Liberty Mutual vs. USAA
Which car insurance do consumers say is best?
If you’re a former or active military member looking for a car insurance company, among the national brands to consider are USAA and Liberty Mutual. USAA is only eligible to service members and their families, even though any driver can request a quote from Liberty Mutual.
For those who are eligible for both companies, you can learn more about how they stack up against one another below. Thanks to thousands of reviews of both companies from consumers, we’ve compiled car insurance ratings for both Liberty Mutual and USAA.
Additionally, we’ve provided information on the car insurance discounts the companies offer, as well as special features they offer.
Are you looking for new auto insurance? Enter your zip code in our calculator and check out your options.
Jump to: Consumer ratings of Liberty Mutual and USAA
Liberty Mutual vs. USAA Car Insurance Rates
Car insurance rates vary by person and location. Rates also depend on the car insurance company you choose. There are many factors that determine the cost you'll pay for car insurance.
Of course, rates aren't the only factor. Many reviews like the following show that choosing auto insurance is complicated:
"I have been using USAA for my home and auto insurance for a decade now, as well as for my mortgage. What the company may lack in competitive pricing when compared to some other insurance companies, they more than make up for with customer service and the quality of the the services that they provide. I have had to replace my roof and repair massive damage to my home and car after a major storm, and I was able to do so with ease. I would recommend USAA to anyone who is willing to pay a little more for a quality product."
Jamie1322
In the table below, you can view the national average car insurance rates for USAA for three different driver profiles for male and female. We are not able to provide national average car insurance rates for Liberty Mutual. Keep in mind these are only national averages for a certain profile. Your car insurance rates will differ from these depending on where you live, your unique driver profile and your coverages, among other things.
| Driver profile | Liberty Mutual average rates | USAA average rates |
|---|---|---|
| Male teen | N/A | $1,092 |
| Male adult | N/A | $1,120 |
| Male senior | N/A | $811 |
| Driver profile | Liberty Mutual average rates | USAA average rates |
|---|---|---|
| Female teen | N/A | $1,023 |
| Female adult | N/A | $1,106 |
| Female senior | N/A | $806 |
To determine the average national rates for male and female drivers for USAA, we created three driver profiles for both males and females and got rates for drivers for each profile. The profiles for male and female drivers were an 18-year-old teen with state minimum coverages and fair credit; a 35-year-old single adult with 100/300/50 liability limits in addition to full coverage with $500 deductibles for collision and comprehensive, a good credit score and one driving violation in the last three years; and a 65-year-old driver with 100/300/50 liability limits in addition to full coverage with $500 deductibles for collision and comprehensive, a good credit score and no driving violations in the last three years. Additionally, we averaged the rates in each state we had data for that company. Rate data is provided by Quadrant Information Services.
Liberty Mutual Overview
Liberty Mutual employs more than 50,000 employees worldwide and offers a wide range of insurance products. Aside from car insurance, you can also purchase homeowners, renters, life, business, motorcycle and many other types of insurance. If you’re looking to insure multiple products through the same company, Liberty Mutual does have a multi-policy discount to help you save.
If you’re planning to buy collision coverage, Liberty Mutual has a way for you to lower your deductible over time — at some cost to you. The Liberty Mutual Deductible Fund is essentially a way for you to put aside money over time so you don’t have to come up with your entire deductible at once after an at-fault accident that requires a claim. You can read more about the program here, but in essence, you and Liberty Mutual contribute each year to a fund (up to $100 annually) that’s then used to pay your deductible if you have an at-fault collision.
One potential way you can save with Liberty Mutual is by enrolling in the insurer’s usage-based program, which it calls RightTrack. Liberty Mutual monitors your driving habits, and if it deems you to be a safe driver, you can see savings of up to 30 percent. RightTrack monitors things such as your acceleration, hard braking events, the number of miles you drive, the time of day you drive and rapid acceleration.
USAA Overview
USAA was rated as the top car insurance company for 2019 as well as the best homeowners and best renters insurance company for 2019.
Among the ways that USAA tries to help good drivers who are loyal to USAA save money is its accident forgiveness policy.
If you go five straight years with USAA accident free, then your premium won’t increase after one at-fault accident. In select states, you may purchase this additional feature.
Driving for Uber, Lyft or a similar company? USAA offers rideshare insurance to help cover the gaps between your personal insurance policy and the coverage provided by the transportation network company you’re driving for. USAA advertises you can obtain this additional coverage for as little as $6 more per month.
To learn more about how USAA compares to Liberty Mutual, check out the tables below.
How do consumers rate Liberty Mutual and USAA?
What discounts do Liberty Mutual and USAA offer?
Talk with an agent or visit the company’s website for a comprehensive list of all discounts you may qualify for.
