Allstate vs. Liberty Mutual Auto Insurance in 2025 (Head-to-Head Review)
Allstate vs. Liberty Mutual auto insurance rates vary based on driving history and credit. Allstate is less expensive at $87 per month for teen drivers while Liberty Mutual has slightly better rates at $96 per month for violation-free drivers. Both offer telematics and accident forgiveness.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
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UPDATED: Mar 21, 2025
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3,607 reviewsAllstate vs. Liberty Mutual auto insurance comes down to how you value pricing, discounts, claims handling, and digital tools.
Allstate generally appeals to tech-savvy drivers with options like Drivewise and a strong mobile app, while Liberty Mutual offers more flexibility in bundling and better customization for high-risk drivers.
Allstate vs. Liberty Mutual Auto Insurance Rating
| Rating Criteria |  |  |
|---|---|---|
| Overall Score | 3.8 | 4.2 |
| Business Reviews | 4.0 | 4.0 |
| Claim Processing | 3.0 | 3.3 |
| Company Reputation | 4.5 | 4.0 |
| Coverage Availability | 5.0 | 5.0 |
| Coverage Value | 3.5 | 4.1 |
| Customer Satisfaction | 2.0 | 2.0 |
| Digital Experience | 4.5 | 4.5 |
| Discounts Available | 5.0 | 5.0 |
| Insurance Cost | 3.4 | 4.3 |
| Plan Personalization | 4.5 | 4.5 |
| Policy Options | 3.4 | 5.0 |
| Savings Potential | 3.9 | 4.5 |
| Allstate | Liberty Mutual |
Allstate’s customer service and claims satisfaction rank slightly higher, but Liberty Mutual may edge ahead in affordability for certain demographics and coverage levels.
Choosing between them often depends on your driving history, budget, and need for tailored coverage. Get the best auto insurance rates possible by entering your ZIP code into our free comparison tool today.
- Allstate averages $87/mo, while Liberty Mutual starts at $96 for similar coverage
- Liberty Mutual offers more discounts, but Allstate has better bundling options
- Allstate’s Drivewise app helps cut rates more than Liberty Mutual’s RightTrack
Liberty Mutual vs. Allstate: Which Auto Insurance Offers Better Value
Liberty Mutual and Allstate both offer full coverage auto insurance, but their monthly rates differ by age and gender. On average, Allstate provides the lowest monthly prices for most ages. Younger drivers, especially those who are 16, notice a significant difference — the rates at Liberty Mutual are markedly higher. As drivers age, the gap between the two companies shrinks, but Allstate remains the more affordable option.
Allstate vs. Liberty Mutual Full Coverage Auto Insurance Monthly Rates by Age & Gender
| Age & Gender | | |
|---|---|---|
| Age: 16 Female | $868 | $1,031 |
| Age: 16 Male | $910 | $1,121 |
| Age: 30 Female | $240 | $249 |
| Age: 30 Male | $252 | $285 |
| Age: 45 Female | $231 | $244 |
| Age: 45 Male | $228 | $248 |
| Age: 60 Female | $214 | $211 |
| Age: 60 Male | $220 | $227 |
A 30-year-old male, for example, pays less with Allstate than with Liberty Mutual. Even for drivers in their 60s, Allstate tends to be the cheaper choice in most cases. Beyond pricing, market share is another key factor. Allstate has a bigger portion of the auto insurance marketplace than Liberty Mutual indicating stronger client retention and brand loyalty. This may imply improved support, broader center selection, or deals with specific policies.
Allstate would typically be the better option — especially for younger drivers — if low monthly costs are your primary concern. Liberty Mutual does have confident coverage choices that might make the higher cost worth it for you. Considering how the discounts, the claims experience, and the service stack up will guide you to the insurer that’s the best fit.
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Allstate vs. Liberty Mutual: Best Auto Rates by Driving Record
Allstate and Liberty Mutual Insurance Company adjust monthly auto insurance rates based on driving history, but Allstate consistently offers lower costs. Drivers with a clean record pay less with Allstate, making it the more affordable choice for safe drivers.
