Farmers vs. Liberty Mutual Car Insurance: Expert Recommended (2024)
Comparing Farmers and Liberty Mutual car insurance reveals a spectrum of factors influencing rates, coverage options, and customer satisfaction, steering individuals towards informed decisions for their insurance needs.
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Shawn Laib
Insurance and Finance Writer
Since graduating from the University of WA with a B.A. in English Literature, Shawn has been professionally writing in the spheres of entertainment, insurance, business, marketing, and politics. He is passionate about using his writing skills and insurance knowledge to educate the general population on everyday issues surrounding these misunderstood topics. His work has been published on SUPERJ...
Insurance and Finance Writer
UPDATED: Dec 22, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Dec 22, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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.
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Examining the data on insurance rates across various customer profiles, Farmers and Liberty Mutual stand out in different facets. For those with a clean record, Farmers showcases competitive rates starting at $139 compared to Liberty Mutual’s $174. However, when considering factors like accidents or DUIs, Farmers maintains an edge with rates notably lower than Liberty Mutual. Interestingly, while Liberty Mutual offers higher discounts for certain criteria, such as senior drivers, Farmers presents consistent and attractive pricing across different customer profiles.
| Factor | Farmers | Liberty Mutual |
|---|---|---|
| Clean Record | $139 | $174 |
| 1+ Ticket | $173 | $212 |
| 1+ Accident | $198 | $234 |
| DUI | $193 | $313 |
| Poor Credit | $239 | $299 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
| Discount | Farmers | Liberty Mutual |
|---|---|---|
| Anti Theft | 15% | 15% |
| Good Student | 10% | 12% |
| Low Mileage | 10% | 20% |
| Paperless | 10% | 10% |
| Safe Driver | 5% | 12% |
| Senior Driver | 15% | 23% |
Farmers
Pros:
- Positive Ratings: Farmers has high financial ratings from A.M. Best, ensuring financial stability.
- Coverage Options: Offers a variety of car insurance policy options, including accident forgiveness and roadside assistance.
- Discounts: Provides multiple car insurance discounts, such as those for defensive drivers and federal employees.
- Claims Process: Offers a convenient claims process with online, phone, and mobile app options.
- Digital Features: Robust mobile app and online account management capabilities for policyholders.
- Customer Satisfaction: Generally positive customer feedback in terms of customer service and coverage options.
Cons:
- Mixed Customer Reviews: While generally positive, some mixed reviews regarding claim resolutions and payouts.
- Regional Price Variations: Prices can vary significantly by state and driving record.
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Liberty Mutual
Pros:
- Coverage Options: Known for a broad range of coverage options for auto insurance.
- Discounts: Offers various discounts, potentially making rates more affordable.
- Claims Process: Convenient options for filing claims, including online, phone, and mobile app.
- Digital Features: User-friendly mobile app and online account management capabilities.
- Financial Ratings: High financial ratings from A.M. Best, indicating financial stability.
- Innovative Features: May offer additional features not provided by other insurers, depending on driving habits.
Read more: Liberty Mutual Mobile App: Complete Guide & Review
Cons:
- Customer Satisfaction: Mixed customer reviews, particularly in terms of overall satisfaction.
- Regional Price Variations: Prices and benefits can vary by state, impacting the overall value.
- Limited Transparency: Limited transparency regarding specific customer complaints and resolution outcomes.
The Best Overall: Farmers Insurance
After a comprehensive analysis of Farmers and Liberty Mutual car insurance, one company emerges as the clear winner based on a holistic consideration of rates, coverage options, customer satisfaction, and overall value.
Rates and Discounts: Farmers demonstrates a competitive edge in pricing, with more consistent rates across various factors and states. The company’s diverse range of discounts, including those for defensive drivers and federal employees, contributes to affordability.
Customer Satisfaction: While both companies receive mixed reviews, Farmers tends to outshine Liberty Mutual in terms of overall customer satisfaction, with positive feedback regarding coverage options and customer service.
Coverage Options: Farmers strikes a balance between modern technology, financial stability, and policy options. Liberty Mutual, while offering a broad array of coverage, falls slightly short in terms of customer satisfaction, impacting the overall value.
