Liberty Mutual vs Geico: Car Insurance Rates and Coverage

Liberty Mutual vs Geico

Car insurance from Geico is cheaper, but Liberty Mutual has lots of discounts and coverage add-ons.

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Geico and Liberty Mutual are the second- and seventh-largest insurance providers in the country, with policies available in all 50 states.

Geico offers cheaper car insurance quotes than Liberty Mutual, along with a superior customer service experience. However, Liberty Mutual's long list of discounts and useful coverage add-ons may make it a good fit for some drivers.

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Liberty Mutual
Geico
Price
Discounts
Coverage
Customer service
Availability
Editor's rating
Our full reviewLiberty Mutual reviewGeico review

Liberty Mutual vs. Geico car insurance quotes

Geico is a clear winner for affordable car insurance rates.

Car insurance quotes from Geico are between 8% and 44% cheaper than those from Liberty Mutual. In addition, both minimum- and full-coverage policies from Geico are cheaper than the national average.

However, Liberty Mutual offers an exceptional number of discounts to help make rates more affordable.

Many of Liberty Mutual's discounts are easy to earn and available to all drivers. For example, it offers a discount of up to 10% for purchasing your policy online.


Cheapest for most drivers: Geico

Geico has cheaper car insurance prices than Liberty Mutual across multiple coverage levels. A minimum-coverage policy from Geico costs $667 per year, or $56 per month, on average. That's $185 per year cheaper than the same coverage from Liberty Mutual, and $118 less expensive than the national average.

Graph comparing car insurance rates from Geico and Liberty Mutual

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Full-coverage car insurance is also cheaper with Geico. A policy costs $108 per month, which is $49 per month cheaper than Liberty Mutual.

Coverage
Liberty Mutual
Geico
Minimum coverage$852$667
Full coverage$1,879$1,291

Cheapest for drivers with a prior incident: Geico

Geico also has cheaper quotes than Liberty Mutual for drivers with a recent speeding ticket or accident on their record.

Drivers who have been involved in an at-fault accident will find Geico's rates to be particularly low. A full-coverage policy costs $1,900 per year, or $158 per month, which is $981 per year cheaper than Liberty Mutual.

Graph comparing Liberty Mutual and Geico quotes for drivers with prior incidents

Drivers who recently received a speeding ticket pay less with Geico, too. A full-coverage policy costs $2,297 per year — $209 per year cheaper than Liberty Mutual.

Incident
Liberty Mutual
Geico
Speeding ticket$2,506$2,297
Accident$2,881$1,900

Cheapest for young drivers: Geico

Geico has an even more competitive rate advantage when it comes to young drivers. On average, an 18-year-old driver pays 42% less for a policy with Geico than Liberty Mutual. That's an average savings of $2,182 per year.

Graph comparing Liberty Mutual vs Geico quotes for young drivers

Geico is particularly cheap for young drivers shopping for full-coverage car insurance. At $3,854 per year, a policy from Geico costs $3,078 less per year than a policy from Liberty Mutual. However, both insurers are cheaper than the national average for 18-year-olds, which is $7,396 per year.

Coverage
Liberty Mutual
Geico
Minimum coverage$3,258$1,972
Full coverage$6,932$3,854

Insurers consider young drivers — especially teenagers — at a high risk of getting into an accident. Young people should always compare rates from multiple insurers to find the best policy.

Young drivers can also consider joining their parents' auto insurance policy. Their rates will be more expensive if you're on the policy, but the price of a combined policy is usually less than the cost of having separate policies across family members.


Liberty Mutual vs. Geico discounts

Liberty Mutual offers more discounts than Geico.

Many of Liberty Mutual's discounts are easy to earn like its early shopper discount for getting a quote before your current policy expires.

Both Geico and Liberty Mutual offer a military discount. However, Geico's discount is only available to active-duty service members and veterans. Liberty Mutual extends the discount to reservists, too.

Discount
Liberty Mutual
Geico
Claims-free
Early shopper
Homeowner
Online purchase
Paperless
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Liberty Mutual RightTrack vs. Geico DriveEasy

Liberty Mutual RightTrack is a better usage-based program than Geico DriveEasy. Both programs track your driving habits using an app on your phone, allowing you to earn a discount by practicing safe driving practices.

Liberty Mutual offers drivers a discount of 5% to 30% for participating in its RightTrack program. The company monitors your driving for 90 days and determines your discount at the end of that period.

Geico's DriveEasy program offers a discount of up to 25% and monitors your driving for a full policy period.

