When you ’ re ready to start comparing car insurance quotes from providers available in your area, enter your zip up code in our tool above. In this review :
Liberty Mutual And Geico Highlights
We ’ rhenium comparing Liberty Mutual vs. Geico in a neck and neck competition to see which provider has better coverage, prices, and more. Both companies have solid reputations in the insurance industry. here ’ s a glance at our findings before we dive into the details.
| Liberty Mutual | Geico | |
|---|---|---|
| Overall Rating | 4.0 | 4.5 |
| Superlative | Best for Teens | Best overall |
| Availability | 50 states | 50 states |
| Coverage | 4.5 | 4.0 |
| Cost | 3.5 | 4.0 |
| Customer Service | 3.5 | 4.0 |
| AM Best Financial Strength Rating | A | A++ |
| J.D. Power Claims Satisfaction | 867/1,000 | 871/1,000 |
| Mobile App Google Play Rating | 4.6 | 4.8 |
Liberty Mutual and Geico besides offer life, business, and family indemnity policies in summation to car coverage. That means policyholders can take advantage of discounts for bundling different policies.
Liberty Mutual Vs Geico: Coverage Options
When you ’ ra looking for the best car indemnity company, you want to review coverage to be sure the supplier of your option has the auspices you need for ultimate peace of heed on the road. here ‘s how Liberty Mutual and Geico stack up in terms of policy offerings :
| Liberty Mutual | Geico | |
|---|---|---|
| Bodily Injury Liability (BI) | ✓ | ✓ |
| Property Damage Liability (PD) | ✓ | ✓ |
| Collision | ✓ | ✓ |
| Comprehensive Car Insurance | ✓ | ✓ |
| Personal Injury Protection (PIP) | ✓ | ✓ |
| Medical Payments (MedPay) | ✓ | ✓ |
| Uninsured/Underinsured Motorist (UM/UIM) | ✓ | ✓ |
| Roadside Assistance | ✓ | ✓ |
| Rental Car Reimbursement | ✓ | ✓ |
| Accident Forgiveness | ✓ | ✓ |
| Mechanical Breakdown Insurance (MBI) | ✓ | |
| Rideshare Insurance | ✓ | |
| Guaranteed Asset Protection (GAP) Insurance | ✓ | |
| Liberty Mutual Deductible Fund® | ✓ | |
| Teachers Car Insurance | ✓ | |
| Mexico Tourist Car Insurance | ✓ | |
| New Car Replacement | ✓ | |
| Better Car Replacement | ✓ | |
| Lifetime Repair Guarantee | ✓ | |
| Original Parts Replacement | ✓ |
When comparing Liberty Mutual vs. Geico head to fountainhead, Liberty Mutual is the clear winner for the number of policy options offered. immediately let ’ s talk about which types of car indemnity apply to you.
Standout Coverage From Liberty Mutua
- 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: 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.
Standout Coverage From Geico
- Mechanical breakdown insurance: This type of insurance is available to cars less than 15 months old with less than 15,000 miles. If you have MBI, your mechanical repairs will be covered, similar to a car warranty.
- Rideshare insurance: This is beneficial for customers who drive for ridesharing services like Uber and Lyft. It protects you from having to pay for medical bills for your passengers after an accident, and you’ll get rental car reimbursement as well.
Liberty Mutual Vs Geico: Cost And Discounts
In our research, we found that Geico is more low-cost than Liberty Mutual on modal. To get a better idea of what your car insurance rates will look like at the end of the sidereal day, it ’ s a good idea to see which company has more discounts that apply to you.
| Liberty Mutual | Geico | |
|---|---|---|
| Multiple Vehicle | ✓ | ✓ |
| Multiple Policy | ✓ | ✓ |
| Good Student | ✓ | ✓ |
| Safe Driver | ✓ | ✓ |
| Vehicle Safety | ✓ | ✓ |
| Anti-Theft | ✓ | ✓ |
| Military | ✓ | ✓ |
| Emergency Deployment | ✓ | |
| Anti-Lock Brakes | ✓ | |
| Daytime Running Lights | ✓ | |
| New Car | ✓ | |
| Seat Belt Use | ✓ | |
| Defensive Driving | ✓ | |
| Federal Employee | ✓ | |
| Driver Training | ✓ | ✓ |
| Accident-Free | ✓ | |
| Student Away At School | ✓ | |
| Homeowner | ✓ | |
| Early Shopper | ✓ | |
| Alternative Energy | ✓ | |
| Violation-Free | ✓ | |
| Automatic Payment | ✓ | |
| Pay in Full | ✓ | |
| Online Purchase | ✓ | |
| Paperless Policy | ✓ |
Which choice of discounts is better for your situation ? When you compare familiarity Mutual vs. Geico at a glance, 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. Geico has a great discount rate for emergency military deployment ( up to 25 percentage off ) and discounts for a number of vehicle condom features like anti-lock brakes and seat belt habit.
Usage-Based Savings: Liberty Mutual RightTrack® Vs Geico DriveEasy
Both car indemnity companies offer apps that track safe drive. Let ’ s see how the programs measure up :
| Liberty Mutual RightTrack | Geico DriveEasy |
|---|---|
| Through the Liberty Mutual fluid app or circuit board device | Through the Geico mobile app |
| Guaranteed savings between 5 and 30 percentage | up to 20 percentage off your car insurance for signing up for the app |
| 4.1 stars on Google Play | 2.2 stars on Google Play |
How To Get A Quote With Liberty Mutual Or Geico
To get a car policy quote from Liberty Mutual or Geico, you can call an agent or go on-line. According to J.D. Power ’ south 2021 Insurance Shopping StudySM, Geico earned 869 out of 1,000 points and Liberty Mutual earned 872. For an easier quote process, use our free comparison cock below.
