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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UPDATED: Jan 28, 2021
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- 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.
|State||Farmers Average Annual Rates||Liberty Mutual Average Annual Rates|
|Alaska||Data Not Available||$5,295.55|
|Arkansas||$4,257.87||Data Not Available|
|Arizona||$5,000.08||Data Not Available|
|Connecticut||Data Not Available||$7,282.87|
|District of Columbia||Data Not Available||Data Not Available|
|Delaware||Data Not Available||$18,360.02|
|Florida||Data Not Available||$5,368.15|
|Georgia||Data Not Available||$10,053.44|
|Kentucky||Data Not Available||$5,930.97|
|Louisiana||Data Not Available||Data Not Available|
|Maryland||Data Not Available||$9,297.55|
|Massachusetts||Data Not Available||$4,339.35|
|Mississippi||Data Not Available||$4,455.94|
|North Carolina||Data Not Available||$2,182.71|
|New Hampshire||Data Not Available||$8,444.41|
|New Mexico||$4,315.53||Data Not Available|
|New York||Data Not Available||$6,540.73|
|Pennsylvania||Data Not Available||$6,055.20|
|Rhode Island||Data Not Available||$6,184.12|
|South Carolina||$4,691.85||Data Not Available|
|Texas||Data Not Available||Data Not Available|
|Virginia||Data Not Available||Data Not Available|
|Vermont||Data Not Available||$3,621.08|
|West Virginia||Data Not Available||$2,924.39|
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.
|Driving Record||Farmers Average Annual Rates||Liberty Mutual Average Annual Rates|
|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|
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.
|Age, Gender, and Marital Status||Farmers Average Annual Rates||Liberty 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|
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.
|Ratings Website||Farmers Ratings||Liberty Mutual Ratings|
|AM Best||B++ (Good)||'A' ('Excellent')|
|Better Business Bureau||A+||A+|
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.
|Review Company||Farmers Ratings||Liberty Mutual Ratings|
|J.D. Power||865 (About Average)||857 (About Average)|
|Better Business Bureau||1.46/5 stars||1.13/5 stars|
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.
|Types of Coverage||Farmers Coverages||Liberty Mutual Coverages|
|Bodily injury liability||x||x|
|Personal Injury Protection (PIP)||x||x|
|Property damage liability||x||x|
|Uninsured/underinsured bodily injury||x||x|
|Uninsured/underinsured motorist property damage||x||x|
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.
|Discounts||Farmers Discounts Offered||Liberty Mutual Discounts Offered|
|Adaptive Cruise Control||x|
|Daytime Running Lights||x||x|
|Electronic Stability Control||x||x|
|Lane Departure Warning||x|
|Forward Collision Warning||x|
|New Customer/New Plan||x|
|On Time Payments|
|Seat Belt Use|
|Students & Alumni||x|
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.