Liberty Mutual vs. USAA Car Insurance: Expert Recommended (2024)
Explore the distinct approaches and specialized coverage options of two insurance giants, USAA and Liberty Mutual, renowned for their customer-focused services.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
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UPDATED: Sep 27, 2024
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UPDATED: Sep 27, 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.
On This Page
| 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% |
USAA
Pros:
- Exceptional customer service dedicated to the military community.
- Offers a wide array of financial services beyond insurance.
- Consistently lower-than-average car insurance rates across all states.
- Provides numerous discounts for military members and families.
Cons:
- Membership restricted to current and former military and their families.
- Limited availability of coverage options compared to some larger insurers.
- Not available to the general public, excluding a significant portion of potential customers.
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Liberty Mutual
Pros:
- Comprehensive range of insurance products covering various aspects including auto, home, and more.
- Extensive discount options for multiple policies, safe driving, and homeownership.
- 24/7 customer service with various contact options and easy claim filing methods.
- Established and globally recognized brand with a long history in insurance.
Cons:
- Comparatively higher rates across several states.
- Limited to no coverage for civilians and restricted to military personnel.
- Some customer satisfaction ratings slightly below industry averages.
- Availability of discounts might vary depending on individual circumstances
Comparing USAA and Liberty Mutual for Car Insurance
Both USAA and Liberty Mutual stand out in the insurance market, yet their strengths cater to different demographics. While USAA focuses on the military community, Liberty Mutual offers more diverse coverage but with varying rates. Here are the reasons why USAA might be the better choice:
Exceptional Rates: USAA consistently provides lower-than-average car insurance rates across all states, benefiting its targeted military audience.
Dedication to Military Community: Tailored services and extensive discounts for active, retired, and reserved military members and their families.
Superior Customer Service: Recognized for its exceptional customer service, prioritizing the needs of its military customer base.
Choosing USAA might be the optimal decision for military personnel and their families due to its specialized services, commendable rates, and unwavering commitment to serving the armed forces.
What is Liberty Mutual?
Liberty Mutual Insurance is the sixth-largest global property and casualty insurers. They currently employ over 50,000 people in over 900 locations around the world, including 45 US states.
Liberty Mutual Insurance Overview
| Liberty Mutual Overview | Details |
|---|---|
| Year Founded | 1912 |
| Current Executives | David H. Long - Chairman, President, and CEO |
| Number of Employees | 50,000 |
| Total Assets (2017) | $142,502 million |
| HQ Address | 175 Berkeley Street Boston, MA 02116 |
| Phone Number | 1-800-290-8206 |
| Company Website | https://www.libertymutual.com |
| Premiums Written (Auto, 2017) | $11,585,976 |
| Loss Ratio | 67.16% |
| Best For | Drivers with good credit, those that prefer a large, financially stable company |
They formed on July 1, 1912, as Massachusetts Employees Insurance Association (MEIA) with worker’s compensation insurance to companies. The first auto policy sold in 1918. Then Liberty Mutual continued to expand and innovate its offers.
Liberty Mutual Insurance is well established in multiple types of insurances. Liberty Mutual covers cars, motorcycles, boats, off-road vehicles, homes, renters, landlords, flood, life, identity theft, pets, and more.
If you ever need to file a claim, it only takes 5-10 minutes and basic details to get started.
Liberty Mutual customer service is available with your online account 24 hours a day, seven days a week, 365 days a year. Head to the Liberty Mutual login page to view your policy, make changes, and get help when you need it.
Liberty Mutual has a mobile app for fast access to ID cards, pay bills, file and manage claims, view policy documents, update information, and see policy and coverage details. The app is available on Apple and Android devices.
If you ever need to contact a Liberty Mutual customer service representative then you can text your question at any time to 80361, Tweet @AskLiberty, send a message on Facebook, or call the Liberty Mutual phone number at 1-888-665-2145.
Read more: How long does it take for Liberty Mutual to process a car insurance claim?