Allstate vs. Liberty Mutual Full Coverage Auto Insurance Monthly Rates by Driving Record
| Driving Record | | |
|---|---|---|
| Clean Record | $228 | $248 |
| One Ticket | $268 | $302 |
| One Accident | $321 | $335 |
| One DUI | $385 | $447 |
For those with a speeding ticket or accident, both companies raise rates, but Liberty Mutual increases costs more. The divergence is even greater for drivers with a DUI, with Liberty Mutual’s monthly rates significantly exceeding the cost of Allstate’s. If the priority to you is to keep costs low, then the better option across all driving records is Allstate.
To get the best auto insurance deal, compare Allstate’s Drivewise and Milewise with Liberty Mutual’s RightTrack—Drivewise rewards safe driving, Milewise charges per mile, and RightTrack adjusts rates after a 90-day review—choose based on your driving habits and whether you prefer fixed or usage-based monthly rates.Michelle Robbins Licensed Insurance Agent
Liberty Mutual may still be worth considering if you need specific coverage features, but for overall affordability, Allstate stands out. Comparing discounts and policy benefits can help you decide which company fits your situation best.
Allstate vs. Liberty Mutual: Auto Insurance Rates by Credit Score
Liberty Mutual and Allstate Insurance Company adjust monthly auto insurance rates based on credit score, but Allstate consistently offers lower pricing at every level. Drivers with good credit pay slightly less with Allstate, making it the more affordable choice for those with a strong financial history.
Allstate vs. Liberty Mutual Full Coverage Auto Insurance Monthly Rates by Credit Score
| Credit Score | | |
|---|---|---|
| Good Credit | $115 | $120 |
| Fair Credit | $140 | $145 |
| Bad Credit | $180 | $185 |
For drivers with fair or bad credit, both companies increase monthly rates, but Liberty Mutual remains slightly higher. While the difference isn’t drastic, Allstate still provides lower monthly costs across the board. If keeping costs down is a priority, Allstate is the better option regardless of credit score.
Liberty Mutual might be a better fit if its coverage options match what you need, but Allstate typically comes out ahead on price. Be sure to compare discounts, policy features, and how credit scores affect auto insurance rates since your credit can impact what each company charges.
Allstate vs. Liberty Mutual: Which Auto Insurance Discounts Save You More
Allstate and Liberty Mutual both offer discounts that lower monthly auto insurance rates, but savings depend on the driver. Liberty Mutual provides a larger anti-theft discount, making it a better choice for cars with security features.
Allstate vs. Liberty Mutual Auto Insurance Discounts
| Discount Name | | |
|---|---|---|
| Anti-Theft Device | 10% | 35% |
| Bundling | 25% | 25% |
| Claims-Free | 10% | 8% |
| Defensive Driving | 10% | 10% |
| Good Student | 22% | 12% |
| Low Mileage | 30% | 30% |
| Loyalty | 15% | 10% |
| Multi-Car | 25% | 25% |
| Pay-in-Full | 10% | 12% |
| Safe Driver | 18% | 20% |
| Safety Features | 20% | 12% |
Both companies offer equal bundling and multi-car savings, but Allstate gives higher discounts for good students and long-term customers. Safe drivers get slightly better savings with Liberty Mutual, though the difference is small. Low-mileage drivers receive the same discount from both insurers.
Choosing between them comes down to which discounts apply to your situation. If security features or safe driving matter most, Liberty Mutual offers better savings. If you qualify for student or loyalty discounts, Allstate may be the better choice. Comparing discounts alongside coverage options will help you decide which company offers the best value.
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Types of Auto Insurance Coverage Offered by Allstate and Liberty Mutual
Both Allstate and Liberty Mutual provide standard auto insurance coverage, but those options vary in subtle ways that might influence how well you’re covered and how your claims are handled. Here’s a quick look at five coverage types they have in common:
- Liability Coverage: Allstate and Liberty Mutual offer liability coverage for bodily injury and property damage. Allstate includes accident forgiveness; Liberty Mutual offers better car replacement.
- Collision Coverage: Allstate speeds up collision claims with its QuickFoto Claim tool. Liberty Mutual offers mobile support, too, plus optional accident forgiveness for eligible drivers.
- Comprehensive Coverage: This covers damage from theft, fire, or natural disasters. Allstate offers glass repair with no deductible; Liberty Mutual adds optional OEM parts for newer cars.
