insurance car insurance

Allstate vs. Liberty Mutual Auto Insurance [2025]: How They Compare

With similar discounts and coverage, these two auto insurance companies can be hard to decide between.
Updated June 5, 2025
Fact checked

Deciding between Allstate and Liberty Mutual auto insurance is tricky because the two companies offer comparable full-coverage options and discounts. Neither comes out ahead of the other in customer service or claims satisfaction. That said, Allstate likely delivers more bang for your buck. Its basic coverage is less expensive and provides more protection than Liberty Mutual, so I can see it being a good fit for people with straightforward auto insurance needs (and those who drive less).

However, I think Liberty Mutual is better for special discounts for certain professions, more customizable policies, and specialty coverage options like Better Car Replacement. Check out this provider if you have a car that's particular about its parts, you want to build a policy, or you drive a lot.

How we evaluate products

Smart Drivers, Smarter Savings.
Compare car insurance rates in Ohio
See if you qualify for a lower rate in less than 2 minutes
By clicking the button above, I understand and agree that this site uses site visit recording technology (provided by Trusted Form, Jornaya, and Microsoft Clarity) Privacy Policy

Allstate pros and cons

Pros
  • Available nationwide
  • Offers rideshare insurance
  • Rates generally lower than national average
Cons
  • Below average customer service ratings
  • Some coverage options limited by state

Learn more in our Allstate review.

Liberty Mutual pros and cons

Pros
  • Available nationwide
  • High number of discounts compared to other insurers
  • High claims satisfaction rates
Cons
  • Low customer satisfaction
  • Higher liability-only premiums than other providers

Learn more in our Liberty Mutual review.

Which company is better?

Allstate Liberty Mutual
AM Best A+ A
J.D. Power claims satisfaction 691/1,000 717/1,000
BBB A+ A-
NAIC complaints (private passenger) 1.02 (Private Passenger) 3.16 (Private Passenger)

In most respects, Allstate comes out ahead of Liberty Mutual. It has an A+ from AM Best, indicating high financial strength. Liberty Mutual's A rating from AM Best is still a solid rating, though. It also has a higher rating from the Better Business Bureau, though Liberty Mutual's rating also indicates reliability.

Liberty Mutual comes out slightly ahead when it comes to claims satisfaction. Liberty Mutual has many more customer complaints than Allstate, however. Most of these complaints relate to claim handling delays and unsatisfactory settlements, so the information between J.D. Power and the NAIC conflicts.

Overall, I'd say Allstate has a slight edge over Liberty Mutual, so if I got a quote for similar rates from each company, I'd choose Allstate. That said, Liberty Mutual isn't dramatically behind, so if you get a cheaper quote from Liberty Mutual, that's definitely worth considering.

Get Custom Quotes Today
State Farm Logo
See how much you could save today!
Average Rate:

Drivers who switch their auto insurance and save with State Farm save $764 on average!

Which company is cheaper?

When you look at the rates for each company, Allstate is significantly cheaper than Liberty Mutual in every category on average. This difference is especially noticeable for teen drivers, where the rates are already high.

Driver type Allstate liability-only monthly premium Allstate full coverage monthly premium
Clean driving record $59 $128
Speeding ticket on driving record $71 $154
At-fault accident on driving record $75 $162
DUI on driving record $96 $207
Teen driver $118 $254
Senior driver (60s) $46 $99
Senior driver (70s) $44 $95
Data sourced from Insurify

Driver type Liberty Mutual liability-only monthly premium Liberty Mutual full coverage monthly premium
Clean driving record $167 $244
Speeding ticket on driving record $229 $335
At-fault accident on driving record $237 $346
DUI on driving record $270 $395
Teen driver $288 $421
Senior driver (60s) $138 $202
Senior driver (70s) $132 $193
Data sourced from Insurify

Keep in mind that these rates are averages, and if you're looking at these two companies, I would still consider getting quotes for both. Insurance quotes are based on individual factors like where you live, what you drive, and your age and driving experience.

Clean driving record

Drivers with a clean driving record typically have the lowest rates. Allstate rates in this category are low in general, and especially compared to Liberty Mutual.

Save On Your Auto Insurance
  • You could save up to $600 with some companies.
  • Compare dozens of providers in under 5 minutes.
  • Fast, free, and easy way to shop for insurance.
  • Quickly find the perfect rate for you.

Average rate:

Speeding ticket on driving record

Allstate also has lower-than-average rates in this category, while Liberty Mutual's rates are significantly higher than average.

At-fault accident on driving record

At risk of being repetitive, Liberty Mutual's rates are significantly higher, at $346 per month for full coverage, on average, compared to Allstate's $162.

DUI on driving record

Rates in this category already tend to be high. Liberty Mutual's certainly are, at $395 per month for full coverage, on average. Allstate's rates are lower at $207.