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What are the financial strength and customer service ratings for Liberty Mutual?
How do rating companies rank Liberty Mutual?
Liberty Mutual Financial Strength and Customer Satisfaction Ratings
| Ratings Agency | Liberty Mutual Ratings |
|---|---|
| A.M. Best | A |
| Better Business Bureau | A- |
| Moody's | A2 |
| S&P | A |
| NAIC Complaint Index | 6.27 |
| JD Power | Claims Satisfaction 2/5 Shopping Study 3/5 |
| Consumer Reports | 88 |
| Consumer Affairs | 2 stars/328 reviews |
This is a good, objective way to determine how good an insurer is. By looking at their rates you can see into how they operate. Are they business oriented or do they put their customers first? It’s easy to see based off their rates vs. other rates on the market.
How much are Liberty Mutual’s car insurance rates?
The average car insurance rate varies by location, personal history, and other factors. Your needs are going to differ from your neighbor’s even if you’re the same age and live in the same area. It depends on what each person wants out of their auto insurance policy.
You may want comprehensive coverage and roadside assistance, but your neighbor may not want all of that included in their policy. Everyone on the road has to follow the state mandated minimum requirements, but there are various, optional coverage options that people can choose from.
Liberty Mutual Average Monthly Rates by State Compared to Average
| State | Average Monthly Rates | $ Higher/Lower Than State Average | % Higher/Lower Than State Average |
|---|---|---|---|
| Alabama | $333.79 | $36.54 | 0.91% |
| Alaska | $441.30 | $156.17 | 2.95% |
| California | $252.87 | -$54.54 | -1.80% |
| Colorado | $233.15 | -$89.89 | -3.21% |
| Connecticut | $606.91 | $222.00 | 3.05% |
| Delaware | $1,530.00 | $1,031.14 | 5.62% |
| Florida | $447.35 | $57.31 | 1.07% |
| Georgia | $837.79 | $423.88 | 4.22% |
| Hawaii | $265.80 | $52.83 | 1.66% |
| Idaho | $191.79 | -$56.47 | -2.45% |
| Illinois | $189.80 | -$85.65 | -3.76% |
| Indiana | $481.78 | $197.20 | 3.41% |
| Iowa | $367.94 | $119.50 | 2.71% |
| Kansas | $398.70 | $125.40 | 2.62% |
| Kentucky | $494.25 | $61.30 | 1.03% |
| Maine | $360.95 | $114.84 | 2.65% |
| Maryland | $774.80 | $392.90 | 4.23% |
| Massachusetts | $361.61 | $138.38 | 3.19% |
| Michigan | $1,666.67 | $791.78 | 3.96% |
| Minnesota | $1,130.30 | $763.36 | 5.63% |
| Mississippi | $371.33 | $65.95 | 1.48% |
| Missouri | $376.56 | $99.15 | 2.19% |
| Montana | $110.51 | -$157.89 | -11.91% |
| Nebraska | $520.13 | $246.49 | 3.95% |
| Nevada | $516.80 | $111.65 | 1.80% |
| New Hampshire | $703.70 | $441.05 | 5.22% |
| New Jersey | $563.89 | $104.28 | 1.54% |
| New York | $545.06 | $187.57 | 2.87% |
| North Carolina | $181.89 | -$100.87 | -4.62% |
| North Dakota | $1,071.07 | $723.92 | 5.63% |
| Ohio | $369.15 | $143.34 | 3.24% |
| Oklahoma | $572.89 | $227.69 | 3.31% |
| Oregon | $361.21 | $72.23 | 1.67% |
| Pennsylvania | $504.60 | $168.39 | 2.78% |
| Rhode Island | $515.34 | $98.40 | 1.59% |
| South Dakota | $626.33 | $294.48 | 3.92% |
| Tennessee | $517.22 | $212.15 | 3.42% |
| Utah | $360.65 | $59.66 | 1.38% |
| Vermont | $301.76 | $32.25 | 0.89% |
| Washington | $332.89 | $77.95 | 1.95% |
| West Virginia | $243.70 | $27.42 | 0.94% |
| Wisconsin | $563.24 | $262.73 | 3.89% |
| Wyoming | $165.78 | -$100.89 | -5.07% |
Some states, like Montana and Wyoming, have more affordable rates than the state averages. Other states, like Delaware and Michigan, see higher rates than the state averages.