- Personal Injury Protection (PIP): Both offer PIP where required. Liberty Mutual includes stronger medical add-ons; Allstate lets you bundle coverage with roadside assistance for added convenience.
- Uninsured/Underinsured Motorist Coverage: Allstate offers this add-on with strong mobile app support and accident tools. Liberty Mutual focuses on 24/7 claims and direct repair network access.
Allstate and Liberty Mutual offer similar core coverages, but their perks and flexibility can vary. Look closely at add-ons like rental reimbursement, roadside assistance, gap coverage, mechanical breakdown insurance, and recreational vehicle policies.
Larger insurers often provide more than you expect. Call the Allstate or Liberty Mutual insurance phone number to find out what other policies are available.
Allstate vs. Liberty Mutual: Better Auto Insurance Mobile Apps
Most major auto insurers now offer both a mobile app for managing your policy and a separate telematics app or device to track driving habits for potential discounts. Allstate’s Drivewise and Liberty Mutual’s RightTrack programs reward safe driving, while their leading apps let you access ID cards, update coverage, and pay bills.
After switching to Allstate’s Milewise, I saved money by paying per mile instead of a flat rate—perfect for low-mileage drivers; if you rarely drive, usage-based insurance can cut costs while still providing full coverage.Aremu Adams Adebisi Feature Writer
You’ll use the same Allstate or Liberty Mutual login on both their websites and apps. If you’d instead not use the app, you can manage your policy or request an Allstate car insurance quote by calling customer service directly.
Allstate vs. Liberty Mutual: Consumer Ratings & Insurance Reviews Compared
Liberty Mutual and Allstate have solid industry ratings, but there are some key differences. Liberty Mutual receives a higher J.D. Power rating for customer satisfaction, which indicates a higher average experience. According to NAIC data, it also gets fewer complaints, suggesting smoother claims handling.
Insurance Business Ratings & Consumer Reviews: Allstate vs. Liberty Mutual
| Agency | | |
|---|---|---|
 | Score: 691 / 1,000 Avg. Satisfaction | Score: 717 / 1,000 Above Avg. Satisfaction |
 | Score: A+ Excellent Business Practices | Score: A- Good Business Practices |
 | Score: 74/100 Good Customer Satisfaction | Score: 74/100 Good Customer Satisfaction |
 | Score: 1.45 Avg. Complaints | Score: 0.55 Fewer Complaints Than Avg. |
 | Score: A+ Superior Financial Strength | Score: A Excellent Financial Strength |
However, Allstate has an A+ rating from the BBB for business practices, compared to Liberty Mutual’s A-, showing a stronger reputation in that area. Both companies score equally in customer satisfaction from Consumer Reports, meaning policyholders generally have similar experiences.
Financial strength is solid for both, but Allstate earns an A+ from AM Best, while Liberty Mutual has an A. If fewer complaints and better satisfaction ratings matter most, Liberty Mutual may be the better option.
If you’re focused on financial stability and solid company practices, Allstate is a strong choice. To find the best fit, review each company’s coverage and available discounts and use tools that show where to compare auto insurance rates side by side.
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Pros and Cons of Allstate Auto Insurance
Allstate auto insurance is appealing to drivers looking for local support and practical digital tools. Its features, such as crash detection and replacement of new cars, are intended to provide security after an accident. Even so, not everything stands the test of time — some drivers report slow claims processing and prices higher than they expected. Here’s a closer look at what works and what doesn’t.
Pros
- Strong Claims Handling: Allstate uses QuickFoto Claim and a robust mobile app to streamline accident reporting and speed up payouts. Many customers report that the process is simple and well-organized, with fast follow-through.
- Wide Agent Network: Allstate has one of the largest agent networks nationwide, making it easy to work with someone locally for in-person support, policy questions, or claims help.
- Solid App Features: The Allstate Mobile app supports digital ID cards, roadside assistance requests, Drivewise tracking, and photo claims. It’s functional and user-friendly for everyday tasks.
Cons
- Higher Premiums for Some Drivers: For drivers with clean records, Allstate’s prices are often higher than you might find with some other groups, especially in urban or high-cost regions.
- Mixed Customer Service Reviews: While local agents are helpful, some customers report issues with claim delays or inconsistent communication from corporate support.
