Allstate vs Liberty Mutual
Liberty Mutual is the cheaper of these two on the published averages. Whether that makes it the better buy depends on three things the price never tells you.
The verdict
Liberty Mutual takes it, 2–0 on rounds.
On averages Liberty Mutual is cheaper by about $54 a year — but get your own quote from both, because the published averages disagree with each other by nearly as much as they differ from one another.
Choose Allstate if…
- • You want Allstate's particular strengths
- • You drive well and will accept being monitored
Choose Liberty Mutual if…
- • You want Liberty Mutual's lower average rate
- • You want a telematics programme that cannot raise your rate
Round by round
- Round 1Being tracked for a discountLiberty Mutual winsAllstate5/10
40% max
Drivewise — can increase your rate
- Advertised up to 40%
- Opt-in
- Bad driving can increase your premium
- Typical real saving is nearer 10%
Source: https://www.insuremojo.com/telematics-insurance-discount-programs/
Liberty Mutual8/1030% max
RightTrack — discount only, never an increase
- Cannot be used to raise your rate
- Opt-in
- Advertised maximum is rarely reached
- Typical real saving is nearer 10%
Source: https://www.insuremojo.com/telematics-insurance-discount-programs/
Liberty Mutual can only discount you. The other one can charge you more.
- Round 2What happens when you claimLiberty Mutual winsAllstate6/10
no standout record
nothing notable in the published studies
- Large enough to have a mature claims operation
- Not a leader on claims satisfaction
Source: https://www.jdpower.com/business/insurance/auto-claims-satisfaction-study
Liberty Mutual8/10see note
third on the J.D. Power 2025 auto claims satisfaction study, behind Erie and NJM
- Among the better records on the public data
Source: https://www.jdpower.com/business/insurance/auto-claims-satisfaction-study
The cheap ones are rarely the ones you want on the phone after a crash.
- Round 3Size, reach and who you deal withTieAllstate7/10
major national insurer, agent-based
market position
- Established national carrier
Source: https://www.usnews.com/insurance/auto/cheapest-car-insurance-companies
Liberty Mutual7/10top-five auto insurer
market position
- Established national carrier
Source: https://www.usnews.com/insurance/auto/cheapest-car-insurance-companies
Both are big enough to pay a claim. That is the floor, not a feature.
Side by side
- Rates vary widely by driver
- Figures from independent rate studies
- Advertised up to 40%
- Opt-in
- Rates vary widely by driver
- Figures from independent rate studies
- Among the better records on the public data
- Established national carrier
- About $885/yr more on average
- Bad driving can increase your premium
- Typical real saving is nearer 10%
- About $855/yr more on average
- About $831/yr more on average
- About $801/yr more on average
- Advertised maximum is rarely reached
- Typical real saving is nearer 10%