Liberty Mutual Rates by Credit Score
Your credit score can also affect your car insurance rates. The better your credit score, the more you’ll have access to competitive rates. Take a look at the table below to see some examples.
Liberty Mutual Average Monthly Car Insurance Rates by Credit History
| Credit History | Monthly Rates |
|---|---|
| Poor | $734 |
| Fair | $467 |
| Good | $366 |
Your rates can increase if your credit isn’t the best, but there are ways that you can work on getting your score up, and when you do your rates will start to go back down.
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Liberty Mutual Rates by Driving Record
Your driving record is one of the biggest factors in determining your rates. Drivers that sport clean driving records often see lower insurance premiums, because companies view them as less of a risk to insure. However, this shouldn’t deter you from trying to find affordable coverage. There are plenty of discounts offered for things such as defensive driving courses and having a car with plenty of safety features.
Liberty Mutual Average Monthly Car Insurance Rates by Driving Record
| Credit History | Monthly Rates |
|---|---|
| Poor | $734 |
| Fair | $467 |
| Good | $366 |
| One DUI | $634 |
You can see your rates double with one DUI. This is why companies prefer clean driving records. Drivers with DUIs and other infractions can be high-risk on the road.
What car insurance discounts are available through Liberty Mutual?
Liberty Mutual Insurance provides discounts on car insurance if you’re a homeowner; an active, retired, or reserved in the US military; obtain a quote before your current insurance expires; maintain a GPA of B or better; or if your child is away at school without your car.
Your car can also qualify for additional discounts if it has advanced safety features, uses alternative energy, or is equipped with anti-theft technology. If you remain accident and violation-free, Liberty Mutual rewards you with discounts.
You may also enroll in the RightTrack program for an initial discount for participation and a final discount of up to 30 percent with good driving behavior.
Finally, your policy qualifies for additional discounts with multiple policies and multiple cars. Discounts are applied when you enroll in automatic payment and paperless billing, if you pay in full, and when policies are purchased online.
What is USAA insurance?
United Services Automobile Association (USAA) serves the current and former military community along with their spouses and children. They currently employ over 35,000 people in 12 locations around the world, including seven US states.
USAA Overview Table
| Key Info | Provider Specifics |
|---|---|
| Year Founded | 1922 |
| Current Executives | Chairman - General Lester Lyles, USAF (Ret.) CEO - Capt Stuart Parker, USAF (Ret.) |
| Number of Employees | 32,896 |
| Net Income (2017) Total Assets | $2.422 billion $155.391 billion |
| Headquarters Address | 9800 Fredericksburg Rd. San Antonio, TX 78288 |
| Phone Number | 1 (800) 531-8722 |
| Website | USAA.com |
| Private Passenger Auto Premiums Written (2017) | $13,154,939,000 |
| Loss Ratio (2017) | 79.60% |
| Best For | Customer Satisfaction Low Rates |
In 1922, 25 Army officers decided to insure each other’s vehicles. Today, USAA is a diversified financial services group of companies providing insurance, investments, and banking products.
Membership is open to current US military, veterans who have honorably served, and their eligible family members. Even if you’re not eligible for USAA membership, there’s access to some products through their associations with other leading companies. (For more information, read our “Car Insurance Discounts for Active Military and Veterans“).
USAA provides insurance on cars, motorcycles, boats, renters, home, flood, life, and more. If you ever need to file a claim, you can use their website to file in just a few clicks.