Teen driver

Due to their lack of experience, teen drivers tend to have the highest rates. This is especially clear with Liberty Mutual at $421 per month for full coverage, on average. Allstate is lower at $254.

Senior driver

Allstate's rates for seniors are lower than average, at $99 per month, on average, for drivers in their 60s. Liberty Mutual's rates are higher at $202.

Discounts

Liberty Mutual offers military discounts to members of the U.S. Armed Forces who are active, retired, or in the reserve.

It also provides savings for teachers, including:

  • A $0 deductible if your car is vandalized on school property or during a school event
  • A $0 deductible if your car is damaged in a collision while driving it for school business
  • Personal property coverage if your teaching materials or school property are damaged or stolen from your car (up to $2,500 each time)

Working for the military or being a teacher are hard jobs that often don't come with great pay, so these discounts stand out to us.

Here's a closer look at how discounts stack up between the two companies.

Discount Does Allstate have it? Does Liberty Mutual have it?
Loyalty No No
Multi-policy/bundling Yes Yes
Multiple vehicle No Yes
Airbag No No
Anti-lock brakes Yes No
Anti-theft Yes No
Safe driver Yes Yes
Good student Yes Yes
Away-from-home student Yes Yes
New car Yes No
Pay in full Yes Yes
Automatic payments Yes Yes
GAP insurance No No
Senior Yes No
Military No Yes
Defensive driving course Yes (select states) Yes (select states)

Mileage-based coverage

Allstate has a full range of coverage options, such as liability, collision, comprehensive, roadside assistance, and rental car reimbursement. The company also offers MileWise, a pay-per-mile insurance program, which can be a good choice if you don't drive very often.

Note about pay-per-mile insurance
Pay-per-mile insurance is a little more complex than it sounds. You'll have to pay a base rate and generally have a device installed to track your mileage.

Let's look at an example to see what MileWise might cost you. Imagine Allstate charges you a base rate of $1.50 per day — that's a minimum of about $45 a month. If it charges a rate of $0.06 per mile (the average Allstate provides on its page) and you drive 100 miles in a month, you'd pay $6 in mileage charges. Your monthly total for auto insurance would be $51.

If you don't drive a lot, this could be a helpful tool for saving money. Just make sure you run the numbers on this type of coverage versus basic coverage without a per-mile rate.

Coverage

Both Allstate and Liberty Mutual are available in all 50 states, plus Washington, D.C. So everyone in the U.S. can theoretically get covered by either.

The two insurers also offer the same list of basic coverages, including:

  • Liability
  • Collision
  • Comprehensive
  • Medical payments
  • Personal injury protection (PIP)
  • Uninsured/underinsured motorist
  • Roadside assistance
  • Accident forgiveness
  • Rental car reimbursement
  • New car replacement
  • Mexico car coverage

But each has a few unique coverages as well. Here's how those differences shake out.

Allstate Liberty Mutual
Classic car insurance Lifetime repair guarantee
Ride-share insurance Better car replacement
Death indemnity Gap coverage
Personal umbrella policy Original parts replacement
Extended vehicle care Teachers auto coverage

FAQs

Is Liberty Mutual the same as Allstate?

No, Liberty Mutual isn't the same as Allstate. They are two separate car insurance companies. However, the two companies' offerings and customer satisfaction ratings are on par with each other.

Who is the #1 auto insurer in the United States?

State Farm is ranked as the #1 auto insurer in the U.S., according to the National Association of Insurance Commissioners (NAIC). Allstate is the 4th largest auto insurer, and Liberty Mutual is ranked 6th.

Is Liberty Mutual good at paying claims?

It depends. According to the J.D. Power 2024 U.S. Auto Claims Satisfaction Study, Liberty Mutual falls below the industry average for claim satisfaction. NAIC data shows that Liberty Mutual also has more customer complaints than the industry average.

Smart Drivers, Smarter Savings
Ohio: Say Goodbye to High Auto Insurance Rates if You Live in These Zip Codes
See if you qualify for a lower rate in less than 2 minutes
Start Saving

By clicking the button above, I understand and agree that this site uses site visit recording technology (provided by Trusted Form, Jornaya, and Microsoft Clarity) Privacy Policy


Bottom line

Allstate and Liberty Mutual auto insurance have a lot in common when it comes to available coverage, discounts offered, and customer satisfaction. Allstate appears to offer the best rate for more coverage than Liberty Mutual. However, depending on what you do for a living, the special discounts provided by Liberty Mutual may get you the more affordable auto insurance quote.

Save On Your Auto Insurance
  • You could save up to $600 with some companies.
  • Compare dozens of providers in under 5 minutes.
  • Fast, free, and easy way to shop for insurance.
  • Quickly find the perfect rate for you.

Average rate: