
| Telematics | Yes | Yes |
Stacking discounts is the best way to get the most savings. Both Liberty Mutual and USAA offer a good number of discounts. Getting familiar with them will allow you to easily see where you qualify for more savings opportunities.
Which company has better customer service, Liberty Mutual or USAA?
Customer satisfaction encompasses a lot of different categories. One of the big things customers are looking for is a website that is easy to navigate and an app to make accessing your policy simple.
Consumers are pretty happy with Liberty Mutual overall. You can easily make a Liberty Mutual online payment or access a list of Liberty Mutual locations. Additionally, you can see what insurance products the company offers and get quotes.
When it comes to USAA, customers are also happy with their experience. You simply use your USAA insurance login, and you can find information on pretty much anything, including USAA motorcycle insurance options, claims numbers, and so much more.
Regardless of which company you decide to go with, you are sure to be happy with the customer service experience. You can rely on both Liberty Mutual and USAA to stand behind you when you are in need.
Hopefully you’ve learned everything you need to know about Liberty Mutual vs. USAA car insurance. To find affordable car insurance coverage near you, enter your ZIP code now.
Frequently Asked Questions
What distinguishes Liberty Mutual and USAA car insurance, and which one is considered the better option overall?
After analyzing crucial factors such as rates, discounts, and customer service, the comprehensive comparison suggests that both Liberty Mutual and USAA offer competitive options. However, considering factors like rates, discounts, and customer service, Liberty Mutual emerges as the preferred choice for a broader consumer base.
How do the car insurance rates compare between Liberty Mutual and USAA, and what factors influence these rates?
Liberty Mutual is known for slightly higher base rates, but discounts can potentially make it more affordable. USAA offers great rates but is exclusive to those with a military affiliation. Factors influencing rates include credit score, mileage, coverage level, driving record, and age.
What are the age-based rates for car insurance from Liberty Mutual and USAA, and which company tends to be more affordable for younger drivers?
Generally, USAA proves to be a more affordable choice, especially for younger drivers. However, it’s crucial to note that USAA’s competitive rates are limited to individuals with military affiliation.
How do Liberty Mutual and USAA car insurance handle rates based on driving records, and which company is more forgiving of violations?
USAA appears to offer more affordable rates, even for individuals with violations on their records. Liberty Mutual, while having slightly higher rates, provides discounts that can help mitigate the impact of a less-than-ideal driving history.
What discounts are offered by Liberty Mutual and USAA, and how can policyholders maximize savings?
Both Liberty Mutual and USAA offer a range of discounts. Maximizing savings involves identifying discounts that align with individual circumstances. Stacking discounts can be beneficial, and both companies present opportunities for reducing premiums.
Compare quotes from the top car insurance companies and save
Secured with SHA-256 Encryption
Chris Harrigan
Former Auto Insurance Claims Manager
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.
Former Auto Insurance Claims Manager
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.