Liberty Mutual vs. Geico Car Insurance Comparison
Liberty Mutual offers more discounts, but Geico averages cheaper auto insurance rates. Both companies have high financial and customer satisfaction ratings, but Geico comes out ahead.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
UPDATED: Sep 13, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 13, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our 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.
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Liberty Mutual and Geico are two of the country’s most prominent car insurance companies. While both offer multiple types of coverage, their auto insurance rates, discounts, and satisfaction ratings vary.
We’ll compare Liberty Mutual and Geico head-to-head to help you determine which company offers the best coverage and rates. We’ll also cover financial and customer service ratings so you can find a dependable company.
Read our Geico and Liberty Mutual comparison to learn more about each company and see which one is right for you.
- Geico typically has cheaper car insurance rates for most drivers
- Liberty Mutual provides more discounts and variety of coverage
- Geico has a higher financial stability rating, but Liberty Mutual scores higher on customer service
Liberty Mutual Car Insurance vs. Geico Car Insurance
Liberty Mutual and Geico car insurance may offer similar coverages, but each company’s rates, discounts, and ratings differ. Keep reading as we break down what each company can provide you.
Liberty Mutual
Liberty Mutual auto insurance coverage options include liability, collision, comprehensive, and personal injury protection (PIP). The company also provides coverages that are harder to come by, including GAP, new car replacement, and rideshare coverage.
While Liberty Mutual allows drivers to save money by bundling policies and discounts, it has many complaints. As a result, drivers who want excellent customer service or the lowest rates may skip Liberty Mutual.
Geico
Geico auto insurance also provides the standard coverage options listed above. Although it doesn’t offer the numerous additional coverages that Liberty Mutual does, Geico does sell mechanical breakdown coverage. This unique coverage helps pay for mechanical repairs, such as getting a new clutch or engine issues.
Geico is the second largest car insurance company in the U.S., largely due to the low rates offered to most drivers. However, available coverages and discounts may not meet some drivers’ needs.
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Liberty Mutual vs. Geico: Which one offers the best car insurance?
Car insurance is very personalized, and not one size fits all. For example, while some drivers may feel that Geico is the best since rates tend to be low, other drivers choose Liberty Mutual for more coverage options.
Since both companies are among the top insurers in the country, it’s essential to compare rates, ratings, and discounts to see which fits your needs the best. Remember, it’s not all about price.
So, compare auto insurance quotes from Liberty Mutual and Geico and check out their ratings and discounts to find the best company for you.
How do Liberty Mutual and Geico car insurance rates compare?
Many factors affect car insurance rates and determine whether Geico or Liberty Mutual is the cheapest for you. Your age, driving record, and credit score are just a few variables used to calculate Geico and Liberty Mutual car insurance rates. Your coverage level also makes a big difference.
For example, Geico’s full coverage costs around half the price offered by Liberty Mutual. So, Liberty Mutual is not cheaper than Geico.
But, why is Liberty Mutual so expensive? Again, it depends on the driver.
Since each driver’s personal factors differ, rates will vary. We compare average auto insurance by demographic below to give you an idea of what to expect.
How much is car insurance from Geico and Liberty Mutual based on driving records?
One of the most significant factors affecting car insurance rates is your driving record. Auto insurance companies use your driving record to indicate if you’ll cost them money. As a result, risky drivers see much higher car insurance rates than drivers with clean records.
This table shows the average monthly auto insurance quotes from Geico and Liberty Mutual based on your driving record.
Auto Insurance Monthly Rates by Driving Record & Provider
Insurance Company One Ticket Clean Record One DUI One Accident
$195 $166 $303 $237
$131 $116 $177 $167
$139 $111 $201 $175
$176 $140 $191 $199
$217 $177 $325 $237
$145 $120 $252 $165
$143 $109 $147 $190
$102 $91 $124 $107
$148 $107 $230 $157
U.S. Average $152 $123 $218 $177
Geico monthly car insurance costs are significantly lower for drivers with infractions on their driving record. Liberty Mutual may not be a good choice for high-risk drivers.
How much is Geico vs. Liberty Mutual based on age?
Young drivers pay higher car insurance rates since they lack experience and are more likely to be in an accident. Conversely, older drivers typically see lower car insurance rates since they have more time behind the wheel.
