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Allstate and Liberty Mutual are both large national insurance companies that rank in the top five for market share of private passenger auto insurance. Allstate offers cheaper auto insurance premiums to drivers across all demographics with an average monthly rate of $101 compared to $146 for Liberty Mutual.
Both companies also offer a wide range of insurance coverage options and help drivers save with a variety of discounts.
We’ve done the research to compare Allstate and Liberty Mutual across a number of factors so you can choose the company that’s best for you.
Key Takeaways:
- Allstate offers cheaper average rates than Liberty Mutual across all driver demographics.
- Both companies have a telematics program that can help good drivers save money on car insurance.
- Allstate and Liberty Mutual offer a wide range of coverage options, but Allstate includes one extra type — mechanical breakdown insurance.
How Liberty Mutual and Allstate Stack Up
While price is an important factor when shopping for car insurance, it’s not the only thing to consider. We’ve researched dozens of car insurance companies and given each a Compare.com Rating that considers price, customer satisfaction, ease of use, availability, and industry reputation.
| Category | Allstate | Liberty Mutual |
|---|---|---|
| Cost | 5/5 | 4.7/5 |
| Customer satisfaction | 3.7/5 | 3.3/5 |
| Ease of use | 4.8/5 | 5/5 |
| Availability | 5/5 | 5/5 |
| Industry reputation | 4.7/5 | 3.7/5 |
| Overall Score* | 4.93/5 | 4.62/5 |
| *Company ratings for each category are determined using our proprietary, objective rating formula. You can find more information on our unique scoring methodology at the bottom of this article. | ||
Allstate scores higher in all categories except “ease of use” and gets a perfect score for price. Both companies get a high availability score and receive their lowest score for customer satisfaction.
Allstate vs. Liberty Mutual: Breaking Down Average Rates
Auto insurance rates can vary between drivers — sometimes dramatically. Factors like your age, gender, credit history, location, and driving record can all affect your premiums.
Check out the following table to see how Allstate and Liberty Mutual stack up against the industry average on different rating factors, according to our research.
| Factor | Allstate | Liberty Mutual | Industry Average |
|---|---|---|---|
| Overall average | $101 | $146 | $158 |
| Liability coverage | $64 | $95 | $106 |
| Full coverage | $138 | $197 | $210 |
| At-fault accident | $124 | $209 | $181 |
| DUI | $157 | $226 | $203 |
| Poor credit | $108 | $179 | $162 |
| Teens | $174 | $236 | $232 |
| Seniors | $77 | $112 | $103 |
The table above lists specific averages for different driver types, but prices can still vary widely, especially depending on your location. Researching multiple insurance companies and getting quotes to compare prices can help you find the policy that’s right for you.
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Liberty Mutual vs. Allstate: Average Car Insurance Rates by State
The price of car insurance premiums can vary greatly between states. Factors like state insurance requirements, accident rates, the cost of medical care and car repairs, and more can influence premiums. So can the cost and frequency of litigation and the prevalence of auto insurance fraud.
The table below shows the average car insurance rates for Allstate and Liberty Mutual for different states, according to Compare.com data.
| State | Allstate | Liberty Mutual |
|---|---|---|
| Alabama | $59 | $143 |
| Arizona | $128 | $171 |
| Arkansas | $100 | $139 |
| Colorado | $115 | $183 |
| Connecticut | $192 | $153 |
| Delaware | $235 | $209 |
| Florida | $131 | $202 |
| Georgia | $95 | $178 |
| Illinois | $108 | $123 |
| Indiana | $104 | $127 |
| Iowa | $46 | $119 |
| Kentucky | $139 | $166 |
| Louisiana | $166 | $234 |
| Maine | $97 | $78 |
| Maryland | $307 | $181 |
| Mississippi | $91 | $142 |
| Missouri | $73 | $147 |
| Nebraska | $59 | $138 |
| Nevada | $130 | $236 |
| New Hampshire | $103 | $76 |
| New Jersey | $423 | $205 |
| New Mexico | $93 | $154 |
| North Carolina | $68 | $83 |
| Ohio | $132 | $104 |
| Oklahoma | $65 | $157 |
| Pennsylvania | $145 | $124 |
| Rhode Island | $324 | $157 |
| South Carolina | $119 | $192 |
| Tennessee | $67 | $121 |
| Texas | $74 | $187 |
| Utah | $162 | $128 |
| Vermont | $120 | $72 |
| Virginia | $112 | $123 |
| Washington | $111 | $140 |
| Washington, D.C. | $262 | $173 |
| West Virginia | $117 | $108 |
| Wisconsin | $103 | $97 |
Allstate vs. Liberty Mutual: Average Rates by Age
Age is another important factor insurers consider when calculating premiums. Generally, teens pay the highest monthly rate because they pose the greatest risk. Premiums tend to drop around age 25 and continue to go down as you get older.
