Allstate vs. Liberty Mutual Car Insurance for 2021
Allstate and Liberty Mutual are both top-rated car insurance companies. Although Allstate auto insurance rates are cheaper, Liberty Mutual has more discounts. Several personal factors determine whether Allstate vs. Liberty Mutual car insurance rates will be cheap for you. Shop around and compare Allstate vs. Liberty Mutual car insurance quotes to find the best rates.
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Written by
D. Gilson, PhD
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Reviewed by
Jeffrey Johnson
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UPDATED: May 1, 2021
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- Allstate insurance is $99 cheaper per month than Liberty Mutual car insurance
- Liberty Mutual Insurance has more discounts than Allstate car insurance
- Considering Allstate vs. Liberty Mutual home insurance can save you at least 12 percent on insurance if you bundle your policies
If you have narrowed down your car insurance options to Allstate and Liberty Mutual, you probably want to compare Allstate vs. Liberty Mutual car insurance rates.
Each company determines its own rates. The cost of your car insurance policy with either Allstate or Liberty Mutual also depends on several personal factors, like your driving record and location.
Read through our Allstate vs. Liberty Mutual car insurance guide to compare rates, coverage options, and third-party ratings.
Read on to learn all about Allstate vs. Liberty Mutual. Enter your ZIP code in the free comparison tool above to compare quotes from multiple companies in your area.
Table of Contents
Allstate vs. Liberty Mutual Car Insurance: Which company is the cheapest?
Let’s take a look at some Allstate vs. Liberty Mutual car insurance quotes. On average, Allstate car insurance costs $407 per month, but Liberty Mutual car insurance is $506 per month. Therefore, Allstate is the cheaper company.
However, when you look at factors that affect the price of car insurance, your rates could vary. Finding affordable Allstate vs. Liberty Mutual car insurance for you depends on personal factors.
Continue reading to see how your age, credit score, and driving record could impact Allstate vs. Liberty Mutual auto insurance.
Allstate vs. Liberty Mutual Car Insurance: Which company is cheapest by age?
Auto insurance companies ask for your age when you get a quote because it correlates to your driving experience.
But how do Allstate and Liberty Mutual set rates based on this factor? Let’s compare Allstate vs. Liberty Mutual auto insurance rates based on age.
| Age of Drivers | Allstate Average Monthly Car Insurance Rates | Liberty Mutual Average Monthly Car Insurance Rates |
|---|---|---|
| 60-Year-Old Driver | $246 | $297 |
| 35-Year-Old Driver | $262 | $319 |
| 25-Year-Old Driver | $291 | $353 |
| 17-Year-Old Driver | $830 | $1,056 |
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Allstate auto insurance is more affordable than Liberty Mutual when looking at age-based monthly premiums.
Teen auto insurance is more expensive regardless of the company. Focus on discounts for student drivers to slash prices and get more for your money.
Allstate vs. Liberty Mutual Car Insurance: Which company is cheapest by credit score?
Did you know your credit affects your car insurance policy? According to Experian, customers with good or excellent credit are given cheaper rates because they’re less likely to file a claim.
What about customers who have fair or poor credit scores? Let’s review how Allstate and Liberty Mutual calculate credit-based car insurance rates.
| Credit History Summary | Allstate Average Monthly Car Insurance Rates | Liberty Mutual Average Monthly Car Insurance Rates |
|---|---|---|
| Good Credit (670-739) | $322 | $366 |
| Fair Credit Score (580-669) | $382 | $467 |
| Poor Credit Score (300-579) | $541 | $734 |
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Policyholders with good credit pay the least in auto insurance rates; those with poor credit pay almost $400 more.
Monitor your credit score frequently. Any positive changes to your credit score can help you save money on car insurance, but you’ll have to alert your insurance service provider when it happens.
Allstate vs. Liberty Mutual Car Insurance: Which company is cheapest by driving record?
Driving record is one of the most significant factors when determining the cost of car insurance. A driver with no infractions can more easily find cheap auto insurance.
Does that hold true for Allstate and Liberty Mutual? Let’s see.
| Driving Record Summary | Allstate Average Monthly Car Insurance Rates | Liberty Mutual Average Monthly Car Insurance Rates |
|---|---|---|
| Clean Driving Record | $318 | $398 |
| With 1 Speeding Violation | $374 | $475 |
| With 1 Accident | $416 | $517 |
| With 1 DUI | $522 | $634 |
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Allstate remains the cheaper company, with Liberty Mutual rates coming in at about $100 more.
As you can see, a clean driving record will score you the cheapest rates. Accidents and DUI convictions can drive up your rates quite a bit higher.
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Comparing Allstate vs. Liberty Mutual Car Insurance Coverage Options
Affordable auto insurance may not come with a lot of coverage. That’s why it’s essential to follow through and see which company offers the best coverage for what you can afford to pay.
