D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

Full Bio →

Written by

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has appeared on legaladvice.com, themanifest.com, and vice.com.

Full Bio →

Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: May 1, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company 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 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 car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.

Just the Basics

  • 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.

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.

Allstate vs. Liberty Mutual Average Monthly Car Insurance Rates by Age
Age of DriversAllstate Average Monthly Car Insurance RatesLiberty 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
Get Your Rates Quote Now

Compare RatesStart Now →

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.

Allstate vs. Liberty Mutual Average Monthly Car Insurance Rates by Credit Scores
Credit History SummaryAllstate Average Monthly Car Insurance RatesLiberty 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
Get Your Rates Quote Now

Compare RatesStart Now →

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.

Allstate vs. Liberty Mutual Average Monthly Car Insurance Rates by Driving Records
Driving Record SummaryAllstate Average Monthly Car Insurance RatesLiberty 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
Get Your Rates Quote Now

Compare RatesStart Now →

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.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

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 vs. Liberty Mutual Car Insurance Coverages
Allstate Car Insurance CoveragesLiberty Mutual Car Insurance Coverages
Collision coverageBodily Injury Liability
Comprehensive coverageProperty Damage Liability
Bodily Injury LiabilityMedical Payments coverage
Property Damage LiabilityCollision Coverage
Uninsured & Underinsured Motorist CoverageComprehensive Coverage
Rental Reimbursement CoverageUninsured & Underinsured Motorist Coverage
Personal Umbrella PolicyPersonal Injury Protection
Personal Injury ProtectionGAP Coverage
Sound System InsuranceRental Car Reimbursement
Roadside AssistanceRoadside Assistance
Classic Auto InsuranceAccident Forgiveness
Travel Auto Insurance to Mexico
Get Your Rates Quote Now

Compare RatesStart Now →

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.

Allstate vs. Liberty Mutual Special and Standard Car Insurance Discounts
Car Insurance DiscountsAllstate AvailabilityLiberty Mutual Availability
Adaptive Cruise Controlx
Adaptive Headlightsxx
Anti-lock Brakesxx
Anti-Theftxx
Daytime Running Lightsxx
Electronic Stability Controlxx
Utility Vehiclex
Vehicle Recoveryx
VIN Etchingx
Lane Departure Warningxx
Newer Vehiclex
Green Vehiclex
Forward Collision Warningxx
Claim Freexx
Continuous Coveragex
Defensive Driverxx
Distant Studentx
Driver's Edxx
Driving Device/Appxx
Early Signing
Emergency Deployment
Engaged Couple
Family Legacy
Family Planx
Farm Vehicle
Fast 5
Federal Employeexx
Full Paymentx
Further Educationx
Garaging/Storing
Good Creditx
Good Studentx
Homeownerxx
Life Insurancex
Low Mileagex
Loyalty
Marriedx
Membership/Groupxx
Militaryx
Military Garaging
Multiple Driversx
Multiple Policiesx
Multiple Vehiclesx
New Addressx
New Customer/New Planx
New Graduatex
Newly Licensedx
Newlywedsx
Non-Smoker/Non-Drinker
Occasional Operatorx
Occupationxx
On Time Payments
Online Shopperx
Paperless Documentsx
Paperless/Auto Billingxx
Passive Restraintx
Recent Retireesx
Renter
Roadside Assistancex
Safe Driver
Seat Belt Usex
Senior Driver
Stable Residence
Students & Alumnix
Switching Providerx
Volunteer
Young Driverx
Get Your Rates Quote Now

Compare RatesStart Now →

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.

Allstate vs. Liberty Mutual Financial Strength and Customer Review Ratings
AgenciesAllstate RatingsLiberty Mutual Ratings
AM BestA+A
Moody'sA3A2
S&PAA-A
NAIC Complaint Index0.411.62
J.D. Power - Power Circle RatingsAbout AverageAbout Average
Consumer Reports8888
Apple App Store (iOS)5 stars5 stars
Google Play Store (Android)4 stars4 stars
Get Your Rates Quote Now

Compare RatesStart Now →

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.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

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.