Allstate vs. Liberty Mutual Auto Insurance 2024: How They Compare

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, from where we’re sitting, because they both do pretty poorly in that department. 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 non-standard car insurance because it offers 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.

Quick look: Allstate vs. Liberty Mutual

	Allstate auto insurance	Liberty Mutual auto insurance
Availability	All 50 states and Washington, D.C.	All 50 states and Washington, D.C.
Telematics (pay-per-mile) program	Drivewise	RightTrack
Unique coverages	Classic car insurance Ride-share insurance Death indemnity Personal umbrella policy Extended vehicle care Milewise (pay-per-mile)	Lifetime repair guarantee Better car replacement Gap coverage Original parts replacement Teachers auto coverage
Price of basic plan per month	$54	$68
Better Business Bureau (BBB) customer rating	1.12/5	1.1/5
BBB grade	A+	A-

When to go with Allstate auto insurance

You’re in good hands with Allstate, or at least that’s what the insurance company’s popular marketing slogan tells you. Allstate Insurance has been around since the Great Depression. Today, the insurer has over 16 million customers in all 50 states in the U.S.

Consider choosing Allstate auto insurance if:

• You don’t drive a ton and want to pay per mile driven.
• You work for ride-share services like Uber or Lyft.
• You want to pay less for more coverage.
• You want personal umbrella coverage.

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.

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.

Ride-sharing driver coverage

Allstate is the better choice for Lyft and Uber drivers because it offers special ride-share insurance that can protect you if there’s a gap between your personal car insurance policy and the one provided by the ride-share company.

For example, most ride-share app insurance policies don’t offer full coverage if your car is damaged while you’re waiting for a passenger. Allstate’s coverage can fill in these gaps, so you won’t have to pay for repairs out of pocket.

Cheaper prices

Generally speaking, Allstate offers lower car insurance rates than Liberty Mutual. It also offers more coverage, including personal injury protection, medical payments, death indemnity, accident forgiveness, and uninsured/underinsured motorist coverage.

During our testing process to get quotes, both insurance companies provided quotes on three different levels of coverage. For comparison, we looked at the most basic, least expensive option for both insurance providers.

Allstate’s basic coverage:

• Insurance cost: $54 per month
• Bodily injury liability: $25,000/$50,000
• Property damage liability: $10,000
• Uninsured motorist: $25,000/$50,000
• Underinsured motorist: $50,000/$100,000
• Death indemnity: $10,000
• Collision: $1,000 deductible
• Comprehensive: $1,000 deductible

Liberty Mutual’s basic coverage:

• Insurance cost: $68 per month
• Bodily injury liability: $25,000/$50,000
• Property damage liability: $10,000
• Uninsured motorist: $25,000/$50,000
• Collision: $2,500 deductible
• Comprehensive: $2,500 deductible
• Liberty Mutual Deductible Fund (reduces collision deductible by $100 each year)

Personal umbrella insurance

If you don’t think the limits of your standard auto insurance plan will be enough, you can add on personal umbrella coverage from Allstate for peace of mind. Basically, these greatly increase the coverage limits for bodily injury, personal injury, or property damage in an incident.

For example, assume you’re at fault in an accident where the other driver suffers a neck injury. Your initial policy might cover their medical bills, but because they were out of work for nine months, they sue you for lost wages. Personal umbrella insurance covers this gap up to your total policy limits.

Read our full Allstate auto insurance review.

When to go with Liberty Mutual auto insurance

Liberty Mutual Insurance is considered the sixth-largest auto insurance company by market share. The Boston-based company was founded in 1912 and today has over 45,000 employees operating in 29 countries.

We’d recommend Liberty Mutual auto insurance if:

• You’re in the military or are a teacher
• You want coverage for original equipment manufacturer (OEM) parts
• You have an older car but want better car replacement coverage
• You want more customizable coverage

Military and teacher 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.

Coverage for OEM parts

You can get additional original parts replacement coverage from Liberty Mutual, which guarantees that any damaged parts on your car are replaced with parts from the original manufacturer (rather than aftermarket parts).

If you’re particular about not voiding any of your car’s manufacturer warranties, this is crucial. It’s also important if you have a luxury or foreign car that performs better with OEM parts.

Better car replacement coverage

I currently drive a 2012 Hyundai Sonata that has seen better days. If I’m ever in an accident, it will surely be totaled, and I’ll be left with a paltry sum that won’t be anywhere close to what I need to buy a new car.

That’s why I would prefer Liberty Mutual’s Better Car Replacement policy. If your car is totaled, it will pay for a model one year newer with 15,000 fewer miles on it.

This might not be a ton of help in my scenario, as I’m not sure a 2013 Hyundai Sonata would be worth much more. But the difference could be thousands of dollars if you start with a newer car.

Customizable coverage

Liberty Mutual claims that its policyholders pay only for what they need. When it comes to car insurance, liability and medical payments coverage are standard for all Liberty Mutual policies. The insurer also offers a number of additional coverage options, including collision, comprehensive, roadside assistance, and uninsured motorist.

Some of the more unique options include a lifetime repair guarantee, new car replacement, rental car reimbursement, and accident forgiveness.

Being able to pick and choose parts of your policy could mean saving money without sacrificing coverage.

Read our full Liberty Mutual auto insurance review.

Allstate vs. Liberty Mutual: Coverage and availability

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

Allstate vs. Liberty Mutual: Reviews and ratings

Both Allstate and Liberty Mutual rank under the industry average for customer experience according to J.D Power. In the 2024 U.S. Auto Claims Satisfaction Study, here’s how the two providers scored (out of 1,000):

• Liberty Mutual’s ranking: 717
• Allstate’s ranking: 691

For reference, the top car insurance provider — NJM Insurance Co. — scored 782. If customer service is your priority, we can’t necessarily recommend either of these.

Other reviews across the web are similarly below average.

	Allstate	Liberty Mutual
Better Business Bureau	1.12/5	1.1/5
Trustpilot	1.2/5	1.1/5
ConsumerAffairs	1.4/5	1.9/5

FAQs

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.