Liberty Mutual Vs. Geico

Key Points:

• Liberty Mutual offers more coverage add-ons than Geico but Geico has a stronger reputation for reliability.
• Both companies offer a variety of discounts–Liberty Mutual is great for teens and Geico is a good choice for military members and federal employees.
• Car insurance quotes are personalized to your situation so it pays to compare multiple options.

Between Liberty Mutual vs. Geico, our top pick is Liberty Mutual. The company offers better pricing and higher customer satisfaction. That said, Geico is a great option for basic coverage.

In this review, we’ll compare Liberty Mutual vs. Geico side by side so you can make the best decision for auto insurance coverage. Each company made it into our list of the top 10 best car insurance companies in the industry.

When you’re ready to start comparing car insurance quotes from providers in your area, enter your zip code in our tool above.

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Liberty Mutual Vs. Geico Overview

We’re comparing Liberty Mutual vs. Geico auto insurance policies in a head-to-head competition to see which provider has better coverage, prices, and more. Both companies have solid reputations in the insurance industry. 

Is Liberty Mutual Better Than Geico?

Overall, our team rates Liberty Mutual slightly ahead of Geico. Liberty Mutual offers more coverage options and add-ons, though Geico has a stronger industry reputation. You can compare our ratings for different categories below.

Liberty Mutual Vs. Geico: Industry Ratings

Our team also looks at industry ratings from sources like the Better Business Bureau (BBB) and J.D. Power. AM Best also provides financial ratings for companies in the insurance industry. 

*Scores from the 2023 J.D. Power U.S. Auto Claims Satisfaction Study℠

Liberty Mutual and Geico also offer life, business, renters, and home insurance policies in addition to auto coverage. That means policyholders can take advantage of discounts for bundling different policies.

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Liberty Mutual Vs. Geico: Coverage Options

Liberty Mutual and Geico both offer a full suite of coverage options that includes state-required insurance and helpful add-ons. You can get basic liability coverage or full coverage from each provider.

When you’re looking for the best car insurance company, you want to review coverage to be sure the provider of your choice has the protection you need for ultimate peace of mind on the road.

States require different levels of coverage. In no-fault states like Massachusetts, New York, and Florida, drivers have to seek compensation from their own companies for medical bills no matter who caused the accident, so these states often require personal injury protection. Others require uninsured motorist coverage so victims of hit-and-runs are compensated. Below is a rundown of the basic types of insurance Liberty Mutual and Geico offer:

• Liability: This insurance, which includes bodily injury liability and property damage liability, compensates other drivers for injuries and property damage in an accident you cause.
• Collision: This insurance covers your own vehicle for repairs after an accident.
• Comprehensive auto insurance: This covers environmental damage, theft, vandalism, and damage from hitting stationary objects.
• Medical payments (MedPay): This option covers your own medical bills up to a limit regardless of fault.
• Personal injury protection (PIP): This option covers medical bills, lost wages, and death benefits.
• Uninsured/underinsured motorist (UM/UIM): This option covers you if someone without enough insurance causes an accident.

Full coverage insurance includes liability insurance with comprehensive and collision coverage. Whether you need other things like PIP depends on your state.

Liberty Mutual And Geico Add-Ons

Both companies also offer add-ons that aren’t required but that can give you extra security in different situations. Here’s how the companies compare:

When comparing Liberty Mutual vs. Geico car insurance head to head, Liberty Mutual is the clear winner for the number of policy options offered. 

Standout car insurance coverage options from Liberty Mutual include:

• Liberty Mutual Deductible Fund: With this add-on, you can lower and ultimately eliminate your collision or comprehensive deductible by $100 every year.
• Teachers car insurance policy: If you’re employed full-time as a teacher or professor, this type of insurance comes at no additional cost to you. It includes protection from vandalism on school property, theft or damage of personal property, and collision coverage for when you’re driving on school business.
• New car replacement: You can get help obtaining a new car if yours is totaled in an accident.

Geico’s standout coverage is mechanical breakdown insurance (MBI). This coverage is available to cars less than 15 months old with less than 15,000 miles. If you have MBI, certain mechanical repairs will be covered, similar to a car warranty.