Claims Process: Both companies offer convenient claims processes, but Farmers gains an edge with more consistent positive feedback on claim resolutions and payouts.
Digital Experience: Farmers’ robust mobile app and online account management capabilities provide a seamless and user-friendly experience for policyholders, enhancing the overall customer journey.
While Liberty Mutual offers innovative coverage options, Farmers excels in providing a well-rounded, reliable, and cost-effective car insurance solution. When it comes to choosing the best overall, Farmers Insurance takes the lead.
Farmers vs. Liberty Mutual: Comparing Car Insurance Rates
As you will see in the sections below, Farmers and Liberty Mutual offer similar rates based on some factors, and vastly different rates depending on others. Check below to compare some samples of Farmers vs. Liberty Mutual car insurance quotes.
Farmers vs. Liberty Mutual: Which is the cheapest by state?
Where you live greatly determines which company offers the lowest rates as can be seen in the chart below.
Farmers Vs. Liberty Average Annual Car Insurance Rates by State
| State | Farmers Average Annual Rates | Liberty Mutual Average Annual Rates |
|---|---|---|
| Alaska | Data Not Available | $5,295.55 |
| Alabama | $4,185.80 | $4,005.48 |
| Arkansas | $4,257.87 | Data Not Available |
| Arizona | $5,000.08 | Data Not Available |
| California | $4,998.78 | $3,034.42 |
| Colorado | $5,290.24 | $2,797.74 |
| Connecticut | Data Not Available | $7,282.87 |
| District of Columbia | Data Not Available | Data Not Available |
| Delaware | Data Not Available | $18,360.02 |
| Florida | Data Not Available | $5,368.15 |
| Georgia | Data Not Available | $10,053.44 |
| Hawaii | $4,763.82 | $3,189.55 |
| Iowa | $2,435.72 | $4,415.28 |
| Idaho | $3,168.28 | $2,301.51 |
| Illinois | $4,605.20 | $2,277.65 |
| Indiana | $3,437.55 | $5,781.35 |
| Kansas | $3,703.77 | $4,784.42 |
| Kentucky | Data Not Available | $5,930.97 |
| Louisiana | Data Not Available | Data Not Available |
| Maine | $2,770.15 | $4,331.39 |
| Maryland | Data Not Available | $9,297.55 |
| Massachusetts | Data Not Available | $4,339.35 |
| Michigan | $8,503.60 | $20,000.04 |
| Minnesota | $3,137.45 | $13,563.61 |
| Missouri | $4,312.19 | $4,518.67 |
| Mississippi | Data Not Available | $4,455.94 |
| Montana | $3,907.55 | $1,326.11 |
| North Carolina | Data Not Available | $2,182.71 |
| North Dakota | $3,092.49 | $12,852.83 |
| Nebraska | $3,997.29 | $6,241.52 |
| New Hampshire | Data Not Available | $8,444.41 |
| New Jersey | $7,617.00 | $6,766.62 |
| New Mexico | $4,315.53 | Data Not Available |
| Nevada | $5,595.56 | $6,201.55 |
| New York | Data Not Available | $6,540.73 |
| Ohio | $3,423.01 | $4,429.74 |
| Oklahoma | $4,142.40 | $6,874.62 |
| Oregon | $3,753.52 | $4,334.55 |
| Pennsylvania | Data Not Available | $6,055.20 |
| Rhode Island | Data Not Available | $6,184.12 |
| South Carolina | $4,691.85 | Data Not Available |
| South Dakota | $3,768.80 | $7,515.99 |
| Tennessee | $3,430.07 | $6,206.69 |
| Texas | Data Not Available | Data Not Available |
| Utah | $3,907.99 | $4,327.76 |
| Virginia | Data Not Available | Data Not Available |
| Vermont | Data Not Available | $3,621.08 |
| Washington | $2,962.00 | $3,994.73 |
| West Virginia | Data Not Available | $2,924.39 |
| Wisconsin | $3,777.49 | $6,758.85 |
| Wyoming | $3,069.35 | $1,989.36 |
As you can see, while Farmers has higher rates in Hawaii, its annual rates are much lower than Liberty Mutual’s in Iowa.
Farmers vs. Liberty Mutual: Which is the cheapest by driving record?