The table below features the average car insurance rates from Allstate and Liberty Mutual for drivers of different age groups, according to Compare.com data.
| Age Group | Allstate | Liberty Mutual |
|---|---|---|
| Teens | $174 | $236 |
| 20s | $114 | $154 |
| 30s | $94 | $150 |
| 40s | $97 | $165 |
| 50s | $86 | $148 |
| 60s | $80 | $118 |
| 70s | $77 | $112 |
Cheaper for teens: Allstate
Teen drivers have a fatal crash rate that is almost three times as high as drivers 20 years and older, according to the Centers for Disease Control and Prevention (CDC). A lack of experience and the prevalence of risky behaviors like distracted driving and not wearing a seat belt are some of the main contributors.
The average monthly rates for teen drivers are $174 from Allstate and $236 from Liberty Mutual, according to our data.
Cheaper for seniors: Allstate
Senior drivers generally pay the lowest insurance rates of any age category. As a group, they tend to exhibit safe driving behaviors and are in the car less often, according to research from the Insurance Information Institute (Triple-I). Many insurers also offer discounts to drivers older than 55.
For 60-year-old drivers, Allstate charges an average of $80 per month, while Liberty Mutual charges $118, according to Compare.com data.
Liberty Mutual vs. Allstate: Average Rates by Driving Record
Another factor that car insurance companies use to determine the price of auto premiums is your driving record. Generally, the cleaner your record, the lower your premiums.
If you get a speeding ticket, are in an at-fault accident, or are caught driving under the influence (DUI), insurers are likely to view you as a high-risk driver, which can cause your rates to increase.
In some cases, having a DUI on your record can make it difficult to find coverage at all. In certain states, you may have to provide an SR-22 certificate to confirm you meet the state’s minimum auto insurance requirements.
Take a look at the following table to see how your driving record can affect your car insurance premiums.
| Driving Record | Allstate | Liberty Mutual |
|---|---|---|
| Clean record | $101 | $146 |
| Speeding ticket | $115 | $196 |
| At-fault accident | $124 | $209 |
| DUI | $157 | $226 |
Cheaper for good drivers: Allstate
If you want to secure the cheapest monthly car insurance premiums, focus on improving your driving habits. A clean driving record indicates that you’re a lower risk to insurers, and some insurance companies even offer “good driver” discounts.
Drivers with a clean record pay an average rate of $101 per month with Allstate and $146 with Liberty Mutual, according to Compare.com data.
Cheaper after a ticket: Allstate
You might think getting a speeding ticket is no big deal, but even one ticket can make you appear riskier to insurers and cause average rates to increase by 27% nationally, according to Compare.com data.
Factors including how fast you were going over the speed limit and how long it’s been since your last ticket can affect exactly how much your premiums increase.
Our research found that the average cost of car insurance for drivers with a speeding ticket is $115 per month with Allstate and $196 with Liberty Mutual.
Cheaper after an accident: Allstate
A recent at-fault accident on your driving record increases average premiums by 34% nationally, according to Compare.com data. If you have multiple accidents or serious traffic violations on your record, your insurer may even choose not to renew your policy.
Drivers with a recent accident on their record can expect to pay an average monthly rate of $124 with Allstate and $209 with Liberty Mutual, according to our research.
Cheaper after a DUI: Allstate
Depending on where you live, a DUI conviction can stay on your driving record for five years to a lifetime in states like Texas. A DUI conviction can also cause your insurance rates to increase significantly. In fact, the average national increase is 50% after a DUI, according to Compare.com data.
If you have a DUI conviction, you can find cheaper rates with Allstate, based on our research. It charges an average of $157 per month for drivers with a DUI, compared to $226 with Liberty Mutual.
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Comparing Liberty Mutual and Allstate Car Insurance Coverages
When searching for car insurance, you’ll probably notice many different types of coverage available, including liability, collision, comprehensive coverage, and more. While most companies offer basic liability insurance, other types of coverage offerings can vary between insurers.
The following table compares the types of insurance coverage Allstate and Liberty Mutual offer, based on our research.
| Coverage Type | Allstate | Liberty Mutual |
|---|---|---|
| Comprehensive | ✔ | ✔ |
| Collision | ✔ | ✔ |
| Medical payments (MedPay) | ✔ | ✔ |
| Personal injury protection (PIP) | ✔ | ✔ |
| Uninsured/underinsured motorist (UI/UM) | ✔ | ✔ |
| Roadside assistance | ✔ | ✔ |
| Rental reimbursement | ✔ | ✔ |
| Gap insurance | ✔ | ✔ |
| Accident forgiveness | ✔ | ✔ |
| Mechanical breakdown | ✔ | |
| Rideshare endorsement | ✔ | ✔ |
| Vanishing deductibles | ✔ | ✔ |
| New car replacement | ✔ | ✔ |
| Pet injury |
Both companies offer an impressive range of coverage options. The only difference is you can get mechanical breakdown insurance (MBI) with Allstate (the company calls it “vehicle protection insurance”), which isn’t available through Liberty Mutual.
Comparing Liberty Mutual and Allstate Car Insurance Discounts
Most insurers offer a variety of car insurance discounts to help you save money. These discounts range from bundling discounts for when you purchase multiple insurance products from the same company to loyalty discounts for staying with the same insurer for multiple years.
The table below shows how Allstate and Liberty Mutual compare when it comes to available discounts.
| Discount Type | Allstate | Liberty Mutual |
|---|---|---|
| Affinity | ✔ | ✔ |
| Alternative energy | ||
| Anti-theft | ✔ | |
| Automatic payments | ✔ | ✔ |
| Customer loyalty | ||
| Defensive driver | ||
| Good student | ✔ | ✔ |
| Early shopper | ✔ | ✔ |
| Federal employee | ||
| Homeowner | ✔ | |
| Low mileage | ||
| Military | ✔ | |
| Multi-policy | ✔ | ✔ |
| Multi-vehicle | ✔ | |
| New car | ✔ | |
| Paperless billing | ✔ | ✔ |
| Pay-in-full | ✔ | ✔ |
| Safe driver | ✔ | ✔ |
| Safety equipment | ✔ | |
| Student away at school | ✔ | ✔ |
| Teacher | ||
| Usage-based/telematics | ✔ | ✔ |
Both companies offer 13 different discounts to help drivers save on car insurance. If you’re planning to insure multiple vehicles, Liberty Mutual offers a multi-vehicle policy that Allstate doesn’t. If your car is equipped with anti-theft or safety equipment, Allstate offers discounts to help you save that you won’t find from Liberty Mutual.
Comparing Allstate and Liberty Mutual Customer Satisfaction
Allstate and Liberty Mutual have similar scores from multiple customer review sites. Scores are quite low for both companies on Trustpilot, Better Business Bureau (BBB), and ConsumerAffairs, but Allstate and Liberty Mutual both receive four out of five stars on Clearsurance.
The table below shows how the two insurance giants stack up across several popular review sites.
| Customer Review Site | Allstate | Liberty Mutual |
|---|---|---|
| Trustpilot | 1.2/5 | 1.1/5 |
| Clearsurance | 4/5 | 4/5 |
| BBB | 1.1/5 | 1.1/5 |
| ConsumerAffairs | 1.9/5 | 2.9/5 |
Common customer complaints include poor customer service experiences, delays to customer claims, and increases in insurance premiums.
Several current and former customers complain about Allstate’s customer service, such as in the reviews below.
Others — like the customers in the two reviews below — complain about slow and inadequate claims processing and a lack of effective communication around claims.
Some long-term Allstate customers are also upset by rate increases, including the following reviewer.
On the other hand, some Liberty Mutual customers are upset about the quality of customer service and the speed at which the company takes care of claims.
The following screenshot shows a Liberty Mutual customer’s displeasure over an increase in policy premiums.
More About Liberty Mutual and Allstate
In addition to price and customer reviews, other factors are also worth considering when choosing between insurance companies. Each insurer offers unique perks, claims processes, and mobile apps, and comparing these factors can help you decide whether Allstate or Liberty Mutual is a better fit.
