Liberty Mutual vs. USAA Car Insurance (2021)

Our Liberty Mutual vs. USAA car insurance guide will help you decide between two great companies when looking at rates. Liberty Mutual car insurance is a better choice for drivers with good credit or want an established company. USAA is a better choice for active, retired, or reserve military members and their families looking for customer satisfaction. Which one is best for your situation? Find out with multiple car insurance rate quotes.

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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: Feb 17, 2021

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The Highlights

  • USAA and Liberty Mutual are among the country’s top insurance companies and provide insurance in every state.
  • USAA and Liberty Mutual insure many types of vehicles, homes, properties, and more.
  • Liberty Mutual provides more opportunities for discounts than USAA.
  • USAA does not insure civilians. Their insurance is open to current, retired, and reserved US Armed Forces and their families.

It’s also good to compare the insurance companies when looking for insurance rates. Liberty Mutual and USAA are known for being top-rated companies in the industry. So, Liberty Mutual vs. USAA, which is the best company for you?

Liberty Mutual is the highest rated car insurance company, but the best insurance company will be different for customers based on circumstances and need. Compare the best car insurance companies to find the best fit for you.

You can get free quotes from Liberty Mutual and USAA today when you enter your ZIP code into our comparison tool.

What is Liberty Mutual?

Liberty Mutual Insurance is the sixth-largest global property and casualty insurers. They currently employ over 50,000 people in over 900 locations around the world, including 45 US states.

Liberty Mutual Overview
Liberty Mutual OverviewDetails
Year Founded1912
Current ExecutivesDavid H. Long - Chairman, President, and CEO
Number of Employees50,000
Total Assets (2017)$142,502 million
HQ Address175 Berkeley Street
Boston, MA 02116
Phone Number1-800-290-8206
Company Websitehttps://www.libertymutual.com
Premiums Written (Auto, 2017)$11,585,976
Loss Ratio67.16%
Best ForDrivers with good credit, those that prefer a large, financially stable company
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They formed on July 1, 1912, as Massachusetts Employees Insurance Association (MEIA) with worker’s compensation insurance to companies. The first auto policy sold in 1918. Then Liberty Mutual continued to expand and innovate its offers.

Liberty Mutual Insurance is well established in multiple types of insurances. Liberty Mutual covers cars, motorcycles, boats, off-road vehicles, homes, renters, landlords, flood, life, identity theft, pets, and more.

If you ever need to file a claim, it only takes 5-10 minutes and basic details to get started.

Liberty Mutual customer service is available with your online account 24 hours a day, seven days a week, 365 days a year. Head to the Liberty Mutual login page to view your policy, make changes, and get help when you need it.

Liberty Mutual has a mobile app for fast access to ID cards, pay bills, file and manage claims, view policy documents, update information, and see policy and coverage details. The app is available on Apple and Android devices.

If you ever need to contact a Liberty Mutual customer service representative then you can text your question at any time to 80361, Tweet @AskLiberty, send a message on Facebook, or call the Liberty Mutual phone number at 1-888-665-2145.

What are the financial strength and customer service ratings for Liberty Mutual?

How do rating companies rank Liberty Mutual?

Liberty Mutual Financial Strength and Customer Satisfaction Ratings
Ratings AgencyLiberty Mutual Ratings
A.M. BestA
Better Business BureauA-
Moody'sA2
S&PA
NAIC Complaint Index6.27
JD PowerClaims Satisfaction 2/5
Shopping Study 3/5
Consumer Reports88
Consumer Affairs2 stars/328 reviews
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This is a good, objective way to determine how good an insurer is: by looking at their ratings.

How much are Liberty Mutual’s car insurance rates?

The average car insurance rate varies by location, personal history, and other factors.