USAA customer service is available any time via an automated chat interface on their website. Head to the USAA login page to access insurance and banking information as well as personalized advice and shopping discounts for USAA members.
USAA has a mobile app for fast access to manage insurance, banking, and more from Apple or Android devices. The in-app assistant can provide guidance or get you in touch with a USAA representative.
If you ever need to contact a customer service representative, you can call the main USAA phone number at 800-531-8722.
Read more: How long does it typically take for USAA to process a car insurance claim?
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Streamlining Experience With Liberty Mutual vs. Travelers Car Insurance Claims Process
Ease of Filing a Claim
When it comes to filing a claim with Liberty Mutual or USAA, both companies offer multiple convenient options. You can file a claim online through their respective websites, over the phone by contacting their customer service representatives, or via their mobile apps. These flexible options ensure that you can report a claim in the manner most convenient for you.
Average Claim Processing Time
The speed at which insurance companies process claims is a crucial factor for customers. While the specific processing times may vary depending on the nature and complexity of the claim, both Liberty Mutual and USAA strive to handle claims efficiently. It’s essential to check with each company for their current average claim processing times to get a better understanding of what to expect.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is invaluable in assessing an insurance company’s performance in handling claims. To gauge customer satisfaction, it’s recommended to read reviews and seek testimonials from policyholders who have gone through the claims process with Liberty Mutual and USAA. These insights can provide valuable information about the companies’ claim resolutions and payouts.
Unleashing Innovation With Liberty Mutual vs. Travelers Car Insurance Digital and Technological Features
Mobile App Features and Functionality
Both Liberty Mutual and USAA offer mobile apps that provide policyholders with a range of features and functionalities. These apps typically allow users to access ID cards, pay bills, file and manage claims, view policy documents, update personal information, and check policy and coverage details.
To determine which app suits your needs better, it’s advisable to explore and compare the functionalities of both apps.
Online Account Management Capabilities
Online account management is a vital aspect of convenience for policyholders. Liberty Mutual and USAA provide online account access, enabling customers to view their policies, make policy changes, and receive assistance 24/7. To assess which company offers a more user-friendly online account management system, you can try out their respective platforms and evaluate their ease of use.
Digital Tools and Resources
In addition to mobile apps and online account management, both Liberty Mutual and USAA may offer various digital tools and resources to assist policyholders. These tools can include calculators, educational resources, and safety tips. Exploring these digital resources can help you determine which company provides the most valuable tools to support your insurance needs.
What are the financial strength and customer service ratings for USAA?
Check out USAA’s financial strength and customer service ratings.
USAA Company Ratings
| Agency | Ratings |
|---|---|
| AM Best | A++ |
| Better Business Bureau (San Antonio Headquarters) | B- |
| Moody's | Aaa |
| S&P | AA+ |
| NAIC Complaint Index (2017) | 0.75 (below the national average of 1.0) |
| JD Power | 5 out of 5 stars for overall claims satisfaction |
| Consumer Reports | 95 out of 100 |
| Consumer Affairs | 1 1/2 out of 5 stars based on 266 ratings |
Companies like J.D. Power and A.M. Best are highly respected in the insurance industry.
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What are the average car insurance rates with USAA?
Car insurance rates are lower than the state average in all 50 states, as you can see below.
Liberty Mutual Rates By State Compared to Average
| State | Average Annual Rates | USAA Average Annual Rates | $ Higher/ Lower Than State Average | % Higher/ Lower Than State Average |
|---|---|---|---|---|
| Alabama | $3,566.96 | $2,124.09 | -$1,442.87 | -40.45% |
| Alaska | $3,421.51 | $2,454.21 | -$967.30 | -28.27% |
| Arizona | $3,770.97 | $3,084.29 | -$686.68 | -18.21% |
| Arkansas | $4,124.98 | $2,171.06 | -$1,953.92 | -47.37% |
| California | $3,688.93 | $2,693.87 | -$995.06 | -26.97% |
| Colorado | $3,876.39 | $3,338.87 | -$537.52 | -13.87% |
| Connecticut | $4,618.92 | $3,190.00 | -$1,428.92 | -30.94% |
| Delaware | $5,986.32 | $2,325.98 | -$3,660.34 | -61.15% |
| District of Columbia | $4,439.24 | $2,580.44 | -$1,858.80 | -41.87% |
| Florida | $4,680.46 | $2,850.41 | -$1,830.05 | -39.10% |
| Georgia | $4,966.83 | $3,157.46 | -$1,809.37 | -36.43% |
| Hawaii | $2,555.64 | $1,189.35 | -$1,366.29 | -53.46% |
| Idaho | $2,979.09 | $1,877.61 | -$1,101.48 | -36.97% |
| Illinois | $3,305.48 | $2,770.21 | -$535.27 | -16.19% |
| Indiana | $3,414.97 | $1,630.86 | -$1,784.11 | -52.24% |
| Iowa | $2,981.28 | $1,852.57 | -$1,128.71 | -37.86% |
| Kansas | $3,279.62 | $2,382.61 | -$897.01 | -27.35% |
| Kentucky | $5,195.40 | $2,897.89 | -$2,297.51 | -44.22% |
| Louisiana | $5,711.34 | $4,353.12 | -$1,358.22 | -23.78% |
| Maine | $2,953.28 | $1,930.79 | -$1,022.49 | -34.62% |
| Maryland | $4,582.70 | $2,744.14 | -$1,838.56 | -40.12% |
| Massachusetts | $2,678.85 | $1,458.99 | -$1,219.86 | -45.54% |
| Michigan | $10,498.64 | $3,620.00 | -$6,878.64 | -65.52% |
| Minnesota | $4,403.25 | $2,861.60 | -$1,541.65 | -35.01% |
| Mississippi | $3,664.57 | $2,056.13 | -$1,608.44 | -43.89% |
| Missouri | $3,328.93 | $2,525.78 | -$803.15 | -24.13% |
| Montana | $3,220.84 | $2,031.89 | -$1,188.95 | -36.91% |
| Nebraska | $3,283.68 | $2,330.78 | -$952.90 | -29.02% |
| Nevada | $4,861.70 | $3,069.07 | -$1,792.63 | -36.87% |
| New Hampshire | $3,151.77 | $1,906.96 | -$1,244.81 | -39.50% |
| New Mexico | $3,463.64 | $2,296.77 | -$1,166.87 | -33.69% |
| New York | $4,289.88 | $3,761.69 | -$528.19 | -12.31% |
| North Dakota | $4,165.84 | $2,006.80 | -$2,159.04 | -51.83% |
| Ohio | $2,709.71 | $1,478.46 | -$1,231.25 | -45.44% |
| Oklahoma | $4,142.33 | $3,174.15 | -$968.18 | -23.37% |
| Oregon | $3,467.77 | $2,587.15 | -$880.62 | -25.39% |
| Pennsylvania | $4,034.50 | $1,793.37 | -$2,241.13 | -55.55% |
| Rhode Island | $5,003.36 | $4,323.98 | -$679.38 | -13.58% |
| South Carolina | $3,781.14 | $3,424.77 | -$356.37 | -9.42% |
| Tennessee | $3,660.89 | $2,739.28 | -$921.61 | -25.17% |
| Texas | $4,043.28 | $2,487.89 | -$1,555.39 | -38.47% |
| Utah | $3,611.89 | $2,491.10 | -$1,120.79 | -31.03% |
| Vermont | $3,234.13 | $1,903.55 | -$1,330.58 | -41.14% |
| Virginia | $2,357.87 | $1,858.38 | -$499.49 | -21.18% |
| Washington | $3,059.32 | $2,262.16 | -$797.16 | -26.06% |
| West Virginia | $2,595.36 | $1,984.62 | -$610.74 | -23.53% |
| Wisconsin | $3,606.06 | $2,975.74 | -$630.32 | -17.48% |
| Wyoming | $3,200.08 | $2,779.53 | -$420.55 | -13.14% |
However, the average rates still vary by location, personal history, and other factors.