This table shows the average Liberty Mutual and Geico monthly car insurance rates based on age.
Full Coverage Auto Insurance Monthly Rates by Age, Gender, & Provider
Insurance Company Age: 18 Female Age: 18 Male Age: 30 Female Age: 30 Male Age: 45 Female Age: 45 Male Age: 65 Female Age: 65 Male
$328 $378 $99 $103 $88 $86 $86 $84
$448 $519 $168 $176 $162 $160 $158 $157
$305 $414 $116 $137 $115 $117 $113 $114
$405 $461 $125 $128 $114 $111 $111 $109
$597 $629 $160 $167 $139 $139 $136 $136
$220 $254 $90 $87 $80 $80 $78 $78
$626 $626 $174 $200 $171 $174 $167 $170
$283 $318 $87 $91 $78 $77 $77 $76
$303 $387 $124 $136 $113 $115 $111 $112
$591 $662 $131 $136 $112 $105 $109 $103
$253 $292 $77 $79 $72 $71 $71 $69
$229 $284 $94 $103 $86 $86 $84 $84
$407 $469 $126 $133 $115 $113 $112 $109
$530 $740 $99 $108 $98 $99 $96 $97
$180 $203 $74 $79 $59 $59 $58 $57
U.S. Average $416 $501 $128 $139 $119 $119 $117 $117
Once again, Geico’s quotes are more affordable, especially for teen drivers. Teens can save around $250 a month by choosing Geico over Liberty Mutual.
How much is Liberty Mutual vs. Geico based on credit score?
You may not be aware that your credit score affects your Liberty Mutual and Geico insurance rates. Drivers with a higher credit score are less likely to file an insurance claim and will pay for damages out of pocket. Thus, rates are lower.
How much does Geico car insurance cost on average for drivers with bad credit? What’s Liberty Mutual’s average car insurance cost?
This table shows the average monthly car insurance rates based on credit scores from Liberty Mutual and Geico.
Full Coverage Auto Insurance Monthly Rates by Provider & Credit Score
Insurance Company Good Credit Fair Credit Bad Credit
$135 $165 $245
$166 $197 $296
$116 $136 $203
$95 $115 $175
$140 $161 $269
$82 $100 $148
$177 $226 $355
$120 $133 $166
$109 $138 $206
$91 $118 $200
$120 $155 $230
$107 $128 $194
U.S. Average $123 $148 $226
Geico provides the lowest car insurance rates regardless of credit score. However, keep in mind that some states, like California, don’t allow insurers to use credit scores to calculate rates. Check your state insurance laws as you compare Liberty Mutual vs. Geico auto insurance to get the best possible coverage.
Financial Strength and Customer Satisfaction Ratings for Liberty Mutual and Geico
While rates are essential when choosing a car insurance company, consumer ratings are also important. You need to know that you can depend on your company when you need it. Cheap rates aren’t helpful when you can’t get good customer service.
Keep reading to learn how Liberty Mutual and Geico compare in financial strength and customer satisfaction.
Does Liberty Mutual or Geico have better ratings?
A.M. Best rates companies based on financial strength. Liberty Mutual received an A rating, showing an excellent ability to meet financial obligations. Geico received an A++, which shows a superior ability to meet financial commitments.
J.D. Power rates companies on customer satisfaction, including billing, products offered, customer service, and claims. Both Liberty Mutual and Geico scored average on claims satisfaction. However, Liberty Mutual scored above average on customer service, and Geico scored average.
When it comes to the Better Business Bureau, both Liberty Mutual and Geico have A+ ratings and are accredited.
Liberty Mutual and Geico offer financial stability as well as average customer satisfaction. However, Liberty Mutual does score slightly higher on customer service.
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Does Liberty Mutual or Geico offer better discounts?
Most car insurance companies offer discounts to lower rates, including Liberty Mutual and Geico. However, since each insurer offers different discounts and savings, don’t expect to get the same deals at each company.
While some discounts are similar, there are some differences as well. For example, Liberty Mutual offers discounts for various vehicle safety features and married couples. Geico does not.
On the other hand, Geico car insurance discounts include continuous coverage, loyalty, and safe driving.
