Allstate vs. Liberty Mutual: Which Is Best? (2024)

Allstate offers lower rates, ranks higher in customer satisfaction, and has a below-average number of customer complaints, earning an Insurify Quality (IQ) Score of 8.9 out of 10.

Kim Porter
Written byKim Porter
Kim Porter
Kim Porter
  • Co-authored the book “Future Millionaires’ Guidebook”

  • 13 years writing personal finance content

A former chief copy editor at Bankrate and past managing editor at Macmillan, Kim specializes in writing easy-to-understand, actionable personal finance content.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated October 29, 2024

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Allstate and Liberty Mutual are two of the largest and most well-known car insurance companies in the country. Both companies offer car insurance and several add-on coverages in all 50 states and Washington, D.C.

It’s always a good idea to compare your options before buying a car insurance policy. Allstate and Liberty Mutual have slightly different insurance products, customer service reputations, and discount offerings. Because insurance companies calculate rates differently based on details like your driving record and ZIP code, your auto insurance quotes can vary by company.

Here’s a look at how Allstate and Liberty Mutual compare, including the key differences between the companies, to help you determine which auto insurance company works better for you.

Quick Facts
  • Liberty Mutual and Allstate each offer more than a dozen available discounts.

  • Allstate provides standard and pay-per-mile car insurance.

  • Both auto insurance companies offer usage-based insurance (UBI) programs, which can help safe drivers save money.

Allstate vs. Liberty Mutual: The verdict

Both companies offer liability-only and full-coverage car insurance that’s cheaper than the national average. Compared to Liberty Mutual, Allstate provides cheaper average coverage for different driver profiles.

Allstate earned an above-average score in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study.[1] It also earned higher average customer satisfaction scores than Liberty Mutual in the J.D. Power 2023 U.S. Auto Insurance Study.[2]

Though Liberty Mutual auto insurance generally receives more customer complaints, the company provides more customizable coverage options that can help you lower your premium.

Here’s a closer look at how the companies compare.

Factor
Allstate
Liberty Mutual
IQ Score8.97.7
J.D. Power customer satisfaction score814 out of 1,000799 out of 1,000
Average quote: liability only$62$138
Number of available discounts1413
Number of states where it operates5050
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Allstate

With 10.69% of the car insurance market share, Allstate is the fourth-largest auto insurance company in the U.S. and has earned a reputation for excellent customer service and a smooth claim process.[3]

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User Reviews
3.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.9/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$62/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$137/mo

Founded by Sears department store executives in 1931, Allstate offers auto, home, motorcycle, ATV, renters, condo, and term life insurance. Operating in all 50 states, the company has superior ratings from A.M. Best for financial strength and credit. However, Allstate has many negative reviews on consumer websites, and a slightly higher-than-average complaint rating in the National Association of Insurance Commissioners Consumer Complaint Index. Allstate offers many discounts, including for good students, multiple policies, bundling auto and home insurance, new vehicles, safe driving, and good payment history.

Pros
  • Well-established with superior ratings from A.M. Best

  • Pay-per-mile option available

Cons
  • Low customer satisfaction

  • Rates are merely average compared to other insurers

Read more driver reviews of Allstate
Howard - October 29, 2024
Verified

They Have You By The Short Hairs

I was on a three-lane highway in heavy traffic and couldn't avoid a piece of metal in my lane. I couldn't swerve or I would have hit other cars. Allstate said the accident was the driver's fault and then doubled my insurance cost.

Hugh - October 29, 2024
Verified

Actual Crash Damages vs. Damages Quoted Over the Phone

There were problems getting the correct amount paid out when I made a claim. I had to escalate the issue to the Senior Vice President to get a proper settlement when a deer hit my truck. There was a $5000 difference between what was paid out when the estimator assessed the value of damage to my truck and the actual estimate done by a local car dealership. The Senior Vice President agreed that the amount of damage done was the amount quoted by the local car dealership.

Miriam - October 29, 2024
Verified

Best Overall

Check around before choosing. Allstate has been my choice for years.

Liberty Mutual

Liberty Mutual, the fifth-largest U.S. private passenger auto insurer, has 4.95% of the car insurance market share but tends to receive below-average scores in customer service. The company has an A (Excellent) financial strength rating from AM Best.

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User Reviews
2.8
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.7/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$138/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$254/mo

In business for more than 100 years, Liberty Mutual offers auto, homeowners, condo, renters, flood, life and other insurance products. Policyholders have access to numerous discounts, including bundling, good student, military, student-away-at-school, claims-free, violation-free, and multi-car discounts. Liberty Mutual has an A rating for financial strength from A.M. Best and an A+ rating from the Better Business Bureau. However, the company has three times the expected rate of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and low ratings on consumer review sites Trustpilot and Sitejabber.

Pros
  • Wide range of available discounts

  • Accident forgiveness available

Cons
  • Many negative reviews and customer complaints

  • Premiums are relatively high compared to industry average

Read more driver reviews of Liberty Mutual
Frank - October 29, 2024
Verified

Been with them for 27 years, but I'm unsure

They are expensive. We are low mileage drivers with three cars, and only my wife and I are driving.

Gary - October 29, 2024
Verified

Price Gouging!

They recently increased my premium from $182 to $231 per month for no apparent reason, other than a general raise for everyone.

Donald - October 29, 2024
Verified

Don't use them, they will increase your rate within the six-month period of your term! And that's with no claims!

Don't use them, they will increase your rate within the six-month period of your term! And that's with no claims!

Allstate Drivewise vs. Liberty Mutual RightTrack

Liberty Mutual and Allstate both offer usage-based insurance programs, which can help customers earn discounts based on their driving habits.