The chart below shows how different car insurance rates can be based on your driving record.
Farmers vs. Liberty Mutual Average Annual Car Insurance Rates by Driving Record
| Driving Record | Farmers Average Annual Rates | Liberty Mutual Average Annual Rates |
|---|---|---|
| Clean Record | $3,460.60 | $4,774.30 |
| With One Accident | $4,518.73 | $6,204.78 |
| With One DUI | $4,718.75 | $7,613.48 |
| With One Speeding Violation | $4,079.01 | $5,701.26 |
No matter which company you go with, those with a clean driving record will usually pay much less.
Farmers vs. Liberty Mutual: Which is the cheapest by age and gender?
If you are a younger driver, you can expect to pay higher car insurance rates, no matter which company you buy insurance from.
Farmers Vs. Liberty Mutual: Average Annual Car Insurance Rates by Age, Gender, and Marital Status
| Age, Gender, and Marital Status | Farmers Average Annual Rates | Liberty Mutual Average Annual Rates |
|---|---|---|
| Married 35-year old female | $2,556.98 | $3,802.77 |
| Married 35-year old male | $2,557.75 | $3,856.84 |
| Married 60-year old female | $2,336.80 | $3,445.00 |
| Married 60-year old male | $2,448.39 | $3,680.53 |
| Single 17-year old female | $8,521.97 | $11,621.01 |
| Single 17-year old male | $9,144.04 | $13,718.69 |
| Single 25-year old female | $2,946.80 | $3,959.67 |
| Single 25-year old male | $3,041.44 | $4,503.13 |
As you can see, the married 60-year-old female pays the lower rates from both companies. That being said, it is illegal for companies to base rates on your gender in several states, including Hawaii, Massachusetts, Montana, Pennsylvania, and North Carolina. For information on the insurance laws in your state, visit the NAIC.
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Claims Process: Farmers vs. Liberty Mutual Car Insurance
Ease of Filing a Claim (online, over the phone, mobile apps)
When it comes to the claims process, both Farmers and Liberty Mutual offer multiple convenient options for policyholders to file claims. You can file a claim with both companies through their official websites using online forms. Additionally, they provide the option to file a claim over the phone, offering a traditional and personal approach to the process.
Moreover, both insurers have developed user-friendly mobile apps that enable customers to file claims quickly and efficiently through their smartphones or tablets. These mobile apps also offer other helpful features for policy management and customer support.
Average Claim Processing Time
The average claim processing time can significantly impact your overall experience with an insurance company. While specific processing times can vary depending on the complexity of the claim and other factors, both Farmers and Liberty Mutual strive to process claims as efficiently as possible.
They typically aim to provide prompt responses and manage claims in a timely manner to ensure that policyholders receive the support they need when facing unexpected situations. To get a more accurate estimate of claim processing times, it’s recommended to consult with a representative from each company or review customer feedback.
Customer Feedback on Claim Resolutions and Payouts.
Customer feedback on claim resolutions and payouts is essential for assessing the quality of service provided by Farmers and Liberty Mutual. Both companies have received mixed reviews in terms of customer satisfaction in this aspect.
While they have high financial ratings and offer various coverage options, the actual claim experience can vary for individual policyholders. It’s advisable to research customer reviews, ratings, and feedback specific to claim resolutions and payouts to gain insights into the overall customer satisfaction with these insurers.
Digital and Technological Features: Farmers vs. Liberty Mutual Car Insurance
Mobile App Features and Functionality
Both Farmers and Liberty Mutual offer robust mobile apps designed to enhance the policyholder experience. These apps provide a range of features and functionalities, including the ability to file claims, access policy documents, make payments, and view billing information.
Additionally, they often include tools for roadside assistance, locating repair shops, and tracking claims status. The mobile apps aim to streamline interactions with the insurance companies, making it convenient for customers to manage their policies and access important information on the go.
Online Account Management Capabilities
Online account management is a crucial aspect of the digital experience offered by Farmers and Liberty Mutual. Policyholders can create online accounts on the insurers’ respective websites, where they can access their policy details, view billing statements, make policy changes, and initiate claims.
These online account management capabilities empower customers to have greater control over their insurance policies and streamline various administrative tasks without the need for traditional paperwork or phone calls.
