Liberty Mutual vs Geico: Car Insurance Rates and Coverage

Liberty Mutual vs. Geico car insurance rates

Car insurance quotes from Geico are as much as 44% cheaper than Liberty Mutual, including both full-coverage and liability only.

However, Liberty Mutual offers an exceptional number of discounts that are easy to earn and available to all drivers. For example, you could get a discount of up to 10% just for buying your policy online.

Cheapest for most drivers: Geico

Geico has cheaper car insurance prices than Liberty Mutual across multiple coverage levels. A full-coverage policy from Geico costs $108 per month, on average. That’s $49 cheaper than the same coverage from Liberty Mutual.

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Liability-only car insurance is also cheaper with Geico. A policy costs $667 per year, or $56 per month, which is $185 per year cheaper than Liberty Mutual.

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.

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

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.

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.

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

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.

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.

In addition, Liberty Mutual offers a pay-per-mile program, ByMile, which determines 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

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

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

Geico gets 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 gets 14% more than expected. That means more drivers are satisfied with the service they get from Geico.

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

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: