Compare Allstate vs. Liberty Mutual Auto Insurance in 2021
Allstate vs. Liberty Mutual auto insurance? Which is better? Drivers with bad credit will get cheaper auto insurance rates with Allstate, and Liberty Mutual has cheaper auto insurance rates for young drivers. Liberty Mutual has more customer complaints, and both Liberty Mutual and Allstate have excessively high rates for those with a bad driving record.
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UPDATED: Mar 30, 2021
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- Allstate has cheaper auto insurance rates if you have a low credit score
- Allstate has cheaper auto insurance rates for young drivers
- Both Allstate and Liberty Mutual offer multiple discounts
- Liberty Mutual has a higher customer complaint ratio
- Both Allstate and Liberty Mutual dramatically increase auto insurance rates for having a speeding ticket, accident, or DUI on your record
There are many auto insurance companies to consider. You probably know the basics now that you have landed here and are ready to narrow your two best contenders and choose the auto insurance company that will have your back when you need it: Allstate vs. Liberty Mutual auto insurance.
Allstate and Liberty Mutual are both on the big list of the best auto insurance companies, but how do they stack up when it comes to rates, discounts, consumer satisfaction and complaints, mobile apps, and financial strength?
Enter your ZIP code to start comparing multiple companies in your local area and find the best auto insurance quotes now.
Is Allstate auto insurance or Liberty Mutual auto insurance cheaper based on age?
Wouldn’t you agree that as we age, we become more experienced? Auto insurance companies believe this, especially when it comes to determining your auto insurance rates. They believe the more years of experience driving we have, the more cautious and safe we are as drivers.
I think we can all agree on that.
However, I doubt we will all agree that it’s fair to base auto insurance rates on gender and marital status. Some states have outlawed this discriminatory practice — but not all.
|Age Gender and Marital Status||Allstate Average Annual Rates||Liberty Mutual Average Annual Rates|
|Single 17-year-old female||$9,282||$11,621|
|Single 17-year-old male||$10,643||$13,719|
|Single 25-year-old female||$3,425||$3,960|
|Single 25-year-old male||$3,571||$4,503|
|Married 35-year-old female||$3,156||$3,803|
|Married 35-year-old male||$3,123||$3,857|
|Married 60-year-old female||$2,913||$3,445|
|Married 60-year-old male||$2,991||$3,681|
Liberty Mutual’s auto insurance rates for drivers over the age of 25 are an average of 21 percent higher than Allstate auto insurance rates.
Allstate is definitely a good option if you have a young driver. You can save up to 27 percent by covering your young driver through Allstate rather than Liberty Mutual.
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Is Allstate auto insurance or Liberty Mutual auto insurance cheaper based on driving record?
No matter what auto insurance company you select, it’s a widely accepted fact that your auto insurance rates will increase if you get a speeding ticket, cause an accident, or get a DUIs. The riskier a driver you are, the riskier a liability you are. These two companies are no exception.
|Driving Record||Allstate Average Annual Rates||Liberty Mutual Average Annual Rates|
|With one speeding violation||$4,484||$5,701|
|With one accident||$4,988||$6,205|
|With one DUI||$6,261||$7,613|
Both Liberty Mutual and Allstate take driving infractions seriously. Allstate auto insurance rates increase by 17 to 63 percent as you tally up speeding tickets, cause accidents, or get caught driving under the influence of drugs or alcohol.
Auto insurance rates with Liberty Mutual for those with a bad driving record, are just a bit lower but not enough to really make a large difference when making your choice. Liberty Mutual rates increase by only 19 to 59 percent.
Is Allstate auto insurance or Liberty Mutual auto insurance cheaper based on credit score?
Your credit score reflects your prior ability to manage your finances and make good choices as well as pay your bills on time. Auto insurance companies assume that the more financially responsible you are, the safer driver you are.
We can all agree that a traumatic financial life event like a divorce or unexpected medical costs is likely to decrease your credit score.
Are those always personal choices? Not exactly.
Just the same as gender and marital status, some states have banned auto insurance companies from basing rates on credit history. Let’s take a look at how Allstate and Liberty Mutual compare when it comes to rates based on credit score.
|Credit History Summary||Allstate Average Annual Rates||Liberty Mutual Average Annual Rates|
|Good Credit (670-739)||$3,860||$4,388|
|Fair Credit Score (580-669)||$4,581||$5,604|
|Poor Credit Score (300-579)||$6,491||$8,802|
Allstate is more understanding than Liberty Mutual when it comes to your credit history. Drivers with fair or poor credit will pay as much as 19 to 68 percent more with Liberty Mutual. However, if you choose Liberty Mutual, and you have a poor credit score, you will see that your rates will be at least double that of drivers with good credit.