There are three major differences between the programs:

  1. If you exhibit poor driving habits, like speeding or hard braking, Geico may increase your car insurance rate. Liberty Mutual will not increase your rate, but you may not receive a discount.
  2. Geico penalizes drivers for handheld phone calls and active phone use, while Liberty Mutual does not.
  3. Liberty Mutual RightTrack is available in 41 states, while Geico's program is only available in 27.
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In addition, Liberty Mutual offers a pay-per-mile program, ByMile, which calculates your car insurance rate by tracking how much you drive each month. People who don't drive often or have a short commute can save an average of 25% with ByMile.

Geico does not offer a pay-per-mile program at this time.


Liberty Mutual vs. Geico car insurance coverages

Liberty Mutual has a wide range of coverage options available, many of which are not offered by Geico.

Some of the most notable are gap insurance, new car replacement, teacher insurance and Mexico insurance.

Coverage
Liberty Mutual
Geico
Gap insurance
Better car replacement
Lifetime replacement guarantee
Mexico car insurance
New car replacement
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Geico offers the standard coverage options you would expect to find from a car insurance policy, plus a few basic add-ons like roadside assistance and rental car reimbursement.

Some drivers can also take advantage of mechanical breakdown coverage, which covers mechanical repairs. However, the program is only available for cars that are 15 months old or newer and have fewer than 15,000 miles, which means most people aren't eligible.


Geico vs. Liberty Mutual customer service

Drivers prefer Geico's customer service experience over Liberty Mutual's.

Most notably, Geico receives fewer customer complaints than Liberty Mutual, according to the National Association of Insurance Commissioners (NAIC). While Geico has 21% fewer complaints than other companies of a similar size, Liberty Mutual receives 14% more than expected. That means more drivers are satisfied with the service they receive from Geico.

Industry reviewer
Liberty Mutual
Geico
Editor's rating
J.D. Power 876881
NAIC complaint index 1.140.79
AM Best financial strength rating AA++

J.D. Power awarded Geico with a higher score on its annual auto insurance claims satisfaction survey. However, it's important to note that Geico scored only one point above average on the study, while Liberty Mutual was only four points below average. That shows that J.D. Power doesn't view either company's customer service as being particularly outstanding.

Geico also earned the best possible financial stability score from AM Best — A++ or "Superior." Liberty Mutual earned an A or "Excellent," meaning that both insurers have the ability to pay out claims, even in difficult economic times.

Frequently asked questions

Is Liberty Mutual cheaper than Geico?

No, Liberty Mutual car insurance is not cheaper than Geico. A policy from Liberty Mutual costs 30% more than one from Geico, on average. In fact, Liberty Mutual is more expensive than many major insurers — a minimum-coverage policy costs 20% more than the national average.

How much is Liberty Mutual car insurance a month?

A minimum-coverage policy from Liberty Mutual costs $71 per month and full coverage costs $157 per month, on average.

Are Geico and Liberty Mutual the same company?

No, Liberty Mutual and Geico are not the same company. However, Liberty Mutual does underwrite some of Geico's homeowners insurance policies.

Does Geico's full coverage cover towing?

Towing is included in Geico's roadside assistance coverage, which can be added on to a full-coverage policy. A full-coverage policy usually refers to one that includes comprehensive and collision coverage, and roadside assistance is not usually included.

Does Geico offer a multipolicy discount?

Yes, Geico offers a bundling discount when you purchase a home, condo, renters or mobile home policy.

Does Liberty Mutual have motorcycle insurance?

Yes, Liberty Mutual offers motorcycle insurance. However, you can't get a quote online, so you'll have to speak with an agent to get a quote and purchase a policy.

Methodology

For this study, ValuePenguin gathered car insurance quotes from 10 of the largest cities in Massachusetts. Our sample driver is a 30-year-old man with a clean record driving a 2015 Honda Civic EX unless otherwise noted. For example, the section on young drivers used an 18-year-old man, but all other factors remained unchanged.

Coverage levels are listed below and are slightly higher than the state's minimum coverage requirements due to limits offered by the insurers:

Coverage
Minimum coverage
Full coverage
Bodily injury liability$20,000/$40,000$50,000/$100,000
Property damage liability$10,000$25,000
Uninsured/underinsured motorist bodily injury$20,000/$40,000$50,000/$100,000
Personal injury protection (PIP)$8,000$8,000
Comprehensive and collision deductibleWaived$500
Glass deductibleWaived$100

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.