Allstate and Liberty Mutual are two of the largest and most well-known car insurance companies in the country. Both companies offer car insurance and several add-on coverages in all 50 states and Washington, D.C.
It’s always a good idea to compare your options before buying a car insurance policy. Allstate and Liberty Mutual have slightly different insurance products, customer service reputations, and discount offerings. Because insurance companies calculate rates differently based on details like your driving record and ZIP code, your auto insurance quotes can vary by company.
Here’s a look at how Allstate and Liberty Mutual compare, including the key differences between the companies, to help you determine which auto insurance company works better for you.
Both companies offer liability-only and full-coverage car insurance that’s cheaper than the national average. Compared to Liberty Mutual, Allstate provides cheaper average coverage for different driver profiles.
Allstate earned an above-average score in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study.1 It also earned higher average customer satisfaction scores than Liberty Mutual in the J.D. Power 2023 U.S. Auto Insurance Study.2
Though Liberty Mutual auto insurance generally receives more customer complaints, the company provides more customizable coverage options that can help you lower your premium.
Here’s a closer look at how the companies compare.
With 10.69% of the car insurance market share, Allstate is the fourth-largest auto insurance company in the U.S. and has earned a reputation for excellent customer service and a smooth claim process.3
Liberty Mutual, the fifth-largest U.S. private passenger auto insurer, has 4.95% of the car insurance market share but tends to receive below-average scores in customer service. The company has an A (Excellent) financial strength rating from AM Best.
Liberty Mutual and Allstate both offer usage-based insurance programs, which can help customers earn discounts based on their driving habits.
With Allstate’s Drivewise program, you can earn discounts of up to 40% off a car insurance policy for enrolling and participating in the program. It’s available in all states except New York. You’ll get a policy credit every six months when you exhibit safe driving habits, but people who show riskier driving behaviors may see a price increase.
Liberty Mutual’s RightTrack provides an instant 10% discount when you enroll. Once you use RightTrack for 90 days, Liberty Mutual calculates your savings based on your driving habits. Safe drivers can get a discount of up to 30% on their auto policies, while higher-risk drivers could see a price increase.
The program is available in all states except Alaska, California, Hawaii, Montana, North Carolina, North Dakota, South Dakota, Washington, and Wyoming. Drivers in New York can participate in a similar program where you use a plug-in device to monitor your driving instead of a mobile app.
Compared to Liberty Mutual, Allstate offers cheaper car insurance coverage for all driver profiles. Your specific premium will depend on your state, ZIP code, driving record, credit history, age, and more.
Drivers with a clean record pay the lowest average rates for car insurance.
If you have a past speeding ticket on your record, you’ll likely face increased insurance rates.
Because teen drivers pose higher amounts of risk due to a lack of driving experience, young drivers typically face the most expensive insurance rates by age.
Drivers with a bad credit score typically pay more for car insurance than people with a good credit score.
Senior drivers younger than 70 typically earn some of the lowest rates by driver age.
Allstate and Liberty Mutual both offer basic coverage types, including bodily injury liability, property damage liability, personal injury protection, uninsured motorist coverage, collision insurance, and comprehensive insurance. Liberty Mutual doesn’t offer underinsured coverage, but Allstate does.
Both companies also provide several add-ons that are less common. One key difference is that Allstate offers car insurance for rideshare drivers, while Liberty Mutual doesn’t sell this type of insurance directly to policyholders.
Here’s a look at what each company provides.
Discounts can help lower your car insurance premium if you qualify for them. Generally, Liberty Mutual has better auto insurance discounts compared to Allstate. For instance, Liberty Mutual may discount premiums for military members and others who take a defensive driving course and add multiple cars to a policy.
The following information provides more insight if you still have questions about coverage options from Allstate and Liberty Mutual.
Allstate typically offers lower car insurance rates than Liberty Mutual and has a better track record of customer satisfaction. The best car insurance company for you will depend on your driver profile and insurance needs.
No. Allstate and Liberty Mutual are different car insurance companies. Both insurers sell property and casualty insurance and provide similar coverage options to consumers.
Allstate is the fourth-largest property and casualty insurer in the U.S. and has 10.69% of the market share. State Farm, Progressive, and GEICO all have larger market shares and offer similar coverages, making them Allstate’s major competitors.
Yes. Allstate has a strong track record of paying claims, according to the J.D. Power 2023 U.S. Auto Claims Satisfaction Study. The insurance company earned a score of 882 out of 1,000 for its claims process, compared to the industry average of 878.
)
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
){kind=small}
){kind=small}
)
7+ years experience in data analysis
Ph.D. in Computational Biology
)
)
)