If you have a lower credit score, Allstate is a more affordable option.
When it’s time to renew your six-month policy, and you notice your rate has gone up, it could be because your credit score dropped. Use your Allstate login or Liberty Mutual login to make adjustments to your deductible and coverage levels, temporarily if needed, to reduce your rate for the next six months while you work to improve your credit score.
It’s good practice to check your credit report every six months anyway.
State laws determine much of what obtaining auto insurance coverage costs, so where you live is a very influential factor in determining your auto insurance rates. Be sure to check your state auto insurance guide before judging Allstate and Liberty Mutual auto insurance rates by credit score.
Does Allstate or Liberty Mutual have better auto insurance discounts?
Every auto insurance company has its brand, and it tends to stem from its history. Similarly, the values and philosophies of an auto insurance company can influence what discounts an auto insurance company will offer.
This is why it pays to shop around. Let’s take a look at Allstate auto insurance discounts and Liberty Mutual auto insurance discounts.
|Adaptive Cruise Control||N/A||5|
|Daytime Running Lights||2||5|
|Electronic Stability Control||2||5|
|Forward Collision Warning||N/A||5|
|On Time Payments||5||N/A|
|Students & Alumni||N/A||10|
These two companies are highly competitive when it comes to offering great discounts. Allstate offers 24 auto insurance discounts, and Liberty Mutual offers 28 auto insurance discounts.
If you have a vehicle recovery system, Liberty Mutual can offer a 35 percent discount, which is their highest one. On the other hand, Allstate provides three different discounts between 30 and 35 percent, and those are for having airbags, being claim-free, and being a distant student.
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What types of auto insurance coverages are offered by Allstate and Liberty Mutual?
Since both Allstate and Liberty Mutual are on the big contender list for market share, they both likely offer the standard six coverages that are listed below in addition to much more.
- Liability auto insurance coverage – bodily injury and property damage
- Comprehensive auto insurance coverage
- Collision auto insurance coverage
- Uninsured/Underinsured auto insurance coverage
- Medical Payments (MedPay) auto insurance coverage – particularly important in states that require no-fault auto insurance
- Personal Injury Protection (PIP) auto insurance coverage
However, be sure to take a closer look at any specialty coverages such as rental reimbursement, roadside assistance, guaranteed auto protection (GAP), mechanical breakdown, and recreational vehicles such as ATVs or boats.
Does Allstate or Liberty Mutual have better auto insurance mobile apps?
Most of the top 10 auto insurance companies have mobile apps to make payments, adjust coverage levels, or show electronic verification of auto insurance coverage. However, most auto insurance companies have a separate app that is used for their usage-based auto insurance programs.
Usually, your Allstate insurance login or Liberty Mutual insurance login will work with both the general app and the driving app.
Read our Allstate’s MileWise review and compare it to Liberty Mutual’s RightTrack to decide if you would like to participate in their usage-based auto insurance programs.
How do Allstate and Liberty Mutual auto insurance compare in financial strength and customer satisfaction?
If auto insurance companies can judge their customers based on gender, marital status, and credit score, then it’s only fair customers get to judge them. We list ratings for Allstate and Liberty Mutual from the top agencies that judge the credibility of all auto insurance companies.
A.M. Best scores companies based on their ability to meet their ongoing insurance obligations such as balancing premiums collected and claims paid. The highest score A.M. Best awards is Superior A++.
Consumer Reports collects annual data from its subscribers regarding customer satisfaction of the claims process, step by step. In their 2017 survey, 27 insurance companies were rated, and scores ranged between 86 to 96.
And the National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers against the total number of complaints. In 2017, the national average complaint ratio was 1. The lower the ratio, the better.
|Agencies||Allstate Ratings||Liberty Mutual Ratings|
|AM Best||A+ (Excellent)||A (Excellent)|
|NAIC Complaint Ratio||0.5 (total of 163 complaints)||5.95 (total of 222 complaints)|
Customer satisfaction is high when it comes to filing Allstate claims and Liberty Mutual claims. The financial stability of both companies is on a good track. However, the customer complaint ratio is much higher with Liberty Mutual.
Before picking Liberty Mutual, be sure to read more about complaint ratios on the NAIC website. Or you can contact Liberty Mutual customer service by dialing the main Liberty Mutual phone number found on their website.
Ready to buy auto insurance but still unsure which company to choose? You can always use our free comparison tool to compare auto insurance to other companies in your area to find the most affordable auto insurance near you.