In general, Liberty Mutual offers more discounts than Geico, which can reduce the higher rates typically seen by Liberty Mutual. Discount amounts also differ. For example, Liberty Mutual offers a 20% discount for multiple policies. Geico’s multi-policy discount is only 10%.
When choosing a car insurance company, be sure to compare discounts as well as rates and ratings. Since savings vary from company to company, discounts can determine which company is the cheapest for you.
Telematics Programs from Liberty Mutual and Geico
Liberty Mutual and Geico offer discounts for participating in their usage-based car insurance programs. Each company uses telematics to monitor driving habits and provides a discount based on how well you score.
While both insurers offer a discount based on safe driving, they differ when it comes to which habits they monitor and how much you can save.
Liberty Mutual
Liberty Mutual RightTrack uses an app to monitor driving behaviors such as speeding, hard braking, and the time of day you drive. Drivers with safe driving habits can save up to 30%, and rates don’t increase for scoring poorly.
Liberty Mutual also offers ByMile for low-mileage drivers. While coverages are the same as traditional insurance, drivers pay a small base rate and a per-mile charge. Rates are typically lower than on a traditional policy as long as mileage stays low.
Geico
Geico DriveEasy also uses an app to track driving habits, including distracted driving, hard braking, and the time of day you drive. Safe drivers earn up to a 25% discount. However, Geico may raise your rates if DriveEasy reports risky driving.
Roadside Assistance from Geico Insurance Liberty Mutual Insurance
Roadside assistance helps drivers with car trouble. However, the exact coverages vary by company. In addition, goods aren’t covered. So, for example, if you run out of gas, you still must pay for the gas, but delivery is free.
Liberty Mutual and Geico offer drivers peace of mind if they need help on the side of the road. Each company offers slightly different services and prices. Keep reading to learn more about roadside assistance from Geico and Liberty Mutual.
Liberty Mutual Roadside Assistance
Liberty Mutual’s roadside assistance includes:
- Jump starts
- Towing to the nearest qualified repair shop
- Changing a flat tire
- Fuel delivery
- Locksmith services
These services are available 24/7 and can be accessed through the Liberty Mutual app or by calling 1-800-426-9898.
Geico Roadside Assistance
Geico roadside assistance coverage includes:
- Towing to the nearest repair shop within 20 miles
- Jump starts
- Changing a flat tire
- Locksmith services up to $100
- Winching
- Fuel delivery
Geico also offers assistance 24/7 and can be accessed through the Geico app or by calling Geico’s roadside assistance contact number: 1-800-424-3426.
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Liberty Mutual vs. Geico Auto Insurance: The Bottom Line
Liberty Mutual and Geico are two of the top insurance companies in the nation. Both companies provide a variety of coverages and have similar ratings. However, Geico tends to be the cheapest, and Liberty Mutual offers more discounts and specialty coverages.
Whether Liberty Mutual or Geico is the best insurance company depends on the driver. While some drivers may need specialty coverage like rideshare insurance, other drivers may need the cheapest rates available.
Remember, rates vary by driver. So when shopping for car insurance, it’s vital to compare the coverages, rates, discounts, and consumer ratings to find your best fit.
Frequently Asked Questions
Is Liberty Mutual or Geico better?
Whether Liberty Mutual or Geico is better depends on the driver. For example, high-risk drivers like teens and those with infractions on their driving records tend to find cheaper coverage with Geico.
Who is cheaper, Geico or Liberty Mutual?
Again, this depends on the driver. Since many factors affect the cost of car insurance, each driver receives different rates from Liberty Mutual and Geico. Compare Geico car insurance quotes and Liberty Mutual insurance quotes to see which one is cheaper for you.
Is Liberty Mutual and Geico the same company?
No, Geico and Liberty Mutual are not the same company. However, Geico does use Liberty Mutual to provide homeowners insurance in certain circumstances.
What is the difference between Liberty Mutual and Geico car insurance?
Liberty Mutual and Geico Insurance are both well-known insurance providers, but there are some key differences between them. Liberty Mutual is a mutual company, meaning it is owned by its policyholders, while Geico is a subsidiary of Berkshire Hathaway. Additionally, their coverage options, discounts, pricing, and customer service may vary.
Is Liberty Mutual cheaper than Geico?
