Farmers vs. Liberty Mutual Car Insurance (2021)

When comparing Farmers vs. Liberty Mutual car insurance, you will notice that they base their rates on many factors, including your driving record, credit score, age, and more. Both Farmers and Liberty Mutual have high financial ratings from AM Best and the Better Business Bureau. Car insurance discounts offered by Farmers and Liberty Mutual include defensive driver, federal employee, and more.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jan 28, 2021

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The Highlights

  • Farmers and Liberty Mutual are both reputable companies with plenty of locations around the country.
  • Plenty of car insurance discounts are offered by both companies.
  • Liberty and Farmers have similar rates, depending on where you live.

While both companies are good in their own ways, you will find some major differences when comparing Farmers vs. Liberty Mutual. Both companies are featured in our article on the best insurance companies and feature plenty of car insurance policies, including accident forgiveness, roadside assistance, and much more. Additionally, both Farmers vs. Liberty Mutual offer a variety of car insurance discounts that may make rates more affordable.

Both Liberty and Farmers use several of the same factors when determining rates, which we cover and compare below. It’s a good idea to have all the information you can on both companies when choosing between Farmers vs. Liberty Mutual. Read on and compare rates by using our comparison tool.

Farmers vs. Liberty Mutual: Comparing Car Insurance Rates

As you will see in the sections below, Farmers and Liberty Mutual offer similar rates based on some factors, and vastly different rates depending on others. Check below to see where your rates might be.

Which is cheapest by state?

Where you live greatly determines which company offers the lowest rates as can be seen in the chart below.

Farmers Vs. Liberty Average Annual Car Insurance Rates by State
StateFarmers Average Annual RatesLiberty Mutual Average Annual Rates
AlaskaData Not Available$5,295.55
Alabama$4,185.80$4,005.48
Arkansas$4,257.87Data Not Available
Arizona$5,000.08Data Not Available
California$4,998.78$3,034.42
Colorado$5,290.24$2,797.74
ConnecticutData Not Available$7,282.87
District of ColumbiaData Not AvailableData Not Available
DelawareData Not Available$18,360.02
FloridaData Not Available$5,368.15
GeorgiaData Not Available$10,053.44
Hawaii$4,763.82$3,189.55
Iowa$2,435.72$4,415.28
Idaho$3,168.28$2,301.51
Illinois$4,605.20$2,277.65
Indiana$3,437.55$5,781.35
Kansas$3,703.77$4,784.42
KentuckyData Not Available$5,930.97
LouisianaData Not AvailableData Not Available
Maine$2,770.15$4,331.39
MarylandData Not Available$9,297.55
MassachusettsData Not Available$4,339.35
Michigan$8,503.60$20,000.04
Minnesota$3,137.45$13,563.61
Missouri$4,312.19$4,518.67
MississippiData Not Available$4,455.94
Montana$3,907.55$1,326.11
North CarolinaData Not Available$2,182.71
North Dakota$3,092.49$12,852.83
Nebraska$3,997.29$6,241.52
New HampshireData Not Available$8,444.41
New Jersey$7,617.00$6,766.62
New Mexico$4,315.53Data Not Available
Nevada$5,595.56$6,201.55
New YorkData Not Available$6,540.73
Ohio$3,423.01$4,429.74
Oklahoma$4,142.40$6,874.62
Oregon$3,753.52$4,334.55
PennsylvaniaData Not Available$6,055.20
Rhode IslandData Not Available$6,184.12
South Carolina$4,691.85Data Not Available
South Dakota$3,768.80$7,515.99
Tennessee$3,430.07$6,206.69
TexasData Not AvailableData Not Available
Utah$3,907.99$4,327.76
VirginiaData Not AvailableData Not Available
VermontData Not Available$3,621.08
Washington$2,962.00$3,994.73
West VirginiaData Not Available$2,924.39
Wisconsin$3,777.49$6,758.85
Wyoming$3,069.35$1,989.36
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As you can see, while Farmers has higher rates in Hawaii, it’s annual rates are much lower than Liberty Mutual’s in Iowa. For information on the insurance laws in your state, check out the NAIC website.

Which is cheapest by driving record?

The chart below shows how different car insurance rates can be based on your driving record.

Farmers vs. Liberty Mutual Average Annual Car Insurance Rates by Driving Record
Driving RecordFarmers Average Annual RatesLiberty Mutual Average Annual Rates
Clean Record$3,460.60$4,774.30
With One Accident$4,518.73$6,204.78
With One DUI$4,718.75$7,613.48
With One Speeding Violation$4,079.01$5,701.26
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No matter which company you go with, those with a clean driving record will usually pay much less.

Which is cheapest by age and gender?

If you are a younger driver, you can expect to pay more in car insurance rates, no matter which company you buy insurance from.