Allstate is best for drivers who want solid in-person support, useful digital tools and easy claims reporting. A Yelp reviewer describes how an agent-assisted an owner of a restaurant business with lower costs and more coverage, demonstrating the added value that Allstate provides to its customers.
While pricing and claim delays are concerns, Allstate may be a good fit if you value having a dedicated agent and a user-friendly app. To see if it works for you, get an Allstate auto insurance quote and compare it with other options based on coverage and service.
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Pros and Cons of Liberty Mutual Auto Insurance
Liberty Mutual auto insurance offers strong coverage options like accident forgiveness, gap protection, and new car replacement. The app makes it easy to manage your policy, file claims, and access roadside help. It’s built for drivers who want control and convenience. But service quality and pricing can vary depending on what you need.
Pros
- Wide Range of Customization: Liberty Mutual sells several optional add-ons, including accident forgiveness, new car replacement and Deductible Fund. This enables you to customize your policy to suit your needs and your budget.
- Easy-to-Use App: Their mobile app supports claims filing, digital ID cards, and roadside assistance. It’s operable, no-frills and makes managing your policy a breeze.
- Coverage for Unique Situations: Liberty Mutual offers what’s called gap insurance and an original parts replacement feature, which can make it a good fit if you lease or drive a newer car and you want full coverage.
Cons
- Mixed Claims Satisfaction: Some policyholders report slow processing times or difficulty with claims communication, especially for complex repairs or total losses.
- Higher Prices After Add-Ons: While base policies can be competitive, costs can rise when you add extras. Coverage can become expensive compared to similar offerings from other insurers.
Liberty Mutual is a solid choice for drivers who want flexible coverage and digital tools but claim experiences vary. A post on Reddit describes how some customers, including home and motorcycle policyholders, have experienced no problems. Others, say older cars are more at risk of being totaled in accidents because of their higher repair costs and fewer parts in the used parts supply chain.
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This is consistent with wider worries about Liberty Mutual’s claims process — for every person who sails through the claims process, other policyholders report that the company totals cars instead of authorizing repairs. Making comparisons is essential to make sure it meets your requirements.
Who Should Choose Allstate or Liberty Mutual
Allstate works best for drivers who want a strong mobile app, personalized claims tracking, and flexible bundling. It’s a solid pick for families, tech-savvy users, and homeowners seeking digital support. If you’re already using Allstate for home or life, bundling makes sense. Liberty Mutual fits drivers who prioritize customizable coverage, especially young drivers or renters who benefit from usage-based insurance savings.
Its policy flexibility stands out, especially with optional add-ons and deductible options. If you value robust digital tools and brand longevity, Allstate is the better fit. If your focus is on building a tailored, discount-heavy policy, Liberty Mutual delivers more flexibility. Match the company to your needs—not just the rates.
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Frequently Asked Questions
Is Allstate and Liberty Mutual the same company?
No, Allstate and Liberty Mutual are not the same company. Allstate Corporation is headquartered in Northbrook, Illinois, while Liberty Mutual Group is based in Boston, Massachusetts. They operate independently and have separate underwriting practices, customer service departments, mobile apps, and claims processes. Each company sets its own rates and discount structures.
Does Allstate offer a military discount?
Yes, Allstate offers a military discount in select states. Active-duty service members, veterans, and their families may qualify, but availability depends on state laws and underwriting guidelines. The discount typically ranges from 5% to 10% off premiums. To apply, you need to provide military identification or proof of service to an Allstate agent.
Are Allstate rental car discounts available for policyholders?
Yes, Allstate rental car discounts are available through partners like Enterprise, Hertz, and National. You can access savings of 15% to 25% based on location and length of rental. These discounts apply even without a claim. If you want coverage during repairs, add rental car reimbursement coverage to your policy.
Does Allstate cover windshield repair?
Yes, Allstate covers windshield repair comprehensively. If your windshield has a small chip or crack (typically less than 6 inches), Allstate will often waive the deductible and cover the full cost of repair. Repairs are usually handled through third-party partners like Safelite AutoGlass, which can come to your home or office.
How does Allstate vs. Liberty Mutual home insurance compare?