USAA Rates by Credit History
As mentioned above, your credit history will determine what you pay. Check out USAA rates by credit history.
USAA Average Annual Rates by Credit History
| State | Good Credit Average Annual Rates | Fair Credit Average Annual Rates | Poor Credit Average Annual Rates |
|---|---|---|---|
| AK | $1,832.10 | $2,189.01 | $3,341.50 |
| AL | $1,659.50 | $1,858.49 | $2,854.28 |
| AR | $1,673.63 | $1,963.67 | $2,875.86 |
| AZ | $2,358.75 | $2,834.88 | $4,059.25 |
| CA | $2,693.87 | $2,693.87 | $2,693.87 |
| CO | $2,256.64 | $2,816.63 | $4,943.34 |
| CT | $2,505.79 | $2,847.51 | $4,216.70 |
| DC | $1,709.33 | $2,164.52 | $3,867.47 |
| DE | $1,327.18 | $1,841.00 | $3,809.76 |
| FL | $1,645.31 | $2,266.46 | $4,639.45 |
| GA | $2,469.31 | $2,892.23 | $4,110.85 |
| HI | $1,189.35 | $1,189.35 | $1,189.35 |
| IA | $1,449.24 | $1,673.25 | $2,435.22 |
| ID | $1,288.66 | $1,599.54 | $2,744.62 |
| IL | $2,087.74 | $2,533.67 | $3,689.19 |
| IN | $1,244.14 | $1,451.50 | $2,196.92 |
| KS | $1,754.93 | $2,135.09 | $3,257.80 |
| KY | $1,970.40 | $2,416.87 | $4,306.41 |
| LA | $3,207.81 | $3,841.14 | $6,010.39 |
| MA | $1,930.79 | $1,930.79 | $1,930.79 |
| MD | $2,063.46 | $2,509.68 | $3,659.27 |
| ME | $1,145.82 | $1,316.55 | $1,914.61 |
| MI | $2,351.17 | $3,090.30 | $5,418.52 |
| MN | $1,905.46 | $2,192.66 | $4,486.70 |
| MO | $1,404.32 | $1,960.03 | $4,212.99 |
| MS | $1,527.71 | $1,830.51 | $2,810.16 |
| MT | $1,500.58 | $1,854.79 | $2,740.31 |
| ND | $1,495.25 | $1,754.69 | $2,770.47 |
| NE | $1,784.20 | $2,102.11 | $3,106.02 |
| NH | $1,432.74 | $1,701.57 | $2,586.58 |
| NM | $1,864.57 | $2,151.20 | $2,874.51 |
| NV | $2,166.80 | $2,647.55 | $4,392.85 |
| NY | $2,570.78 | $2,913.64 | $5,800.63 |
| OH | $1,157.84 | $1,358.48 | $1,919.04 |
| OK | $2,139.63 | $2,681.79 | $4,701.02 |
| OR | $1,723.23 | $2,163.24 | $3,874.97 |
| PA | $1,473.98 | $1,664.45 | $2,241.67 |
| RI | $2,911.61 | $3,646.05 | $6,414.26 |
| SC | $2,299.10 | $2,628.01 | $5,347.18 |
| TN | $1,918.82 | $2,326.47 | $3,972.57 |
| TX | $1,695.87 | $2,109.34 | $3,658.48 |
| UT | $1,624.05 | $2,276.89 | $3,572.35 |
| VA | $1,397.63 | $1,693.24 | $2,484.28 |
| VT | $1,318.17 | $1,642.30 | $2,750.18 |
| WA | $1,839.15 | $2,092.36 | $2,854.97 |
| WI | $1,288.58 | $1,612.94 | $3,052.35 |
| WV | $2,016.11 | $2,521.42 | $4,389.67 |
| WY | $1,496.84 | $2,124.46 | $4,717.29 |
Once again, your credit can affect your rates.
