We at the Guides Auto team compare and rank auto insurance providers to help you find the best car insurance companies on the market. In this article, we compare Liberty Mutual vs. Allstate based on factors like cost, coverage and customer experience to determine which insurer is the better option.
Liberty Mutual vs. Allstate Reviews
We found Liberty Mutual to be the better auto insurance company, giving it an overall score of 9.0 out of 10.0 compared to Allstate’s 8.3. But while Liberty Mutual’s huge advantage in the cost category led to its higher overall rating, Allstate tied with Liberty Mutual in the availability and coverage categories and outscored the provider in reputation and customer experience.
Is Liberty Mutual Better Than Allstate?
The table below shows how Liberty Mutual and Allstate stack up against each other with the categories in our review methodology.
Allstate vs. Liberty Mutual Car Insurance
When it comes to reputation, both Allstate and Liberty Mutual are well-known and long-lasting car insurance companies with large customer bases. Both have impressive scores from the Better Business Bureau (BBB) and high financial strength ratings from AM Best.
While their AM Best scores make both Liberty Mutual and Allstate reliable sources for paying claims, Liberty Mutual ranked below the industry average for the J.D. Power 2022 U.S. Auto Claims Satisfaction Study℠. In this same study, Allstate ranked above the market average in fifth place.
Compare Allstate and Liberty Mutual
The ratings and awards that make up each company’s reputation score can be found in the table below. Liberty Mutual has proven itself a great company for teen and young adult drivers looking to save money on car insurance, which is why we’ve given the provider our Good Programs for Young Drivers award.
Liberty Mutual: Quick Highlights
Here are some things Liberty Mutual does to make itself a great company:
- Has excellent AM Best and BBB ratings
- Delivers nationwide availability with tons of coverage options
- Offers a wide selection of discounts to save on car insurance premiums — especially for younger drivers
Read more about Liberty Mutual in our Liberty Mutual insurance review.
Allstate: Quick Highlights
Here’s a quick look at what Allstate does to make it stand out from the competition:
- Gives a personalized experience with many local insurance agents
- Offers a claim satisfaction guarantee
- Offers a usage-based insurance discount and mile-based discount
Read more about Allstate in our Allstate insurance review.
Liberty Mutual vs. Allstate: Coverage
Liberty Mutual and Allstate both offer a wide variety of coverage options, ranging from the standard types of car insurance to add-on coverages that are specific to your needs. You can find a full list of policy options that both companies offer in the table below.
*Liberty Mutual’s rideshare insurance is only offered through Uber and Lyft and is only available in select states.
Liberty Mutual and Allstate Usage-Based Insurance Comparison
Aside from standard coverage options and add-ons, Liberty Mutual and Allstate offer usage-based insurance policies. These telematics insurance programs track your driving behaviors and may give you discounts based on how safely you drive.
Liberty Mutual’s program is called RightTrack®, and Allstate’s is called Drivewise®. The programs are similar, but with Liberty Mutual, the type of device used to track driving habits varies by location. Drivers in most states use a mobile app, but those in New York use a plug-in device. In some states, Liberty Mutual uses a tag that goes in your car and is linked to the mobile app.
The table below shows a more in-depth comparison between the two usage-based insurance programs.
As with most usage-based insurance programs, neither RightTrack nor Drivewise will look at your driving history to assign you a discount. These programs may help you save on your auto insurance premium if you drive less than most people or you’re confident that you’re a safe driver. If you have a long commute or live in a high-stress driving environment, these programs may not be worth it.
Allstate Milewise
Allstate offers another usage-based insurance product called Allstate Milewise®. This pay-per-mile insurance program allows you to influence how much you pay for coverage. It comes with the same coverage and claims service, and it could be a good option if you don’t drive often.
Milewise uses a plug-in device that tracks how many miles you drive, which you can look at on your mobile device. It then applies a per-mile charge that you pay in addition to a daily rate. Milewise is available in 21 states.
Is Liberty Mutual Cheaper Than Allstate?
