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Allstate vs Liberty Mutual

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If you’re getting car insurance quotes, you may be considering either Allstate or Liberty Mutual for your coverage. Both are well-known companies, but there are important differences between the two that you should be aware of when making your choice. Bankrate has compared the two carriers based on factors like average rates, customer satisfaction scores, financial strength ratings, coverage options, available discounts and mobile experience.

Allstate could be a good option for drivers looking for a personalized coverage experience, as the carrier offers numerous home and auto insurance endorsements that can be used to customize policies. Liberty Mutual edges out Allstate with its J.D. Power customer satisfaction scores, however. Both insurance providers have pros and cons, and Bankrate’s research may help you choose the best auto insurance company for you.

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Allstate vs Liberty Mutual: Car insurance rates comparison

When comparing Liberty Mutual Insurance with Allstate Insurance, you may want to look at more than just price. While average rates are important, so is each company’s financial strength rating (from companies like AM Best and Standard and Poor’s) and customer satisfaction scores (from third-party rating agencies like J.D. Power). These metrics can help you form a more complete understanding of what your experience and interaction with a company could be like.

Bankrate has combined these metrics — along with average rates pulled from Quadrant Information Services, digital tools and complaint index scores from the National Association of Insurance Commissions (NAIC) — into our proprietary Bankrate Score. These Scores are on a scale from 0.0 to 5.0. The higher a company’s overall Bankrate Score, the more highly it ranked in our scoring categories. Allstate has a slightly higher Score, with a 4.0 compared to Liberty Mutual’s 3.9. Unfortunately, average rates are not available for Liberty Mutual.

Car insurance company Bankrate Score AM Best J.D. Power Average annual premium for minimum coverage Average annual premium for full coverage
Allstate 4.0 A+ 870/1,000 $558 $2,438
Liberty Mutual 3.9 A 876/1,000 N/A N/A

Rates by credit score

In most states — with the exception of California, Hawaii and Massachusetts — your credit tier will affect your car insurance rates. In Michigan, insurers are not allowed to use your actual credit score to calculate premiums, but can use factors related to your credit score, such as missed or late payments. Generally, drivers with higher credit scores will pay lower rates than drivers with poor credit scores. Because rates for Liberty Mutual are not available, we compared Allstate’s average rates to the national average. Allstate’s average full coverage rates are higher than the national average across all credit tiers.

Average annual full coverage premiums

Car insurance company Poor Average Good Excellent
National average $3,002 $1,907 $1,771 $1,556
Allstate $3,239 $2,532 $2,438 $2,262

Rates by life stage

As your life changes, so should your car insurance. Bankrate evaluated rates for single households, married households and married households with a 16-year-old driver. While married drivers usually see a decrease in rates compared to single drivers, households with young adult drivers pay some of the highest rates, since younger drivers have less experience and may be more likely to file claims.

Average annual full coverage car insurance rates by life stage

Car insurance company Single Married Married with 16-year-old driver
National average $1,771 $1,668 $3,852
Allstate $2,438 $2,218 $3,923

Rates by driving record

Drivers with clean driving records usually pay lower rates, and our research into Allstate’s rates confirm that. Speeding tickets, at-fault accidents and DUI convictions are likely to increase your premium regardless of the company you are with. However, Allstate’s rates are once again significantly higher than the national average across all the driving incidents we investigated.

Average annual full coverage car insurance rates by driving record

Car insurance company Clean driving record Speeding ticket Accident DUI conviction
National average $1,771 $2,138 $2,521 $3,421
Allstate $2,438 $2,893 $3,149 $3,556

Allstate vs Liberty Mutual: discounts

Both Allstate and Liberty Mutual offer several car insurance discounts that could help customers control their premiums. Some unique and especially impactful discounts are listed below for each company, but keep in mind that eligibility will vary by state and these discounts may not be available in all areas.

Allstate

  • Drivewise: Drivewise is Allstate’s car insurance telematics program, which means that it tracks your driving patterns and assigns you a unique discount based on the data. You could save up to 40% if you are a safe driver.
  • New car: If your car is the current year’s model or one year old, and you are the first owner, Allstate may discount your premium.
  • Smart Student: If you or a driver on your policy is unmarried, under 25 and a full-time student, you may qualify for this discount — depending on your GPA — which could lower your premium.

Liberty Mutual

  • RightTrack Program: Liberty Mutual’s telematics program could save you up to 30% on your car insurance premium based on your personal driving habits.
  • Online purchase: You may get a discount just for purchasing your policy from the company’s website rather than through an agent.
  • Accident/violation free: Drivers who have clean driving records — meaning no tickets, accidents or DUI convictions — could save money with Liberty Mutual.

Allstate vs Liberty Mutual: Online and mobile experience comparison

Apps for iOS or Android systems allow you to manage your account on the go. Both Allstate and Liberty Mutual have well-rated apps, although Liberty Mutual’s app ranks a bit higher based on consumer feedback. Both apps seem to function well on iOS, whereas the Liberty Mutual app receives more positive scores from Android users.

Allstate

  • App Store (4.8 stars): Allstate’s iOS app features safe driving tools, ID card access, 24/7 roadside assistance and a digital locker. QuickFoto Claim walks you through taking and uploading photos after an accident, and you can pay your bill and access your agent whenever necessary.
  • Google Play (3.7 stars): Allstate’s Android app does everything the iOS version does, but users report struggling with it, leading to less-than-stellar ratings. There are reported issues with the app freezing or closing unexpectedly and users report other glitches as well.

Liberty Mutual

  • App Store (4.8 stars): Users can access ID cards and policy documents, pay bills, make changes to coverage and call for emergency roadside assistance through Liberty Mutual’s iOS app. You can also file and manage claims and work with your claims adjuster through the app, as well as arrange for repair estimates.
  • Google Play (4.7 stars): Like the iOS version, Liberty Mutual’s Android app allows you to access and change policy, pay your bill and electronically sign documents. You can manage claims and search for auto repair shops, as well as request a rental vehicle.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C.  Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit the use of credit-based insurance scores as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts, and Michigan. Washington’s ban on factoring credit in premiums is currently on hold in the courts.

Age: Rates were calculated by evaluating our base profile with various ages applied. 16-year-old rates were factored as the added cost to their parents’ policy.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Bankrate Score

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moody’s had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Written by
Cate Deventer
Insurance Writer & Editor
Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent.
Edited by
Insurance Editor