Liberty Mutual Rates By State Compared to Average

StateAverage Annual Rates$ Higher/Lower Than State Average% Higher/Lower Than State Average
Alabama$4,005.48$438.5210.95%
Alaska$5,295.55$1,874.0435.39%
California$3,034.42-$654.51-21.57%
Colorado$2,797.74-$1,078.65-38.55%
Connecticut$7,282.87$2,663.9536.58%
Delaware$18,360.02$12,373.6967.39%
Florida$5,368.15$687.6912.81%
Georgia$10,053.44$5,086.6150.60%
Hawaii$3,189.55$633.9119.87%
Idaho$2,301.51-$677.58-29.44%
Illinois$2,277.65-$1,027.83-45.13%
Indiana$5,781.35$2,366.3840.93%
Iowa$4,415.28$1,434.0032.48%
Kansas$4,784.42$1,504.8031.45%
Kentucky$5,930.97$735.5712.40%
Maine$4,331.39$1,378.1231.82%
Maryland$9,297.55$4,714.8550.71%
Massachusetts$4,339.35$1,660.5038.27%
Michigan$20,000.04$9,501.4047.51%
Minnesota$13,563.61$9,160.3667.54%
Mississippi$4,455.94$791.3717.76%
Missouri$4,518.67$1,189.7426.33%
Montana$1,326.11-$1,894.73-142.88%
Nebraska$6,241.52$2,957.8447.39%
Nevada$6,201.55$1,339.8521.61%
New Hampshire$8,444.41$5,292.6462.68%
New Jersey$6,766.62$1,251.4018.49%
New York$6,540.73$2,250.8534.41%
North Carolina$2,182.71-$1,210.40-55.45%
North Dakota$12,852.83$8,686.9967.59%
Ohio$4,429.74$1,720.0338.83%
Oklahoma$6,874.62$2,732.3039.74%
Oregon$4,334.55$866.7820.00%
Pennsylvania$6,055.20$2,020.7033.37%
Rhode Island$6,184.12$1,180.7619.09%
South Dakota$7,515.99$3,533.7247.02%
Tennessee$6,206.69$2,545.8041.02%
Utah$4,327.76$715.8716.54%
Vermont$3,621.08$386.9510.69%
Washington$3,994.73$935.4123.42%
West Virginia$2,924.39$329.0311.25%
Wisconsin$6,758.85$3,152.7946.65%
Wyoming$1,989.36-$1,210.72-60.86%
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Some states, like Montana and Wyoming, have more affordable rates than the state averages. Other states, like Delaware and Michigan, see higher rates than the state averages.

Liberty Mutual Rates by Credit Score

Your credit score can also affect your car insurance rates. Take a look at the table below to see some examples.

Liberty Mutual Average Annual Rates by Credit History
Credit HistoryLiberty Mutual Average Annual Rates
Poor$8,802.22
Fair$5,604.24
Good$4,388.18
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Your rates can increase if your credit isn’t the best.

Liberty Mutual Rates by Driving Record

Your driving record is one of the biggest factors in determining your rates.

Liberty Mutual Average Annual Rates by Driving Record
Driving RecordLiberty Mutual Average Annual Rates
Clean Record$4,774.30
One Speeding Ticket$5,701.26
One Accident$6,204.78
One DUI$7,613.48
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You can see your rates double with one DUI.

What car insurance discounts are available through Liberty Mutual?

Liberty Mutual Insurance provides discounts on car insurance if you’re a homeowner; an active, retired, or reserved in the US military; obtain a quote before your current insurance expires; maintain a GPA of B or better; or if your child is away at school without your car.

Your car can also qualify for additional discounts if it has advanced safety features, uses alternative energy, or is equipped with anti-theft technology. If you remain accident and violation-free, Liberty Mutual rewards you with discounts.

You may also enroll in the RightTrack program for an initial discount for participation and a final discount of up to 30 percent with good driving behavior.

Finally, your policy qualifies for additional discounts with multiple policies and multiple cars. Discounts are applied when you enroll in automatic payment and paperless billing, if you pay in full, and when policies are purchased online.

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What is USAA insurance?

United Services Automobile Association (USAA) serves the current and former military community along with their spouses and children. They currently employ over 35,000 people in 12 locations around the world, including seven US states.

USAA Overview Table
Key InfoProvider Specifics
Year Founded1922
Current ExecutivesChairman - General Lester Lyles, USAF (Ret.)
CEO - Capt Stuart Parker, USAF (Ret.)
Number of Employees32,896
Net Income (2017)
Total Assets
$2.422 billion
$155.391 billion
Headquarters Address9800 Fredericksburg Rd.
San Antonio, TX 78288
Phone Number1 (800) 531-8722
WebsiteUSAA.com
Private Passenger Auto Premiums Written (2017)$13,154,939,000
Loss Ratio (2017) 79.60%
Best ForCustomer Satisfaction
Low Rates
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In 1922, 25 Army officers decided to insure each other’s vehicles. Today, USAA is a diversified financial services group of companies providing insurance, investments, and banking products.