With Allstate’s Drivewise program, you can earn discounts of up to 40% off a car insurance policy for enrolling and participating in the program. It’s available in all states except New York. You’ll get a policy credit every six months when you exhibit safe driving habits, but people who show riskier driving behaviors may see a price increase.

Liberty Mutual’s RightTrack provides an instant 10% discount when you enroll. Once you use RightTrack for 90 days, Liberty Mutual calculates your savings based on your driving habits. Safe drivers can get a discount of up to 30% on their auto policies, while higher-risk drivers could see a price increase.

The program is available in all states except Alaska, California, Hawaii, Montana, North Carolina, North Dakota, South Dakota, Washington, and Wyoming. Drivers in New York can participate in a similar program where you use a plug-in device to monitor your driving instead of a mobile app.

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Allstate vs. Liberty Mutual: Which is the cheapest?

Compared to Liberty Mutual, Allstate offers cheaper car insurance coverage for all driver profiles. Your specific premium will depend on your state, ZIP code, driving record, credit history, age, and more.

Allstate: Cheapest for drivers with a clean driving record

Drivers with a clean record pay the lowest average rates for car insurance.

Driver Type
Allstate
Liberty Mutual
Clean driving record$62$138
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Allstate: Cheapest for drivers with a speeding ticket

If you have a past speeding ticket on your record, you’ll likely face increased insurance rates.

Driver Type
Allstate
Liberty Mutual
Drivers with a speeding ticket$73$193
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Allstate: Cheapest for teen drivers

Because teen drivers pose higher amounts of risk due to a lack of driving experience, young drivers typically face the most expensive insurance rates by age.

Driver Type
Allstate
Liberty Mutual
18-year-old$111$248
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Allstate: Cheapest for drivers with bad credit

Drivers with a bad credit score typically pay more for car insurance than people with a good credit score.

Driver Type
Allstate
Liberty Mutual
Drivers with bad credit$74$166
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Allstate: Cheapest for senior drivers

Senior drivers younger than 70 typically earn some of the lowest rates by driver age.

Driver Type
Allstate
Liberty Mutual
Senior drivers$48$116
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Compare coverages: Allstate vs. Liberty Mutual

Allstate and Liberty Mutual both offer basic coverage types, including bodily injury liability, property damage liability, personal injury protection, uninsured motorist coverage, collision insurance, and comprehensive insurance. Liberty Mutual doesn’t offer underinsured coverage, but Allstate does.

Both companies also provide several add-ons that are less common. One key difference is that Allstate offers car insurance for rideshare drivers, while Liberty Mutual doesn’t sell this type of insurance directly to policyholders.

Here’s a look at what each company provides.

Coverage
Allstate
Liberty Mutual
Gap insuranceYesYes
Roadside assistanceYesYes
Rental reimbursementYesYes
Rideshare insuranceYesNo
Medical paymentsYesYes
Accident forgivenessYesYes
Original parts replacementNoYes

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Compare discounts: Allstate vs. Liberty Mutual

Discounts can help lower your car insurance premium if you qualify for them. Generally, Liberty Mutual has better auto insurance discounts compared to Allstate. For instance, Liberty Mutual may discount premiums for military members and others who take a defensive driving course and add multiple cars to a policy.

Discount
Allstate
Liberty Mutual
Clean driving recordYesYes
Defensive driving courseNoYes (in some states)
Multi-policyYesYes
Multi-carNoYes
Low mileageYesNo
Telematics (safe driving app)YesYes
Anti-theft deviceYesNo
New carYesNo
Military/affiliationNoYes
Good studentYesYes
LoyaltyNoNo
Auto payYesYes
Student away at schoolYesYes
HomeownerNoYes
Alternative fuelNoYes

Allstate vs. Liberty Mutual FAQs

The following information provides more insight if you still have questions about coverage options from Allstate and Liberty Mutual.

  • Which insurance is better: Allstate or Liberty Mutual?

    Allstate typically offers lower car insurance rates than Liberty Mutual and has a better track record of customer satisfaction. The best car insurance company for you will depend on your driver profile and insurance needs.

  • Are Liberty Mutual and Allstate the same company?

    No. Allstate and Liberty Mutual are different car insurance companies. Both insurers sell property and casualty insurance and provide similar coverage options to consumers.

  • Which insurer is Allstate’s biggest competitor?

    Allstate is the fourth-largest property and casualty insurer in the U.S. and has 10.69% of the market share. State Farm, Progressive, and GEICO all have larger market shares and offer similar coverages, making them Allstate’s major competitors.

  • Is Allstate good at paying claims?

    Yes. Allstate has a strong track record of paying claims, according to the J.D. Power 2023 U.S. Auto Claims Satisfaction Study. The insurance company earned a score of 882 out of 1,000 for its claims process, compared to the industry average of 878.

Sources

  1. J.D. Power. "Auto Insurers Manage Customer Expectations as Repair Cycle Times Double in Two Years, J.D. Power Finds."
  2. J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds."
  3. National Association of Insurance Commissioners. "Property and Casualty Insurance Industry 2022 Top 25 Groups and Companies by Countrywide Premium."
Kim Porter
Kim Porter

Kim Porter is a writer and editor who's been creating personal finance content since 2010. Before transitioning to full-time freelance writing in 2018, Kim was the chief copy editor at Bankrate, a managing editor at Macmillan, and co-author of the personal finance book "Future Millionaires' Guidebook." Her work has appeared in AARP's print magazine and on sites such as U.S. News & World Report, Fortune, NextAdvisor, Credit Karma, and more. Kim loves to bake and exercise in her free time, and she plans to run a half marathon on each continent.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

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Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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