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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Written by Rachael Brennan
Licensed Agent for 15 Years Rachael Brennan

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 Chris Harrigan

UPDATED: Jun 29, 2022

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Key Takeaways

  • Liberty Mutual and USAA both offer excellent insurance options
  • Your rates will be determined based on multiple factors
  • Both Liberty Mutual and USAA allow customers to utilize discounts to save on rates
  • You can choose Liberty Mutual or USAA for multiple insurance products

The Liberty Mutual vs. USAA car insurance company debate can lead you to better rates and enhanced coverage. Both of these companies have numerous insurance products to meet your needs. You will get good customer service whether you choose Liberty Mutual or USAA.

Keep in mind, USAA car insurance is only available to current and former military personnel and their immediate families. 

Taking the time to read the Liberty Mutual car insurance review will give you excellent insight into the company. However, comparing one company against another, or several others, will lead you to the most affordable coverage you can get.

Both of these companies offer discounts, which can mean even more significant savings. Researching different car insurance companies is the best way to ensure you’re getting the best rates.

Keep reading to learn the winner of our Liberty Mutual vs. State Farm car insurance comparison. To compare rates from top-rated insurance companies near you, enter your ZIP code here.

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.

Liberty Mutual vs. USAA Average Monthly Rates Based on Age
AgeLiberty Mutual Average Monthly RatesUSAA Average Monthly Rates
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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.

Liberty Mutual vs. USAA Average Monthly Rates Based on Driving History
InfractionLiberty Mutual Average Monthly RateUSAA 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
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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.

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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.

Liberty Mutual vs. USAA Available Discounts
DiscountLiberty MutualUSAA
Advanced PurchaseYesNo
Affinity MembershipNoNo
Air BagsNoNo
Annual MileageNoYes
Anti-lock BrakesYesNo
Anti-theft DeviceYesNo
Defensive DriverNoYes
Driver's TrainingNoYes
Good StudentYesYes
Green VehicleYesNo
Home OwnerYesNo
New VehicleNoYes
Paid in FullYesNo
Safe/Good DriverYesYes
Student Away at SchoolYesNo
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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.