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Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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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Two popular car insurance companies for U.S. drivers, USAA and Liberty Mutual both offer prices lower than the overall national average of $158.
The companies offer similar coverages, discounts, and benefits, but they have key differences. For starters, USAA exclusively sells auto insurance to military members, veterans, and military families. Liberty Mutual does offer a military discount, but the company sells coverage to all drivers.
It’s always a good idea to compare quotes from multiple insurers before buying an auto insurance policy. Here’s what you should know about coverage offerings from USAA and Liberty Mutual.
Quick Facts
The average cost of liability car insurance is $138 per month from Liberty Mutual and $46 per month from USAA.
Liberty Mutual offers more coverage options and discounts than USAA.
Both insurers have an optional telematics program that tracks driving habits and behaviors to calculate potential savings for safe driving.
Liberty Mutual vs. USAA: The verdict
If you’re deciding between Liberty Mutual and USAA car insurance coverage, you should determine your priorities related to coverage and discount offerings, costs, customer service, and customer reviews.
USAA auto insurance has higher customer satisfaction and much lower rates on average, but it’s available only to current, reserve, and retired military members and their family members. Liberty Mutual provides customers with more add-on coverage options and discounts.
Both are good insurance companies that offer extensive insurance products in addition to automobile insurance, including homeowners insurance, life insurance, and personal property coverage. You should consider your specific needs and driver profile.
Learn more about how Liberty Mutual and USAA compare below.
Factor
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Liberty Mutual
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USAA
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IQ Score
7.7
9.4
J.D. Power customer satisfaction score
799 out of 1,000
876 out of 1,000
Average quote: liability only
$138
$46
Number of discounts
13
10
Number of states where it operates
50
50
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.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Liberty Mutual
Liberty Mutual holds about 4.95% of the car insurance market share, making it the sixth-largest personal auto insurer in the country.[1] The company has an AM Best financial strength rating of A (Excellent) but earned a below-average customer satisfaction ranking in the J.D. Power 2023 U.S. Auto Insurance Study.[2]
User Reviews
3.7
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
3.7
A solid optionBased on 2641 verified guest reviews and ratings