GEICO vs. Liberty Mutual: Which is the cheapest?
Comparing the cost of GEICO and Liberty Mutual reveals that GEICO generally offers lower prices. Basic liability insurance costs about $55 per month, while Liberty Mutual is at $138.
You’ll notice a bigger price difference when looking at full-coverage car insurance: GEICO comes in at $121, and Liberty Mutual is significantly higher, with an average monthly premium of $254.
But remember the cheapest option can vary, even among the largest auto insurance companies. It depends on the type of coverage and deductible you choose, as well as your age, gender, location, and other factors.
Below are liability rates from GEICO and Liberty Mutual for common driver profiles.
GEICO: Cheapest for drivers with a clean driving record
GEICO is the more affordable choice for drivers with a clean driving record.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by
Konstantin HalachevKonstantin HalachevVP of Engineering & Data Science
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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| GEICO | $55 |
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| Liberty Mutual | $138 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
GEICO: Cheapest for drivers with a speeding ticket
GEICO offers better rates for drivers with a speeding ticket.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by
Konstantin HalachevKonstantin HalachevVP of Engineering & Data Science
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.
| Drivers with a Speeding Ticket ▲▼ |
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| GEICO | $65 |
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| Liberty Mutual | $193 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
GEICO: Cheapest for teen drivers
GEICO offers much more affordable rates than Liberty Mutual for teen drivers.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by
Konstantin HalachevKonstantin HalachevVP of Engineering & Data Science
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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| GEICO | $78 |
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| Liberty Mutual | $248 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
GEICO: Cheapest for drivers with bad credit
Drivers with poor credit find GEICO a more budget-friendly option than Liberty Mutual.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by
Konstantin HalachevKonstantin HalachevVP of Engineering & Data Science
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.
| Drivers with Bad Credit ▲▼ |
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| GEICO | $62 |
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| Liberty Mutual | $166 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
GEICO: Cheapest for senior drivers
GEICO is the more economical choice for senior drivers.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Data reviewed by
Konstantin HalachevKonstantin HalachevVP of Engineering & Data Science
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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| GEICO | $42 |
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| Liberty Mutual | $116 |
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Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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