Digital Tools and Resources
Both Farmers and Liberty Mutual provide a range of digital tools and resources to assist policyholders in making informed decisions about their insurance coverage. These resources may include online calculators to estimate coverage needs, educational articles and videos, and informative blog posts.
Additionally, policyholders can often find helpful FAQs and guides on the insurers’ websites, addressing common insurance-related questions and concerns. These digital tools and resources contribute to a more comprehensive and user-friendly digital experience for customers.
Farmers vs. Liberty Mutual: Ratings and Customer Satisfaction
Rates are a top consideration for most people, but it’s also important to choose an auto insurance company with a good reputation.
What are Farmers’ and Liberty Mutual’s financial ratings?
Financial ratings are important to consider when comparing Liberty Mutual and Farmers as they indicate the financial stability of both companies.
Farmers vs. Liberty Mutual Financial Ratings
| Ratings Website | Farmers Ratings | Liberty Mutual Ratings |
|---|---|---|
| AM Best | B++ (Good) | 'A' ('Excellent') |
| S&P | N/A | (A-) “Strong” |
| Moody's | N/A | (A2) “Good” |
| Better Business Bureau | A+ | A+ |
As you can see, both companies have high financial ratings, though Liberty Mutual did a bit better with A.M. Best.
How do customers rate Farmers and Liberty Mutual?
Customer reviews online for both companies are fairly mixed. Below, we’ve provided Liberty Mutual and Farmers’ scores from Consumer Reports and more.
Farmers vs. Liberty Mutual Customer Satisfaction Ratings
| Review Company | Farmers Ratings | Liberty Mutual Ratings |
|---|---|---|
| Consumer Reports | 89 | N/A |
| J.D. Power | 865 (About Average) | 857 (About Average) |
| Better Business Bureau | 1.46/5 stars | 1.13/5 stars |
Both companies received similar scores in terms of customer satisfaction ratings. Our Farmers Insurance review and Liberty Mutual review offer information on customer complaints about both companies.
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Farmers vs. Liberty Mutual: Car Insurance Coverage and Options
Both Farmers and Liberty Mutual Insurance offer plenty of different coverage options. Farmers and Liberty Mutual customer service are available to reach throughout the week, however, they both have defined hours. To pay bills, make claims, and more, you can easily create a Farmers or Liberty Mutual login on their respective websites. The Liberty Mutual phone number for customer support is 1 (800) 290-7933.
What are Farmers and Liberty Mutual coverage options?
Liberty Mutual and Farmers offer plenty of different coverage options, though their rates can differ based on many factors.
Farmers vs. Liberty Coverage Types Offered
| Types of Coverage | Farmers Coverages | Liberty Mutual Coverages |
|---|---|---|
| Bodily injury liability | x | x |
| Personal Injury Protection (PIP) | x | x |
| Property damage liability | x | x |
| Comprehensive | x | x |
| Collision | x | x |
| Uninsured/underinsured bodily injury | x | x |
| Uninsured/underinsured motorist property damage | x | x |
| Medical payments | x | x |
| Roadside assistance | x | x |
For an accurate list of the coverage options offered in your area, it is best to speak with an agent from either company.
What discounts do Farmers and Liberty Mutual offer?
Saving on auto insurance rates can be easily done, thanks to many discounts out there. See if you might qualify for any of the discounts listed below.
Farmers Vs. Liberty Mutual Car Insurance Discounts Offered
| Discounts | Farmers Discounts Offered | Liberty Mutual Discounts Offered |
|---|---|---|
| Adaptive Cruise Control | x | |
| Adaptive Headlights | x | x |
| Anti-lock Brakes | x | x |
| Anti-Theft | x | x |
| Daytime Running Lights | x | x |
| Electronic Stability Control | x | x |
| Utility Vehicle | x | |
| Vehicle Recovery | x | x |
| VIN Etching | x | x |
| Lane Departure Warning | x | |
| Newer Vehicle | x | |
| Green Vehicle | x | x |
| Forward Collision Warning | x | |
| Claim Free | x | x |
| Continuous Coverage | x | |
| Defensive Driver | x | x |
| Distant Student | x | |
| Driver's Ed | x | x |
| Driving Device/App | x | |
| Early Signing | x | |
| Emergency Deployment | ||
| Family Legacy | x | |
| Family Plan | x | |
| Farm Vehicle | x | |
| Federal Employee | x | x |
| Full Payment | x | x |
| Further Education | x | |
| Garaging/Storing | x | |
| Good Student | x | x |
| Homeowner | x | x |
| Low Mileage | x | x |
| Married | x | |
| Membership/Group | x | |
| Military | x | x |
| Multiple Policies | x | x |
| Multiple Vehicles | x | x |
| New Address | x | |
| New Customer/New Plan | x | |
| New Graduate | x | |
| Newly Licensed | x | |
| Newlyweds | x | |
| Occupation | x | x |
| On Time Payments | ||
| Paperless Documents | x | |
| Paperless/Auto Billing | x | x |
| Passive Restraint | x | x |
| Recent Retirees | x | |
| Safe Driver | x | |
| Seat Belt Use | ||
| Senior Driver | x | |
| Students & Alumni | x | |
| Switching Provider | x | x |
| Young Driver | x |
As you can see, both companies offer plenty of discounts, so chances are you may qualify for at least a few.
Farmers vs. Liberty Mutual: Which company is best?
If you are deciding whether to buy Farmers vs. Liberty Mutual car insurance, then it is important to consider rates, discounts, coverage options, and customer service. Farmers vs. Liberty Mutual car insurance rates can depend greatly on many factors. Both companies offer plenty of discounts and roadside assistance options.
In summary, Farmers offers a nice mix of modern technology, financial stability, and policy options.
Several insurers can out-perform Farmers in any one of these areas, but very few single insurers can beat Farmers at all three.
One of Liberty Mutual’s strengths is in its coverage options for auto insurance. Depending on your driving habits and needs, you may find additional features that other insurers don’t provide. However, the insurance company doesn’t have a strong track record with customer satisfaction, so keep that in mind.
Liberty Mutual’s coverage options, benefits, and rates can vary based on a variety of factors, including where you live. As such, it’s important to shop around and compare what the insurer has to offer with other insurance companies in your area.
A great way to compare Farmers vs. Liberty Mutual car insurance is to speak with an agent from each company in your area.
Now that you know all about Farmers vs. Liberty Mutual you can shop with confidence. Enter your ZIP code into our comparison tool below for a quick comparison of companies in your area.
Frequently Asked Questions
What are some key factors to consider when comparing Farmers and Liberty Mutual car insurance?
When comparing Farmers and Liberty Mutual car insurance, it’s important to consider factors such as coverage options, customer service reputation, pricing, discounts, and financial strength.
Which company offers better coverage options, Farmers or Liberty Mutual?
Farmers and Liberty Mutual both offer a range of coverage options for car insurance. The best coverage option for you depends on your specific needs and preferences. It’s recommended to review the policies of both companies to determine which one offers the coverage that aligns with your requirements.
How do Farmers and Liberty Mutual compare in terms of customer service?
Farmers and Liberty Mutual both have a strong customer service reputation. However, customer experiences can vary, so it’s advisable to research customer reviews, ratings, and feedback for both companies to get a better understanding of their customer service performance.
Are there significant differences in pricing between Farmers and Liberty Mutual?
Pricing for car insurance can vary depending on several factors, including your location, driving history, age, and the type of vehicle you own. It’s recommended to obtain personalized quotes from both Farmers and Liberty Mutual to compare prices for the coverage you need.
Which company offers more discounts, Farmers or Liberty Mutual?
Both Farmers and Liberty Mutual offer various discounts that can help lower your car insurance premiums. The availability and specifics of discounts may vary based on factors such as your location and policy details. It’s advisable to inquire with both companies to determine which one offers the most applicable discounts for your situation.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Shawn Laib
Insurance and Finance Writer
Since graduating from the University of WA with a B.A. in English Literature, Shawn has been professionally writing in the spheres of entertainment, insurance, business, marketing, and politics. He is passionate about using his writing skills and insurance knowledge to educate the general population on everyday issues surrounding these misunderstood topics. His work has been published on SUPERJ...
Insurance and Finance Writer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.