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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
When you’re shopping for car insurance, two names you’ll definitely come across are State Farm and Liberty Mutual. Both companies have been around for decades and offer solid coverage, but each has strengths that might make one a better fit for your specific needs.
State Farm consistently ranks higher in our in-house ratings and tends to offer more affordable premiums. But Liberty Mutual offers similar options with unique coverage, like better car replacement.
At the end of the day, the right company for you comes down to your budget, your coverage preferences, and how much you value customer service.
Let’s dive into how these two insurance giants stack up against each other so you can make the best decision for your situation.
State Farm typically offers cheaper liability and full-coverage rates than Liberty Mutual.
Both companies provide robust coverage options, but Liberty Mutual offers unique add-ons, like better car replacement and a vanishing deductible.
State Farm scores higher for customer service in our Compare.com Ratings, making it a good choice for most drivers.
| User Reviews | 3.6 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 3.9 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $163/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $221/mo |
Customers appreciate the excellent customer service and efficient claim processing but are frustrated with the high and consistently increasing premiums. Some also found the website difficult to navigate.
Customers appreciate the excellent customer service and efficient claim processing but are frustrated with the high and consistently increasing premiums. Some also found the website difficult to navigate.
Liberty Mutual has been helping drivers protect their vehicles since 1912 and has built a reputation for offering customizable coverage. Their “only pay for what you need” approach means you can tailor your policy to fit your specific situation and budget.
What sets Liberty Mutual apart is its unique coverage options, like better car replacement, which gives you money for a newer model if you total your car. It also offers a vanishing deductible, which helps reduce your out-of-pocket costs when you need to file a claim.
Offers better car replacement coverage
Safe driving telematics program available
24/7 customer service
Higher-than-average rates
Lower customer satisfaction scores
Complex pricing structure
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $57/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $109/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm has provided auto insurance since 1922 and handles more than 96 million policies. The company operates with a network of more than 19,000 agents across the country to provide customers with personalized service.
State Farm offers various auto insurance coverages and discounts to help you save money. Its Drive Safe & Save telematics program provides an initial discount just for enrolling and can save you up to 30% for safe driving.
Excellent customer service
More than 100 years of experience
Extensive local agent network
Drive Safe & Save not available in CA, MA, RI
Offers fewer special coverages than some competitors
Agent availability varies by location
When choosing an insurance company, you should consider factors like cost, customer satisfaction, policy management, coverage availability, and the company’s overall industry reputation.
Below, you’ll find our Compare.com Ratings in these categories for both companies.
Category  | Liberty Mutual | State Farm |
|---|---|---|
| Cost | 2.7/5 | 5.0/5 |
| Customer satisfaction | 2.7/5 | 4.7/5 |
| Policy management | 5.0/5 | 5.0/5 |
| Availability | 5.0/5 | 5.0/5 |
| Industry reputation | 3.7/5 | 5.0/5 |
| Overall Rating | 3.72/5 | 5.00/5 |
State Farm outperforms Liberty Mutual in most categories, particularly when it comes to cost and customer satisfaction. Liberty Mutual does match State Farm in policy management and availability, offering robust online tools and nationwide coverage. But State Farm’s affordability and customer satisfaction scores make it the better overall choice for most drivers.
Our editorial team analyzes and grades each insurer based on factors like its average rates, customer reviews, policy management features, availability, industry standing, and more. This includes countless hours of research and in-depth analysis of thousands of auto insurance quotes from real Compare.com customers.
We grade each factor on a weighted five-point scale to determine an insurer’s proprietary Compare.com Rating, which highlights its overall standing among the industry’s best companies.
Insurance rates vary significantly from one company to the next, and how much you pay depends on factors like your age, location, driving record, and the coverage levels you choose. That’s why it’s so important to shop around and compare quotes from multiple insurers.
Both companies offer discounts that can help reduce your premiums, but State Farm generally offers cheaper rates for most drivers. If you finance or lease your vehicle, keep in mind that lenders typically require you to buy full-coverage insurance.
The chart below shows State Farm’s and Liberty Mutual’s average rates for different driver profiles, according to Compare.com data.
Driver Type | Liberty Mutual | State Farm | Industry Average |
|---|---|---|---|
| All drivers | $221 | $109 | $177 |
| Teens | $378 | $220 | $339 |
| Seniors | $180 | $79 | $151 |
| Recent ticket | $279 | $135 | $223 |
| Recent accident | $289 | $139 | $232 |
| DUI conviction | $321 | $158 | $257 |
| Poor credit | $256 | $174 | $215 |
Policies start as low as $38 per month.
Insurance rates can vary dramatically from one state to the next. Insurers consider many local factors when setting rates, like weather patterns, traffic density, state insurance requirements, and claims frequency.
Both Liberty Mutual and State Farm are available in all 50 states, so you can get coverage regardless of where you live. But you might find a bigger difference in rates depending on your state.
The map below shows both insurers’ average rates across the country, according to our data.