What additional features do Allstate and Liberty Mutual offer? Let’s compare the coverage options at both companies.
| Allstate Car Insurance Coverages | Liberty Mutual Car Insurance Coverages |
|---|---|
| Collision coverage | Bodily Injury Liability |
| Comprehensive coverage | Property Damage Liability |
| Bodily Injury Liability | Medical Payments coverage |
| Property Damage Liability | Collision Coverage |
| Uninsured & Underinsured Motorist Coverage | Comprehensive Coverage |
| Rental Reimbursement Coverage | Uninsured & Underinsured Motorist Coverage |
| Personal Umbrella Policy | Personal Injury Protection |
| Personal Injury Protection | GAP Coverage |
| Sound System Insurance | Rental Car Reimbursement |
| Roadside Assistance | Roadside Assistance |
| Classic Auto Insurance | Accident Forgiveness |
| Travel Auto Insurance to Mexico | |
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Liberty Mutual Insurance is at a slight disadvantage. Allstate has several specialty car insurance coverages, such as classic car insurance and sound system insurance.
Comparing Allstate vs. Liberty Mutual Car Insurance Discounts
As you’re getting your quote, you’ll notice that you’re eligible for specific deals based on personal factors. Under the right circumstances, you can significantly lower your monthly rates through discounts.
What special and standard car insurance discounts do Allstate and Liberty Mutual provide? Let’s find out.
| Car Insurance Discounts | Allstate Availability | Liberty Mutual Availability |
|---|---|---|
| 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 | |
| VIN Etching | x | |
| Lane Departure Warning | x | x |
| Newer Vehicle | x | |
| Green Vehicle | x | |
| Forward Collision Warning | x | x |
| Claim Free | x | x |
| Continuous Coverage | x | |
| Defensive Driver | x | x |
| Distant Student | x | |
| Driver's Ed | x | x |
| Driving Device/App | x | x |
| Early Signing | ||
| Emergency Deployment | ||
| Engaged Couple | ||
| Family Legacy | ||
| Family Plan | x | |
| Farm Vehicle | ||
| Fast 5 | ||
| Federal Employee | x | x |
| Full Payment | x | |
| Further Education | x | |
| Garaging/Storing | ||
| Good Credit | x | |
| Good Student | x | |
| Homeowner | x | x |
| Life Insurance | x | |
| Low Mileage | x | |
| Loyalty | ||
| Married | x | |
| Membership/Group | x | x |
| Military | x | |
| Military Garaging | ||
| Multiple Drivers | x | |
| Multiple Policies | x | |
| Multiple Vehicles | x | |
| New Address | x | |
| New Customer/New Plan | x | |
| New Graduate | x | |
| Newly Licensed | x | |
| Newlyweds | x | |
| Non-Smoker/Non-Drinker | ||
| Occasional Operator | x | |
| Occupation | x | x |
| On Time Payments | ||
| Online Shopper | x | |
| Paperless Documents | x | |
| Paperless/Auto Billing | x | x |
| Passive Restraint | x | |
| Recent Retirees | x | |
| Renter | ||
| Roadside Assistance | x | |
| Safe Driver | ||
| Seat Belt Use | x | |
| Senior Driver | ||
| Stable Residence | ||
| Students & Alumni | x | |
| Switching Provider | x | |
| Volunteer | ||
| Young Driver | x | |
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Although Liberty Mutual is more expensive, it has more discounts than Allstate. Before you decide whether to buy Allstate vs. Liberty Mutual car insurance, find out which discounts you qualify for.
If you qualify for several discounts at Liberty Mutual, you may get cheaper than average rates. The only way to know for sure is to get a quote.
Bundling Other Insurance Products with Allstate or Liberty Mutual Car Insurance
Speaking of coverages, consider bundling if you’re a homeowner. Comparing Allstate vs. Liberty Mutual home insurance opens up a way for you to save on insurance overall.
By bundling various insurance products, you can save about 12 percent on your total insurance bill.
Allstate vs. Liberty Mutual: Which car insurance company do consumers say is best?
Before you make the final decision to buy any car insurance policy, you should review a company’s ratings.
Although Allstate overviews and Liberty Mutual overviews might do well to give you a basic understanding of the company, it’s essential to look at what other customers say.
So, how do consumers rate Allstate and Liberty Mutual? Let’s look at the most recent ratings.
| Agencies | Allstate Ratings | Liberty Mutual Ratings |
|---|---|---|
| AM Best | A+ | A |
| Moody's | A3 | A2 |
| S&P | AA- | A |
| NAIC Complaint Index | 0.41 | 1.62 |
| J.D. Power - Power Circle Ratings | About Average | About Average |
| Consumer Reports | 88 | 88 |
| Apple App Store (iOS) | 5 stars | 5 stars |
| Google Play Store (Android) | 4 stars | 4 stars |
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Overall, Allstate ratings are much better than Liberty Mutual. However, Liberty Mutual has a better Moody’s rating.
Allstate’s consumer complaint data shows it had fewer than average complaints in 2020.
However, Allstate and Liberty Mutual had the same average rating under J.D. Power’s Auto Insurance and Claims Satisfaction Study. Also, both companies have the same mobile app ratings.
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Allstate vs. Liberty Mutual: What’s the bottom line?
Allstate is cheaper, but it’s more expensive when compared to other top companies. Liberty Mutual can be just as affordable under the right discounts. It all depends on the personal factors that determine car insurance.
Hopefully, this comparison of Allstate vs. Liberty Mutual was helpful. Use our free online quote tool to compare the top car insurance companies near you right now.