Let’s take a closer look at each.
Company perks
Allstate and Liberty Mutual both offer driver discounts through telematics programs. With Allstate’s optional Drivewise program, you can save by signing up and remaining active. With Liberty Mutual’s RightTrack Program, you can get a 10% discount just for signing up and up to 30% if you complete the program.
Claims processing
Allstate scores above average (882/1,000) on J.D. Power’s Auto Claims Satisfaction Study, while Liberty Mutual scores below average (866/1,000). Both companies recommend the easiest way to file a claim is online but also provide a claims phone number.
Based on customer comments, both Allstate and Liberty Mutual have room to improve the speed and ease of their claims processing.
Mobile apps
Allstate and Liberty Mutual each have apps available on iOS and Android. Both apps allow you to access your insurance card, review your policy, pay bills, and file and manage claims.
But Allstate advertises more app features than Liberty Mutual, including the ability to find cheap gas and access on-demand roadside services.
Allstate vs. Liberty Mutual FAQs
If you’re still trying to decide whether Allstate or Liberty Mutual is the right company for you, review these answers to some of our most frequently asked questions.
What are the best car insurance companies?
It depends. There’s no way to say which car insurance companies are the best because it varies between drivers. The best company for you will depend on your individual needs, location, and budget. If you’re trying to decide if Allstate or Liberty Mutual is the best, Allstate offers the cheapest rates across all categories.
Is Allstate insurance better than Liberty Mutual?
Whether you’re a teen driver, a driver with a DUI, or a driver with a clean driving record, Allstate insurance offers the cheapest average rates across all categories compared to Liberty Mutual. Of course, price isn’t the only factor to consider when choosing an insurer. The company that’s best for you will depend on your individual needs.
Who is Liberty Mutual’s biggest competitor?
Allstate is one of Liberty Mutual’s biggest competitors. Both are national insurance companies that rank in the top five for market share of private passenger auto insurance, according to the National Association of Insurance Commissioners (NAIC).
Who is Allstate’s biggest competitor?
State Farm is one of Allstate’s biggest competitors — it has the largest market share of private passenger auto insurance, according to the NAIC. Allstate ranks as the fourth largest.
What insurance companies are better than Liberty Mutual?
Some of the best car insurance companies include GEICO, Allstate, and State Farm, according to our proprietary Compare.com Rating. Comparing multiple insurance companies and getting quotes can help you find the insurer that best fits your needs and budget.
Data Methodology:
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Rating Methodology:
Compare.com’s mission is to help our readers make more informed decisions about their personal finances. Our editorial staff has crafted a proprietary, objective rating formula — the Compare.com Rating — to make it easier for our readers to analyze and compare many of the industry’s most well-known insurers. The score you see referenced in this article is based on several factors, including:
- Cost: How the insurer’s average rates compare to its direct competitors and the industry as a whole. This includes available savings opportunities, such as discounts and other factors.
- Customer satisfaction: How satisfied existing customers are with the service they receive. This includes the insurer’s scores among various third-party studies, such as the J.D. Power U.S. Insurance Shopping and Claims Satisfaction studies, and the National Association of Insurance Commissioners (NAIC) Complaint Index, among others.
- Ease of use: How easy it is for policyholders to utilize their policies. This includes mobile app availability, customer service availability, payment flexibility, and other related factors.
- Availability: The overall scope of the company’s insurance offerings. This includes available coverage types, national footprint, and other related factors.
- Industry reputation: A measure of the insurer’s overall standing within the industry. This includes its AM Best Financial Strength rating, BBB accreditation, and other related factors.
Sources:
- National Association of Insurance Commissioners (NAIC), “Property and casualty insurance industry 2023 top 25 groups and companies by countrywide premiums,” last accessed July 22, 2024.
- Insurance Information Institute (III), “What determines the price of an auto insurance policy?” last accessed July 22, 2024.
- Center for Disease Control, “Risk factors for teen drivers,” last accessed July 22, 2024.
- III, “Senior driving safety and insurance tips,” last accessed July 22, 2024.
- III, “Do auto insurance premiums go up after a claim?” last accessed July 22, 2024.
- Texas Department of Public Safety, “Section 19: Administrative License Revocation (ALR),” last accessed July 22, 2024.
- J.D. Power, “2023 U.S. Auto Claims Satisfaction Survey,” last accessed July 22, 2024.
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