Membership is open to current US military, veterans who have honorably served, and their eligible family members. Even if you’re not eligible for USAA membership, there’s access to some products through their associations with other leading companies.

USAA provides insurance on cars, motorcycles, boats, renters, home, flood, life, and more. If you ever need to file a claim, you can use their website to file in just a few clicks.

USAA customer service is available any time via an automated chat interface on their website. Head to the USAA login page to access insurance and banking information as well as personalized advice and shopping discounts for USAA members.

USAA has a mobile app for fast access to manage insurance, banking, and more from Apple or Android devices. The in-app assistant can provide guidance or get you in touch with a USAA representative.

If you ever need to contact a customer service representative, you can call the main USAA phone number at 800-531-8722.

What are the financial strength and customer service ratings for USAA?

Check out USAA’s financial strength and customer service ratings.

USAA Company Ratings
AgencyRatings
AM BestA++
Better Business Bureau (San Antonio Headquarters)B-
Moody'sAaa
S&PAA+
NAIC Complaint Index (2017)0.75 (below the national average of 1.0)
JD Power5 out of 5 stars for overall claims satisfaction
Consumer Reports95 out of 100
Consumer Affairs1 1/2 out of 5 stars based on 266 ratings
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Companies like J.D. Power and A.M. Best are highly respected in the insurance industry.

What are the average car insurance rates with USAA?

Car insurance rates are lower than the state average in all 50 states, as you can see below.

Liberty Mutual Rates By State Compared to Average

StateAverage Annual RatesUSAA Average Annual Rates$ Higher/ Lower Than State Average% Higher/ Lower Than State Average
Alabama$3,566.96$2,124.09-$1,442.87-40.45%
Alaska$3,421.51$2,454.21-$967.30-28.27%
Arizona$3,770.97$3,084.29-$686.68-18.21%
Arkansas$4,124.98$2,171.06-$1,953.92-47.37%
California$3,688.93$2,693.87-$995.06-26.97%
Colorado$3,876.39$3,338.87-$537.52-13.87%
Connecticut$4,618.92$3,190.00-$1,428.92-30.94%
Delaware$5,986.32$2,325.98-$3,660.34-61.15%
District of Columbia$4,439.24$2,580.44-$1,858.80-41.87%
Florida$4,680.46$2,850.41-$1,830.05-39.10%
Georgia$4,966.83$3,157.46-$1,809.37-36.43%
Hawaii$2,555.64$1,189.35-$1,366.29-53.46%
Idaho$2,979.09$1,877.61-$1,101.48-36.97%
Illinois$3,305.48$2,770.21-$535.27-16.19%
Indiana$3,414.97$1,630.86-$1,784.11-52.24%
Iowa$2,981.28$1,852.57-$1,128.71-37.86%
Kansas$3,279.62$2,382.61-$897.01-27.35%
Kentucky$5,195.40$2,897.89-$2,297.51-44.22%
Louisiana$5,711.34$4,353.12-$1,358.22-23.78%
Maine$2,953.28$1,930.79-$1,022.49-34.62%
Maryland$4,582.70$2,744.14-$1,838.56-40.12%
Massachusetts$2,678.85$1,458.99-$1,219.86-45.54%
Michigan$10,498.64$3,620.00-$6,878.64-65.52%
Minnesota$4,403.25$2,861.60-$1,541.65-35.01%
Mississippi$3,664.57$2,056.13-$1,608.44-43.89%
Missouri$3,328.93$2,525.78-$803.15-24.13%
Montana$3,220.84$2,031.89-$1,188.95-36.91%
Nebraska$3,283.68$2,330.78-$952.90-29.02%
Nevada$4,861.70$3,069.07-$1,792.63-36.87%
New Hampshire$3,151.77$1,906.96-$1,244.81-39.50%
New Mexico$3,463.64$2,296.77-$1,166.87-33.69%
New York$4,289.88$3,761.69-$528.19-12.31%
North Dakota$4,165.84$2,006.80-$2,159.04-51.83%
Ohio$2,709.71$1,478.46-$1,231.25-45.44%
Oklahoma$4,142.33$3,174.15-$968.18-23.37%
Oregon$3,467.77$2,587.15-$880.62-25.39%
Pennsylvania$4,034.50$1,793.37-$2,241.13-55.55%
Rhode Island$5,003.36$4,323.98-$679.38-13.58%
South Carolina$3,781.14$3,424.77-$356.37-9.42%
Tennessee$3,660.89$2,739.28-$921.61-25.17%
Texas$4,043.28$2,487.89-$1,555.39-38.47%
Utah$3,611.89$2,491.10-$1,120.79-31.03%
Vermont$3,234.13$1,903.55-$1,330.58-41.14%
Virginia$2,357.87$1,858.38-$499.49-21.18%
Washington$3,059.32$2,262.16-$797.16-26.06%
West Virginia$2,595.36$1,984.62-$610.74-23.53%
Wisconsin$3,606.06$2,975.74-$630.32-17.48%
Wyoming$3,200.08$2,779.53-$420.55-13.14%
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However, the average rates still vary by location, personal history, and other factors.