USAA Rates by Driving Record
Take a look at the table below to see how USAA rates can vary based on your driving record.
USAA Average Annual Rates by Driving Record
| State | Clean Record Average Annual Rates | Average Annual Rates With One Speeding Violation | Average Annual Rates With One Accident | Average Annual Rates With One DUI |
|---|---|---|---|---|
| AK | $1,928.44 | $2,182.93 | $2,473.74 | $3,231.71 |
| AL | $1,633.79 | $1,767.36 | $2,050.06 | $3,045.15 |
| AR | $1,667.81 | $1,850.74 | $2,115.02 | $3,050.64 |
| AZ | $2,243.31 | $2,640.48 | $3,213.87 | $4,239.51 |
| CA | $1,789.53 | $1,960.41 | $2,663.65 | $4,361.87 |
| CO | $2,439.12 | $2,750.39 | $2,973.13 | $5,192.84 |
| CT | $2,470.92 | $2,470.92 | $3,104.23 | $4,713.94 |
| DC | $1,969.44 | $2,212.93 | $2,510.06 | $3,629.33 |
| DE | $1,916.79 | $2,189.94 | $1,916.79 | $3,280.40 |
| FL | $2,233.94 | $2,341.64 | $2,755.24 | $4,070.81 |
| GA | $2,416.20 | $2,693.63 | $3,058.95 | $4,461.07 |
| HI | $901.18 | $942.77 | $1,109.67 | $1,803.79 |
| IA | $1,415.07 | $1,624.77 | $1,899.89 | $2,470.55 |
| ID | $1,347.13 | $1,632.11 | $1,921.59 | $2,609.61 |
| IL | $1,973.79 | $2,380.90 | $2,838.49 | $3,887.63 |
| IN | $1,231.70 | $1,526.86 | $1,753.24 | $2,011.63 |
| KS | $1,744.07 | $1,997.23 | $2,346.29 | $3,442.84 |
| KY | $2,182.03 | $2,627.86 | $3,087.95 | $3,693.72 |
| LA | $3,321.62 | $3,965.32 | $4,611.20 | $5,514.32 |
| MA | $1,374.38 | $1,537.36 | $1,784.07 | $3,027.34 |
| MD | $2,158.09 | $2,323.31 | $2,645.44 | $3,849.72 |
| ME | $1,109.22 | $1,219.90 | $1,459.07 | $2,047.78 |
| MI | $2,912.07 | $3,173.82 | $3,633.49 | $4,760.60 |
| MN | $2,126.06 | $2,531.74 | $2,706.41 | $4,082.21 |
| MO | $2,030.33 | $2,215.48 | $2,457.96 | $3,399.34 |
| MS | $1,605.09 | $1,785.35 | $2,050.33 | $2,783.74 |
| MT | $1,531.17 | $1,868.12 | $1,901.51 | $2,826.76 |
| ND | $1,425.96 | $1,760.03 | $2,018.24 | $2,822.98 |
| NE | $1,768.34 | $2,003.27 | $2,226.95 | $3,324.55 |
| NH | $1,472.06 | $1,711.29 | $1,981.71 | $2,462.79 |
| NM | $1,705.93 | $1,986.84 | $2,372.58 | $3,121.71 |
| NV | $2,340.32 | $2,643.85 | $2,948.75 | $4,343.35 |
| NY | $3,348.28 | $3,402.69 | $3,402.69 | $4,893.09 |
| OH | $1,135.07 | $1,257.56 | $1,521.70 | $1,999.49 |
| OK | $2,341.22 | $2,880.43 | $3,362.41 | $4,112.53 |
| OR | $1,878.71 | $2,199.05 | $2,623.09 | $3,647.75 |
| PA | $1,442.82 | $1,612.21 | $1,992.43 | $2,126.01 |
| RI | $3,139.23 | $3,333.54 | $4,263.97 | $6,559.16 |
| SC | $2,706.69 | $3,032.40 | $3,341.10 | $4,618.87 |
| TN | $1,992.65 | $2,470.89 | $2,984.18 | $3,509.42 |
| TX | $1,857.94 | $2,132.76 | $2,737.15 | $3,223.73 |
| UT | $1,957.81 | $2,193.89 | $2,476.70 | $3,335.98 |
| VA | $1,439.40 | $1,656.08 | $1,869.23 | $2,468.83 |
| VT | $1,450.28 | $1,612.57 | $1,830.96 | $2,720.40 |
| WA | $1,664.33 | $1,966.78 | $2,409.13 | $3,008.40 |
| WI | $1,554.36 | $1,773.31 | $1,959.72 | $2,651.10 |
| WV | $2,338.74 | $2,851.73 | $2,765.94 | $3,946.53 |
| WY | $2,184.09 | $2,380.48 | $2,649.43 | $3,904.12 |
Staying safe and courteous on the roads can save you money down the line.