The car insurance rates offered by Liberty Mutual and Geico can vary depending on several factors, including your location, driving history, type of vehicle, and coverage needs. To find out who is cheaper, whether Geico or Liberty Mutual, it’s recommended to obtain personalized quotes from both companies and compare them to determine which one offers better rates for your specific circumstances.
What coverage options are available with Liberty Mutual and Geico?
Both Liberty Mutual and Geico offer a range of coverage options for car insurance, including liability coverage, collision coverage, comprehensive coverage, medical payments coverage, and uninsured/underinsured motorist coverage. However, the specific coverage options, limits, and additional features may differ between the two companies. It’s important to review the details of each company’s policies to understand their offerings.
Do Liberty Mutual and Geico provide similar discounts?
Both Liberty Mutual and Geico offer various discounts to help policyholders save on their car insurance premiums. Common discounts may include safe driver discounts, multi-policy discounts, multi-vehicle discounts, good student discounts, and discounts for certain safety features installed in your vehicle. However, the availability and specifics of these discounts can vary between the two companies.
How is the customer service of Liberty Mutual compared to Geico?
Evaluating customer service experiences can be subjective, as it can vary from person to person. Both Liberty Mutual and Geico have customer service departments that handle inquiries, claims, and policy management. It’s recommended to research customer reviews, ratings, and feedback about their customer service experiences to get a better understanding of how they compare.
Is Geico or Liberty Mutual better?
Whether Liberty Mutual is better than Geico or vice versa depends on individuals needs. Both companies have strengths and weaknesses. Liberty Mutual provides more customizable policies, while Geico is known for its competitive rates and strong customer service.
Does Liberty Mutual own Geico?
No, Geico is not owned by Liberty Mutual. They’re separate companies, Liberty Mutual is not part of Geico. Geico is a subsidiary of Berkshire Hathaway, while Liberty Mutual is a mutual insurance company owned by its policyholders.
How do you obtain a quote for auto insurance with Geico?
To get insurance quotes from Geico, visit the Geico website, click on “Get a Quote”, and enter the required information, such as your vehicle details, personal information, and driving history.
Does car insurance go down at 25 with Geico?
Yes, Geico insurance quotes often decrease when drivers turn 25, as they are considered less risky than younger drivers.
Does Liberty Mutual offer gap insurance?
Yes, Liberty Mutual offers gap coverage, which helps pay the difference between what you owe on your car loan or lease and the car’s actual cash value if it’s totaled in an accident.
How much is Geico auto insurance?
So, how much is Geico insurance per month? Geico auto insurance quotes average $130 for liability-only coverage. The price of Geico’s full coverage averages $183 per month.
Is Geico a good car insurance company?
Geico is considered a good car insurance company for its competitive rates, strong customer service, and extensive online tools.
Is Liberty Mutual a good auto insurance company?
Liberty Mutual is considered a good auto insurance provider because it offers a variety of customizable coverage options and discounts.
Does Geico provide commercial vehicle insurance?
Geico offers coverage for a variety of commercial vehicles, including cars, trucks, and vans.
Does Geico offer new car replacement coverage?
No, Geico does not offer new car replacement coverage.
Why is Geico so much cheaper?
Geico operates primarily online, reducing the need for physical offices and agents. It also offers fewer optional coverages compared to some competitors, which helps keep their rates lower.
In addition, Geico has a variety of discounts which can significantly reduce the overall cost of insurance.
How much is Liberty Mutual car insurance?
Car insurance quotes from Liberty Mutual range between $110 and $130 per month.
What’s Liberty Mutual quote phone number?
You can obtain a quote from Liberty Mutual by calling their customer service phone number: 1-800-295-2820
What’s Geico’s phone number?
Geico’s customer service phone number for obtaining a quote or for general inquiries is: 1-800-947-AUTO (1-800-947-2886)
Who is cheaper than Liberty Mutual?
Several companies are know to offer more affordable rates than Liberty Mutual:
- Geico: Known for its competitive rates and discounts.
- State Farm: Often offers lower premiums, especially for good drivers and those bundling multiple policies.
- Progressive: Known for competitive pricing and the Name Your Price tool.
Does Liberty Mutual offer mechanical breakdown insurance?
No, Liberty Mutual does not typically offer mechanical breakdown insurance.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.