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Liberty Mutual Vs. Geico: Cost And Discounts

In our research, we found that Geico has more affordable insurance premiums than Liberty Mutual on average. 

Liberty Mutual And Geico Discounts

To get a better idea of what your car insurance rates will look like at the end of the day, it’s a good idea to see which company has more discounts that apply to you.

Liberty Mutual offers discounts for students who leave their vehicles at home when going off to college and discounts for policyholders who pay bills on time. With its driver training and teen driver discount, Liberty Mutual is also one of the best car insurance options for teen drivers.

Geico has a great discount for emergency military deployment (up to 25 percent off) and discounts for a number of vehicle safety features like anti-lock brakes and seat belt use. One may offer better discounts for you than the other depending on your situation, so get quotes from both providers to compare auto insurance rates.

Usage-Based Savings: Liberty Mutual RightTrack^® Vs Geico DriveEasy

Both auto insurance companies offer telematics apps that reward safe drivers with discounts. Let’s see how the programs measure up:

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Liberty Mutual Vs Geico: Customer Experience

Looking at industry ratings from J.D. Power, Liberty Mutual ranks better for its shopping experience while Geico ranks ahead for its claims experience.

When you’re looking for car insurance, it’s a good idea to check into a company’s industry ratings and customer reviews to see what you can expect. Both Liberty Mutual and Geico tend to perform well in these areas.

In the 2023 J.D. Power U.S. Insurance Shopping Study℠, Liberty Mutual scored 865 points out of 1,000 while Geico scored 857. This survey polled over 10,000 participants on their experiences when shopping for car insurance products and comparing quotes. The industry national average score was 861, so Liberty Mutual was ahead of the pack.

The 2023 J.D. Power U.S. Auto Claims Satisfaction Study℠ polled over 9,000 people on their experiences filing claims, dealing with adjusters, and receiving compensation. Geico scored higher on this survey with 871 points compared to Liberty Mutual’s 866. Unfortunately, both companies scored below the industry average of 878.

Both companies have good scores on the BBB, too. Geico has an A+ rating and Liberty Mutual has an A- rating with accreditation. These ratings show that both companies respond to and resolve complaints in a timely manner.

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Liberty Mutual Vs. Geico: Our Take

In the end, both Liberty Mutual and Geico have their strengths and weaknesses for different customers, but we rate Liberty Mutual slightly better than Geico. That said, both companies offer great coverage options and good discounts. Compare multiple quotes to find the cheapest car insurance for you.

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Other Top Auto Insurance Companies

When you’re shopping for car insurance, it’s smart to get quotes from multiple companies to be sure you’re paying the best rates. In addition to Geico and Liberty Mutual, we recommend USAA and Progressive.

Why You Should Consider USAA

Our research found that USAA car insurance is the best choice for active or retired military members and their immediate family members. USAA members have access to standard coverage as well as roadside assistance, rental car reimbursement, and accident forgiveness.

USAA also has competitive discounts for members, including up to 15 percent off for parking your car on a military base. You can also get discounts for taking a defensive driving course, being a good student, getting a new car, or signing up your family.

Learn more in our USAA auto insurance review.

Why You Should Consider Progressive

In our Progressive auto insurance review, we named the company Best for Usage-Based Insurance. Progressive has maintained a competitive edge with exclusive technology like the Name Your Price^® shopping tool and the Snapshot^® safe driving app. 

Potential customers can use the Name Your Price tool to choose their ideal insurance costs and then get matched with Progressive policies that fit into that budget. Snapshot is Progressive’s safe driving program that monitors the habits that could qualify you for car insurance discounts. Progressive is also more affordable than other providers for high-risk drivers with driving records including speeding tickets, DUIs, at-fault accidents, and more. 

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Liberty Mutual Vs. Geico: FAQ

Below are a few frequently asked questions when comparing Liberty Mutual and Geico:

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How We Rate Insurers

Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

• Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
• Availability: Insurance companies that offer wider availability to consumers in terms of state availability and few eligibility requirements are more likely to meet consumer needs.
• Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
• Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
• Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer a smooth experience.
• Technology: Providers with an online quote tool, easy-to-use claims app and a usage-based insurance app score best in this category.

*Data accurate at time of publication.

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