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Available Car Insurance Discounts
USAA Insurance provides discounts on car insurance if you’re storing your car on a military installation, maintain good grades, or you have a clean driving record. Your car can also qualify for additional discounts if it is less than three years old or is equipped with anti-theft technology.
Finally, your policy qualifies for additional discounts with multiple policies and multiple cars. Families also gain discounts for staying with USAA for loyalty.
How do Liberty Mutual vs. USAA car insurance compare?
Liberty Mutual is the highest rated car insurance company, but the best insurance company will be different for customers based on circumstances and need. Understand how to navigate auto insurance so you can prepare before you buy.
Did we miss anything in this guide? You can get free quotes from Liberty Mutual and USAA today when you enter your ZIP code into our comparison tool.
Frequently Asked Questions
What is the difference between Liberty Mutual and USAA car insurance?
The main difference between Liberty Mutual and USAA car insurance lies in their target customer base. Liberty Mutual is a large insurance company that provides coverage to a wide range of customers, while USAA (United Services Automobile Association) primarily serves military members, veterans, and their families. USAA is known for its exceptional customer service and tailored offerings for the military community.
Which car insurance company is recommended by experts: Liberty Mutual or USAA?
Experts generally recommend USAA car insurance over Liberty Mutual. USAA consistently receives high ratings for customer satisfaction, claims handling, and affordability. The company’s dedication to serving military personnel and their families, along with its competitive rates and comprehensive coverage options, make it a top choice among experts.
What factors should I consider when choosing between Liberty Mutual and USAA?
When deciding between Liberty Mutual and USAA car insurance, it’s important to consider the following factors: a) Target customer base: USAA primarily serves the military community, while Liberty Mutual caters to a broader customer base. b) Customer satisfaction: USAA is known for its exceptional customer service and consistently receives high ratings in this aspect. c) Pricing: Obtain quotes from both companies and compare the rates for your specific needs and circumstances. d) Coverage options: Assess the coverage options offered by each company and ensure they meet your requirements. e) Additional benefits: Consider any additional benefits or discounts provided by either insurer, such as roadside assistance or accident forgiveness.
Does USAA offer better rates compared to Liberty Mutual?
USAA car insurance tends to offer competitive rates and is often considered more affordable than Liberty Mutual. However, individual rates can vary based on factors like location, driving history, and the type of vehicle insured. It’s recommended to obtain quotes from both companies and compare them to determine which offers the best rates for your specific situation.
Is Liberty Mutual a reputable insurance company?
Yes, Liberty Mutual is a well-established and reputable insurance company with a long history in the industry. They offer a wide range of insurance products, including car insurance, and have a large customer base. However, it’s important to compare their offerings, rates, and customer satisfaction ratings with other insurers to make an informed decision.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
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