Liberty Mutual Vs Geico: Ratings And Reviews
When you ’ ra looking for car policy, it ’ s a good idea to check into a ship’s company ’ randomness diligence ratings and customer reviews to see what you can expect. Both Liberty Mutual and Geico tend to perform well in these areas, but Geico comes out ahead.
| Liberty Mutual | Geico | |
|---|---|---|
| Better Business Bureau (BBB) Rating | A+ | A+ |
| AM Best Financial Strength Rating | A | A++ |
The BBB gives ratings based on occupation practices and transparency, while AM Best scores car indemnity providers based on how adequate to they are of paying out claims. We besides looked at customer gratification by U.S. region according to J.D. Power ’ south 2020 Auto Insurance StudySM. In every region but one, Geico received higher scores than Liberty Mutual based on a 1,000-point scale. The one region where it didn ’ thymine score higher was a tie between the companies.
| Region | Liberty Mutual | Geico |
|---|---|---|
| California | 786 | 828 |
| central | 842 | 855 |
| Florida | 837 | 846 |
| middle atlantic | 816 | 841 |
| New England | 813 | 841 |
| New York | 832 | 837 |
| north Central | 816 | 851 |
| northwest | 817 | 834 |
| southeast | 822 | 857 |
| southwest | 816 | 834 |
| Texas | 837 | 846 |
Liberty Mutual Vs Geico Customer Reviews
industry experts can tell us a distribute about an car policy party, but so can customer reviews. Satisfied Liberty Mutual customers are pleased with the ship’s company ’ south honest practices and helpful claims processing agents. Dissatisfied customers are upset with claims processing and poor customer service at predict centers.
“ [ Liberty Mutual is ] a very firm company. The people are identical kind and considerate, and they treat you like a human being and not a policy. ” -Debra S. via BBB
“ I was involved in a car accident that was deemed 100 percentage the other driver ‘s demerit ( they reversed into me in a park bunch ). Their insurance company, Liberty Mutual, denied a atrophied rate title for my fomite, which had a perfective driving record before the incident, citing that the state of Massachusetts does n’t recognize built-in diminished value. This is nonsense for a third-party claim where the early driver is at fault… ” -Dorian S. via BBB
cocksure Geico reviews focus on long-run customer satisfaction and friendly customer service. negative customer reviews mention behind claims processing speeds and rude customer service representatives.
“ I ’ ve been a customer of Geico for close to 20 years. My kids have had a few accidents, and they have been extremely professional. I have zero complaints about the claims they handled. Their military service has been outstanding. ” -Kenneth A. via BBB
“ Very hapless company to deal with. Their client was 100 percentage at defect in [ an ] car accident, but they are only uncoerced to pay 70 percentage of damages to my vehicle… He was issued the slate for [ an ] improper lane change causing an accident, but they do n’t want to accept full indebtedness for [ the ] accident… ” -Matthew W. via BBB
Our Take On Liberty Mutual Vs Geico
In the end, both Liberty Mutual and Geico have their strengths and weaknesses for different customers, but Geico is generally a better choice than Liberty Mutual. That being said, Liberty Mutual is a great choice for teens.
| Insurance Factor | Liberty Mutual Vs. Geico |
|---|---|
| Coverage | Liberty Mutual |
| Cost And Discounts | Geico |
| Quotes And Claims Processes | Geico |
| Ratings And Customer Reviews | Geico |
| Overall | Geico |
What you pay depends on a variety of factors. Use our cock below to start comparing individualized car insurance quotes.
Other Top Auto Insurance Companies
When you ’ re shop for car policy, it ’ second smart to get quotes from multiple companies to be certain 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 policy is the best option for active or retire military members and their immediate family members. USAA members have access to standard coverage angstrom well as wayside aid, rental car reimbursement, and accident forgiveness. USAA besides has competitive discounts for members, including up to 20 percentage off for parking your car on a military basal. You can besides get discounts for taking a defensive drive course, being a good scholar, getting a raw cable car, or signing up your family. Learn more in our USAA car indemnity review.
Why You Should Consider Progressive
In our progressive car indemnity review, we named the company best for bad drivers, including drivers with a DUI on their read. Progressive has maintained a competitive edge with single engineering like the Name Your Price® shopping instrument and the Snapshot® dependable drive app. potential customers can use the Name Your Price cock to choose the monetary value they want to pay and then get matched with Progressive policies that fit into that budget. Snapshot is progressive ’ mho safe driving program that monitors the habits that could qualify you for car indemnity discounts.
Frequently Asked Questions
Is Liberty Mutual better than Geico ? Liberty Mutual policy is better for adolescent drivers than Geico, but Geico is by and large better than Liberty Mutual for most early drivers. Geico is besides a better choice for people with less-than-perfect driving history. Is Liberty Mutual car indemnity cheaper than Geico ? Liberty Mutual can be cheaper for good drivers and teens, but Geico car insurance is by and large cheaper in other situations, including having poor credit scores. Auto insurers customize pricing to your situation. Are Geico and Liberty Mutual the same company ? Geico and Liberty Mutual are two break companies. Geico uses Liberty Mutual to provide home indemnity policies in some situations, but the two companies are not affiliated with one another. Is Liberty Mutual indemnity any good ? Yes, Liberty Mutual indemnity is a estimable choice for many people, and it can be a brassy one arsenic well. We rate it best for teens and good drivers since it offers helpful ways to save like a well student discount and accident-free discount.
Methodology
In an effort to provide accurate and unbiased information to consumers, our technical review team collects data from dozens of car policy providers to formulate rankings of the best insurers. Companies receive a score in each of the adopt categories, adenine well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.
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