Farmers Vs. Liberty Mutual: Average Annual Car Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusFarmers Average Annual RatesLiberty Mutual Average Annual Rates
Married 35-year old female$2,556.98$3,802.77
Married 35-year old male$2,557.75$3,856.84
Married 60-year old female$2,336.80$3,445.00
Married 60-year old male$2,448.39$3,680.53
Single 17-year old female$8,521.97$11,621.01
Single 17-year old male$9,144.04$13,718.69
Single 25-year old female$2,946.80$3,959.67
Single 25-year old male$3,041.44$4,503.13
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As you can see, the married 60-year old female pays the lower rates from both companies. That being said, it is illegal for companies to base rates on your gender in several states, including Hawaii, Massachusetts, Montana, Pennsylvania, and North Carolina.

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Farmers vs. Liberty Mutual: Ratings and Customer Satisfaction

What are their financial ratings?

Financial ratings are important to consider when comparing Liberty Mutual and Farmers as these ratings indicate the financial stability of both companies.

Farmers vs. Liberty Mutual Financial Ratings
Ratings WebsiteFarmers RatingsLiberty Mutual Ratings
AM BestB++ (Good)'A' ('Excellent')
S&PN/A(A-) “Strong”
Moody'sN/A(A2) “Good”
Better Business BureauA+A+
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As you can see, both companies have high financial ratings, though Liberty Mutual did a bit better with AM Best.

How do customers rate them?

Customer reviews online for both companies are fairly mixed. Below, we’ve provided Liberty Mutual and Farmers’ scores from Consumer Reports and more.

Farmers vs. Liberty Mutual Customer Satisfaction Ratings
Review CompanyFarmers RatingsLiberty Mutual Ratings
Consumer Reports89N/A
J.D. Power865 (About Average)857 (About Average)
Better Business Bureau1.46/5 stars1.13/5 stars
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Both companies received similar scores in terms of customer satisfaction ratings. Our Farmers Insurance review and Liberty Mutual review offer information on customer complaints about both companies.

Farmers vs. Liberty Mutual: Car Insurance Coverage and Options

Both Farmers and Liberty Mutual Insurance offer plenty of different coverage options. Farmers and Liberty Mutual customer service are available to reach throughout the week, however, they both have defined hours. To pay bills, make claims, and more, you can easily create a Farmers or Liberty Mutual login on their respective websites. The Liberty Mutual phone number for customer support is 1 (800) 290-7933.

What are their coverage options?

Liberty Mutual and Farmers offer plenty of different coverage options, though their rates can differ based on many factors.

Farmers vs. Liberty Coverage Types Offered
Types of CoverageFarmers CoveragesLiberty Mutual Coverages
Bodily injury liabilityxx
Personal Injury Protection (PIP)xx
Property damage liabilityxx
Comprehensivexx
Collisionxx
Uninsured/underinsured bodily injuryxx
Uninsured/underinsured motorist property damagexx
Medical paymentsxx
Roadside assistancexx
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For an accurate list of the coverage options offered in your area, it is best to speak with an agent from either company.

What discounts do they offer?

Saving on auto insurance rates can be easily done, thanks to many discounts out there. See if you might qualify for any of the discounts listed below.

Farmers Vs. Liberty Mutual Car Insurance Discounts Offered
DiscountsFarmers Discounts OfferedLiberty Mutual Discounts Offered
Adaptive Cruise Controlx
Adaptive Headlightsxx
Anti-lock Brakesxx
Anti-Theftxx
Daytime Running Lightsxx
Electronic Stability Controlxx
Utility Vehiclex
Vehicle Recoveryxx
VIN Etchingxx
Lane Departure Warningx
Newer Vehiclex
Green Vehiclexx
Forward Collision Warningx
Claim Freexx
Continuous Coveragex
Defensive Driverxx
Distant Studentx
Driver's Edxx
Driving Device/Appx
Early Signingx
Emergency Deployment
Family Legacyx
Family Planx
Farm Vehicle x
Federal Employeexx
Full Paymentxx
Further Educationx
Garaging/Storingx
Good Studentxx
Homeownerxx
Low Mileagexx
Marriedx
Membership/Groupx
Militaryxx
Multiple Policiesxx
Multiple Vehiclesxx
New Addressx
New Customer/New Planx
New Graduatex
Newly Licensedx
Newlywedsx
Occupationxx
On Time Payments
Paperless Documentsx
Paperless/Auto Billingxx
Passive Restraintxx
Recent Retireesx
Safe Driverx
Seat Belt Use
Senior Driverx
Students & Alumnix
Switching Providerxx
Young Driverx
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As you can see, both companies offer plenty of discounts, so chances are you may qualify for at least a few.

Farmers vs. Liberty Mutual: Which company is best?

If you are looking to buy Farmers vs. Liberty Mutual car insurance, then it is important to consider rates, discounts, coverage options, and customer service. Farmers vs. Liberty Mutual car insurance rates can depend greatly on many different factors. Both companies offer plenty of discounts as well as roadside assistance options. A great way to compare Farmers vs. Liberty Mutual car insurance is to speak with an agent from each company in your area.

If you are looking to compare Farmers vs. Liberty Mutual car insurance quotes, you will also want to compare quotes from other companies as well. Enter your ZIP code into our comparison tool below for a quick comparison of companies in your area.

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