USAA Rates by Credit History

Check out USAA rates by credit history.

USAA Average Annual Rates by Credit History

StateGood Credit Average Annual RatesFair Credit Average Annual RatesPoor Credit Average Annual Rates
AK$1,832.10$2,189.01$3,341.50
AL$1,659.50$1,858.49$2,854.28
AR$1,673.63$1,963.67$2,875.86
AZ$2,358.75$2,834.88$4,059.25
CA$2,693.87$2,693.87$2,693.87
CO$2,256.64$2,816.63$4,943.34
CT$2,505.79$2,847.51$4,216.70
DC$1,709.33$2,164.52$3,867.47
DE$1,327.18$1,841.00$3,809.76
FL$1,645.31$2,266.46$4,639.45
GA$2,469.31$2,892.23$4,110.85
HI$1,189.35$1,189.35$1,189.35
IA$1,449.24$1,673.25$2,435.22
ID$1,288.66$1,599.54$2,744.62
IL$2,087.74$2,533.67$3,689.19
IN$1,244.14$1,451.50$2,196.92
KS$1,754.93$2,135.09$3,257.80
KY$1,970.40$2,416.87$4,306.41
LA$3,207.81$3,841.14$6,010.39
MA$1,930.79$1,930.79$1,930.79
MD$2,063.46$2,509.68$3,659.27
ME$1,145.82$1,316.55$1,914.61
MI$2,351.17$3,090.30$5,418.52
MN$1,905.46$2,192.66$4,486.70
MO$1,404.32$1,960.03$4,212.99
MS$1,527.71$1,830.51$2,810.16
MT$1,500.58$1,854.79$2,740.31
ND$1,495.25$1,754.69$2,770.47
NE$1,784.20$2,102.11$3,106.02
NH$1,432.74$1,701.57$2,586.58
NM$1,864.57$2,151.20$2,874.51
NV$2,166.80$2,647.55$4,392.85
NY$2,570.78$2,913.64$5,800.63
OH$1,157.84$1,358.48$1,919.04
OK$2,139.63$2,681.79$4,701.02
OR$1,723.23$2,163.24$3,874.97
PA$1,473.98$1,664.45$2,241.67
RI$2,911.61$3,646.05$6,414.26
SC$2,299.10$2,628.01$5,347.18
TN$1,918.82$2,326.47$3,972.57
TX$1,695.87$2,109.34$3,658.48
UT$1,624.05$2,276.89$3,572.35
VA$1,397.63$1,693.24$2,484.28
VT$1,318.17$1,642.30$2,750.18
WA$1,839.15$2,092.36$2,854.97
WI$1,288.58$1,612.94$3,052.35
WV$2,016.11$2,521.42$4,389.67
WY$1,496.84$2,124.46$4,717.29
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Once again, your credit can affect your rates.

USAA Rates by Driving Record

Take a look at the table below to see how USAA rates can vary based on your driving record.