According to quotes and rate data we received, full-coverage car insurance from Allstate and Liberty Mutual tends to be on the more expensive side. Each company’s average rates for drivers in their mid-20s are higher than the national average for this age group.
Liberty Mutual is generally more expensive for a full-coverage policy, costing about $200 more annually and $15 more per month than Allstate based on our estimates.
Liberty Mutual vs. Allstate: Auto Insurance Quote Averages
The table below compares full-coverage pricing for 25-year-old policyholders at Allstate and 26-year-old policyholders at Liberty Mutual.
While Liberty Mutual is more expensive than Allstate on average, your rates will depend on a variety of factors. The main factors providers use to calculate car insurance rates are your:
- Age
- Marital status
- Location
- Credit history
- Driving record
- Vehicle
Allstate vs. Liberty Mutual Discounts
Another important factor to consider when you’re looking for a car insurance policy is discounts. Allstate and Liberty Mutual offer various car insurance discounts that are listed in the table below.
Allstate vs. Liberty Mutual: Bundling Options
Both Liberty Mutual and Allstate allow you to save money by bundling your auto insurance with another type of coverage from the same provider. You can get a discount when you bundle your condo, renters or homeowners insurance with your auto policy.
Liberty Mutual vs. Allstate: Customer Experience
Customer service ratings for Liberty Mutual and Allstate are comparable. They have similar customer review scores from the BBB, which look low but are about average for the insurance industry. However, Allstate has closed more than 2,600 complaints through the BBB in the last three years, and Liberty Mutual has closed slightly over 1,700.
Our review team reached out to Allstate and Liberty Mutual for comment on their customer complaints but did not receive responses.
Liberty Mutual ranked below Allstate for claims satisfaction in 2022, according to J.D. Power. However, it outscored Allstate in overall customer satisfaction in the J.D. Power 2022 U.S. Insurance Shopping Study℠. The table below gives a more in-depth look at the customer experience ratings for the two insurers.
Liberty Mutual vs. Allstate: Consumer Surveys
Our team surveyed nearly 7,000 customers to learn about their experiences with their auto insurance providers. These are the results of the surveys for Liberty Mutual and Allstate:
In the survey, we asked policyholders how likely they’d be to recommend their insurance providers on a scale of 1.0 to 10.0. On this question, Liberty Mutual scored a 7.5 and Allstate fell right behind at 7.4.
Allstate vs. Liberty Mutual: Conclusion
After comparing Liberty Mutual vs. Allstate, our team named Liberty Mutual the better option for car insurance coverage. The company tied with or beat Allstate in most of our review categories (excluding customer experience and reputation). And while Liberty Mutual may have higher average auto insurance premiums than Allstate, it offers many discount opportunities.
Allstate vs. Liberty Mutual: Top Picks
Allstate and Liberty Mutual are both quality insurance providers that may be great choices for you, but you should explore multiple providers when you shop for coverage. Two companies worth taking a look at are Progressive and USAA.
Progressive: Low Rates for High-Risk Drivers
If you’re a young driver under 25, an older driver over 55 or a driver with a recent DUI or at-fault accident, Progressive may be a good choice for you. Progressive is known for offering high-risk drivers a wide range of coverage and discount opportunities like its Snapshot® program. The company also allows customers to choose their own price range with its Name Your Price Tool®.
Read more: Progressive insurance review
Compare providers: Allstate vs. Progressive | Liberty Mutual vs. Progressive
USAA: Low Rates for Military
USAA is known for having some of the best rates in the industry. It also offers savings opportunities that include a telematics app called SafePilot. However, USAA’s services are only available to military members, veterans and their immediate families. If you’re eligible for a USAA policy, the company’s low rates and excellent customer service could make it your best option for car insurance.
Read more: USAA insurance review
Liberty Mutual vs. Allstate: FAQ
Below are frequently asked questions about Liberty Mutual vs. Allstate.
Our Methodology
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
- Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
- Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
- Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
- Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
Our credentials:
- 800 hours researched
- 45 companies reviewed
- 8,500+ consumers surveyed
**Data accurate at time of publication.
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