Allstate home insurance offers more digital tools, including the Digital Locker for home inventory tracking. Liberty Mutual provides unique add-ons like inflation protection and blanket jewelry coverage. Allstate has higher customer satisfaction, while Liberty Mutual may be more competitive in pricing for older homes. Coverage options like water backup and equipment breakdown are available with both but differ in cost.
Is Liberty Mutual better than Allstate for auto insurance?
Liberty Mutual may be better for drivers seeking customized policy features, such as new car replacement and accident forgiveness. Allstate may be a more substantial choice for digital tools, with its Drivewise app offering safe-driving rewards. However, Allstate generally has better customer satisfaction scores, while Liberty Mutual offers more flexible bundling options. Rates vary by driver profile.
Is Allstate better than Travelers for auto insurance?
Allstate and Travelers are close competitors. Allstate offers more user-friendly apps and better mobile claims filing, while Travelers typically provides lower premiums for drivers with clean records. Both offer accident forgiveness and new car replacement, but Allstate’s bundling with home or renters policies tends to produce more significant savings. Travelers may offer better rates for multi-car households.
How does Allstate vs. Progressive compare in terms of pricing and service?
Progressive is usually cheaper, especially for drivers with recent tickets or younger drivers, averaging $105–$145 per month for full coverage. Allstate has slightly higher premiums but offers stronger agent support and tools like a Claim Satisfaction Guarantee. Progressive leads in custom quotes and usage-based options via Snapshot, while Allstate focuses more on local agent accessibility and service quality.
What are Liberty Mutual car insurance rates like for average drivers?
Liberty Mutual car insurance rates average $140–$210 per month for full coverage, depending on driving history, location, and vehicle. Young drivers and those with recent accidents typically pay higher premiums. Discounts for good students, safe driving, and bundling with home or renters insurance can significantly reduce rates, sometimes by up to 30%.
Liberty Mutual vs. State Farm: which one has better pricing?
State Farm offers lower rates than Liberty Mutual for most drivers. A full coverage policy with State Farm may average $115–$135 per month, while Liberty Mutual could be $140–$165. State Farm also has a more vigorous telematics discount program (Drive Safe & Save), while Liberty Mutual’s RightTrack offers smaller savings. Both provide bundling discounts, but State Farm tends to be more consistent in rate stability.
What’s the difference between State Farm and Liberty Mutual in coverage and service?
State Farm has a broader agent network and more substantial ratings for claims service. It also provides better options for accident forgiveness and usage-based insurance. Liberty Mutual offers more flexible add-ons, like home computer coverage and better renters insurance bundles. Both cover standard auto protections but differ in digital tools and customer satisfaction levels.
Does Allstate cover windshield replacement?
Yes, Allstate windshield replacement is covered if you have comprehensive insurance and the damage cannot be repaired. You’ll usually have to pay a deductible unless you’ve purchased Full Glass Coverage, which eliminates out-of-pocket costs. Replacement work is completed by approved service providers and typically requires scheduling an appointment through Allstate’s claims portal or app.
How does Liberty Mutual vs. Safe Auto compare for high-risk drivers?
Safe Auto caters to high-risk drivers needing state-minimum liability coverage, often without credit checks. Premiums may start as low as $85 a month but with limited options. Liberty Mutual provides more robust coverage, including optional add-ons like roadside assistance and custom parts coverage. While Liberty Mutual is more expensive, it’s better suited for drivers looking to improve coverage over time.
Find the best auto insurance rates no matter how much coverage you need by entering your ZIP code into our comparison tool today.
What are Allstate similar companies I should compare for auto insurance?
If you’re comparing Allstate, consider companies like State Farm, Progressive, Liberty Mutual, and Travelers. These insurers offer comparable products with competitive pricing. State Farm excels in agent availability and low rates, Progressive in high-risk affordability, Liberty Mutual in policy customization, and Travelers in bundling options. All provide online quotes and digital account management.
Which is better: Allstate vs. The General for car insurance?
Allstate offers more comprehensive coverage options, better customer service, and more tools like Drivewise to track driving habits. The General focuses on high-risk drivers and provides basic liability coverage with higher premiums. If you need full coverage or have a clean driving record, Allstate will likely offer better rates and value. The General may be suitable only for drivers who can’t qualify elsewhere.