USAA Average Annual Rates by Driving Record

StateClean Record Average Annual Rates Average Annual Rates With One Speeding Violation Average Annual Rates With One Accident Average Annual Rates With One DUI
AK$1,928.44$2,182.93$2,473.74$3,231.71
AL$1,633.79$1,767.36$2,050.06$3,045.15
AR$1,667.81$1,850.74$2,115.02$3,050.64
AZ$2,243.31$2,640.48$3,213.87$4,239.51
CA$1,789.53$1,960.41$2,663.65$4,361.87
CO$2,439.12$2,750.39$2,973.13$5,192.84
CT$2,470.92$2,470.92$3,104.23$4,713.94
DC$1,969.44$2,212.93$2,510.06$3,629.33
DE$1,916.79$2,189.94$1,916.79$3,280.40
FL$2,233.94$2,341.64$2,755.24$4,070.81
GA$2,416.20$2,693.63$3,058.95$4,461.07
HI$901.18$942.77$1,109.67$1,803.79
IA$1,415.07$1,624.77$1,899.89$2,470.55
ID$1,347.13$1,632.11$1,921.59$2,609.61
IL$1,973.79$2,380.90$2,838.49$3,887.63
IN$1,231.70$1,526.86$1,753.24$2,011.63
KS$1,744.07$1,997.23$2,346.29$3,442.84
KY$2,182.03$2,627.86$3,087.95$3,693.72
LA$3,321.62$3,965.32$4,611.20$5,514.32
MA$1,374.38$1,537.36$1,784.07$3,027.34
MD$2,158.09$2,323.31$2,645.44$3,849.72
ME$1,109.22$1,219.90$1,459.07$2,047.78
MI$2,912.07$3,173.82$3,633.49$4,760.60
MN$2,126.06$2,531.74$2,706.41$4,082.21
MO$2,030.33$2,215.48$2,457.96$3,399.34
MS$1,605.09$1,785.35$2,050.33$2,783.74
MT$1,531.17$1,868.12$1,901.51$2,826.76
ND$1,425.96$1,760.03$2,018.24$2,822.98
NE$1,768.34$2,003.27$2,226.95$3,324.55
NH$1,472.06$1,711.29$1,981.71$2,462.79
NM$1,705.93$1,986.84$2,372.58$3,121.71
NV$2,340.32$2,643.85$2,948.75$4,343.35
NY$3,348.28$3,402.69$3,402.69$4,893.09
OH$1,135.07$1,257.56$1,521.70$1,999.49
OK$2,341.22$2,880.43$3,362.41$4,112.53
OR$1,878.71$2,199.05$2,623.09$3,647.75
PA$1,442.82$1,612.21$1,992.43$2,126.01
RI$3,139.23$3,333.54$4,263.97$6,559.16
SC$2,706.69$3,032.40$3,341.10$4,618.87
TN$1,992.65$2,470.89$2,984.18$3,509.42
TX$1,857.94$2,132.76$2,737.15$3,223.73
UT$1,957.81$2,193.89$2,476.70$3,335.98
VA$1,439.40$1,656.08$1,869.23$2,468.83
VT$1,450.28$1,612.57$1,830.96$2,720.40
WA$1,664.33$1,966.78$2,409.13$3,008.40
WI$1,554.36$1,773.31$1,959.72$2,651.10
WV$2,338.74$2,851.73$2,765.94$3,946.53
WY$2,184.09$2,380.48$2,649.43$3,904.12
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Staying safe and courteous on the roads can save you money down the line.

Available Car Insurance Discounts

USAA Insurance provides discounts on car insurance if you’re storing your car on a military installation, maintain good grades, or you have a clean driving record. Your car can also qualify for additional discounts if it is less than three years old or is equipped with anti-theft technology.

Finally, your policy qualifies for additional discounts with multiple policies and multiple cars. Families also gain discounts for staying with USAA for loyalty.

How do Liberty Mutual vs USAA car insurance compare?

Liberty Mutual is the highest rated car insurance company, but the best insurance company will be different for customers based on circumstances and need. Understand how to navigate auto insurance so you can prepare before you buy.

Did we miss anything in this guide? You can get free quotes from Liberty Mutual and USAA today when you enter your ZIP code into our comparison tool.

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