State | Liberty Mutual | State Farm |
|---|---|---|
| Alabama | $236 | $93 |
| Alaska | $${AUTO_CARRIER_LIBERTY-MUTUAL_FULL_STATE_AK_PRICE} | $139 |
| Arizona | $224 | $134 |
| Arkansas | $247 | $85 |
| California | $${AUTO_CARRIER_LIBERTY-MUTUAL_FULL_STATE_CA_PRICE} | $279 |
| Colorado | $308 | $114 |
| Connecticut | $359 | $154 |
| Delaware | $316 | $184 |
| Florida | $387 | $115 |
| Georgia | $425 | $143 |
| Hawaii | $${AUTO_CARRIER_LIBERTY-MUTUAL_FULL_STATE_HI_PRICE} | $138 |
| Idaho | $110 | $49 |
| Illinois | $231 | $85 |
| Indiana | $171 | $81 |
| Iowa | $130 | $43 |
| Kansas | $214 | $95 |
| Kentucky | $258 | $159 |
| Louisiana | $305 | $106 |
| Maine | $169 | $82 |
| Maryland | $389 | $269 |
| Massachusetts | $178 | $76 |
| Michigan | $229 | $221 |
| Minnesota | $211 | $88 |
| Mississippi | $234 | $73 |
| Missouri | $267 | $114 |
| Montana | $${AUTO_CARRIER_LIBERTY-MUTUAL_FULL_STATE_MT_PRICE} | $63 |
| Nebraska | $193 | $130 |
| Nevada | $279 | $96 |
| New Hampshire | $95 | $96 |
| New Jersey | $388 | $432 |
| New Mexico | $209 | $135 |
| New York | $304 | $201 |
| North Carolina | $121 | $147 |
| North Dakota | $${AUTO_CARRIER_LIBERTY-MUTUAL_FULL_STATE_ND_PRICE} | $41 |
| Ohio | $175 | $72 |
| Oklahoma | $263 | $79 |
| Oregon | $208 | $96 |
| Pennsylvania | $186 | $77 |
| Rhode Island | $254 | $160 |
| South Carolina | $303 | $116 |
| South Dakota | $${AUTO_CARRIER_LIBERTY-MUTUAL_FULL_STATE_SD_PRICE} | $90 |
| Tennessee | $209 | $90 |
| Texas | $335 | $96 |
| Utah | $210 | $115 |
| Vermont | $150 | $30 |
| Virginia | $222 | $103 |
| Washington | $230 | $111 |
| District of Columbia | $382 | $298 |
| West Virginia | $194 | $80 |
| Wisconsin | $138 | $61 |
| Wyoming | $${AUTO_CARRIER_LIBERTY-MUTUAL_FULL_STATE_WY_PRICE} | $51 |
Both companies offer the standard coverage types you’d expect, like liability and full-coverage insurance. But they each have unique options and add-ons that might appeal to different drivers.[1]
The table below lists the coverages offered by Liberty Mutual and State Farm, according to publicly available information.
Coverage Type | Liberty Mutual | State Farm |
|---|---|---|
| Liability coverage | ✓ | ✓ |
| Collision coverage | ✓ | ✓ |
| Comprehensive coverage | ✓ | ✓ |
| Uninsured/underinsured motorist (UM/UIM) | ✓ | ✓ |
| Medical payments | ✓ | ✓ |
| Personal injury protection (PIP) | ✓ | ✓ |
| Roadside assistance | ✓ | ✓ |
| Rental car reimbursement | ✓ | ✓ |
| Gap insurance | ✓ | ✓ |
| New car replacement | ✓ | ✓ |
| Better car replacement | ✓ | |
| Rideshare coverage | ✓ | |
| Accident forgiveness | ✓ | ✓ |
State Farm and Liberty Mutual offer multiple ways to save on your car insurance. But specific discounts and savings amounts can vary between companies and states.
Below, you’ll find some of the discounts each company offers, according to our research.
Discount Type | Liberty Mutual | State Farm |
|---|---|---|
| Multi-policy bundle | ✓ | ✓ |
| Multi-car | ✓ | ✓ |
| Safe driver | ✓ | ✓ |
| Good student | ✓ | ✓ |
| Defensive driving course | ✓ | ✓ |
| Safety features | ✓ | ✓ |
| Anti-theft device | ✓ | ✓ |
| Low mileage | ✓ | ✓ |
| Paperless billing | ✓ | ✓ |
| Paid-in-full | ✓ | ✓ |
| Early shopping | ✓ | |
| Military | ✓ | ✓ |
| Usage-based/telematics | ✓ | ✓ |
Customer reviews give you valuable insight into what it’s really like to work with an insurance company. It’s a good idea to read what other people have to say about a company’s claims process or policy management.
Below, you can check out some reviews from real Compare.com customers to help you understand which company’s service and support might be better for you.
The average driver saves up to $867.†
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Both companies offer usage-based insurance programs that can help you save money for safe driving habits. These programs monitor your driving through a mobile app or plug-in device.
Liberty Mutual’s RightTrack program gives you an immediate 10% discount just for signing up. You can earn additional savings based on how smoothly you brake, how often you drive during peak hours, and your overall driving patterns.
State Farm’s Drive Safe & Save works similarly, offering an initial discount when you enroll and up to 30% savings based on your driving behavior. Like RightTrack, this program focuses on rewarding good driving habits.
Both programs are worth considering if you’re a safe driver looking to maximize your savings. But the exact discount amounts and monitoring methods may vary.
Here are answers to some of the most common questions about how Liberty Mutual and State Farm compare.
It depends. For most drivers, State Farm is the better choice due to its lower rates, higher customer satisfaction scores, and stronger overall financial stability. But Liberty Mutual might be worth considering if you’re interested in its unique coverage options.
The “best” insurance company depends on your personal needs and priorities. State Farm, GEICO, and Allstate consistently score top Compare.com Ratings. Each insurer offers a combination of affordable rates, good customer service, and comprehensive coverage options.[2] [3]
No. State Farm typically offers lower rates than Liberty Mutual for most drivers and coverage types. But your specific rates depend on factors like your age, location, driving record, and coverage.
Our editorial team created this article with the help of highly trained generative AI tools. Additionally, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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