Compare Liberty Mutual vs. Farmers Insurance

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Liberty Mutual and Farmers are both big names in the insurance industry. Liberty Mutual was founded in 1912, and Farmers was founded in 1928. Both companies have been around for quite awhile, and have extensive auto insurance plans. In addition, they both have A+ ratings from the Better Business Bureau.

Farmers specializes in offering more auto discounts, while Liberty Mutual specializes in having great online tools and higher customer ratings. Both of their roadside assistance plans offer extensive coverage, and their financial strength scores are comparably strong.

So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  Liberty Mutual Farmers
Best If Liberty Mutual
  • You want better car replacement after an accident and strong online tools
Farmers
  • You want a lot of coverage and vehicle discounts, or if you are accident-prone
Worst If Liberty Mutual
  • You want breakdown coverage or 24-hour customer support
Farmers
  • You want slick online tools to manage your policy

Special Car Insurance Discounts

Liberty Mutual Farmers
Liberty Mutual

Bundle & Save
When you combine policies with Liberty Mutual, you can receive special discounts for bundling and thus save more money.

Multi-Car Discount
The discount does just as it says. For customers who have multiple cars on one policy, Liberty Mutual aims to provide the best value so that managing your auto insurance is as stress-free as possible.

Exclusive Group Savings
Liberty Mutual has partnerships with more than 14,000 organizations. Being a member of any one of them could make you eligible for a discount with the insurance company.

Farmers

Farmers Inner Circle is an exclusive information hub for Farmers customers. It provides tips and resources for saving money on insurance and how to keep your premiums from increasing. 

Standard Car Insurance Discounts

Bundling Coverage Discounts Liberty Mutual Farmers
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Liberty Mutual Farmers
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History Liberty Mutual Farmers
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Liberty Mutual Farmers
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Liberty Mutual Farmers
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Liberty Mutual Farmers
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Liberty Mutual Car Insurance Farmers Car Insurance
2016 160 167
2015 267 262
2014 235 237
2013 187 300

U.S. Auto Insurance Shopping Study (2016)

Liberty Mutual Car Insurance Farmers Car Insurance
Overall Purchase Experience Among the best Average
Policy Offerings Among the best Average
Pricing Above average Average
Local Agent Among the best Average
Call Center Representative Above average --
Insurer Website Average Below average

U.S. Auto Insurance Claims Satisfaction Study (2015)

Liberty Mutual Car Insurance Farmers Car Insurance
Overall Satisfaction Average Average
First Notice of Loss Average Average
Service Interaction Average Above average
Appraisal Average Average
Repair Process Average Average
Rental Car Experience Average Average
Settlement Average Average

Financial Strength Ratings

Liberty Mutual Car Insurance Farmers Car Insurance
A.M. Best A A
Moody's A2 Aa3
S&P's A A+

Mobile Apps

Liberty Mutual Farmers
Liberty Mutual

Liberty Mutual has a quite a few mobile apps to choose from for managing your car insurance.

The Liberty Mutual Mobile App includes all the features and services of the company’s website in the palm of your hand. You can use it to pay bills, view policy details, change your coverage, and more. You can also use it to record details of your incident and get your claim process started.

The Liberty Mutual CarZen App is mainly geared for Apple devices, and is a powerful tool for car shopping. Use it to research any type of car, see its details with high-resolution photos and read thorough reviews. CarZen makes car shopping simple and hassle-free.

The Home Gallery App allows you to log all your personal items into one mobile database. You’ll have a complete home inventory you can access on hand should you ever experience theft or damage to your home.

For more information and to download any of these apps, click here.

Farmers

The Farmers Insurance Mobile App helps customers manage their insurance on the go. With its quick access, you can instantly view ID cards, connect with your agent, and pay your monthly premiums in one place and with one touch. The app also lets you view the details of your coverage policy, get updates from a message center, and have instant access with a “Keep Me Logged In” feature. Download the app here.

Roadside Assistance

Liberty Mutual Farmers
Liberty Mutual

Liberty Mutual 24-Hour Roadside Assistance

Towing & Labor coverage on the policy. Collision/comprehensive covers this first but Towing & Labor kicks in if driver doesn’t have collision/comprehensive coverage

Roadside Services covered

  • Towing - You will be towed to the Nearest Qualified repair Facility
  • Jumpstart a dead battery - So you can get where you want to go
  • Deliver emergency fue - We'll get you enough gas to reach the nearest service station
  • Change a flat time and install the spare
  • Unlocking vehicle doors - If you're locked out of your car, we'll get it unlocked

Contact Phone Number

Liberty Mutual’s Emergency Roadside Assistance is available through its mobile app, or by calling 1 (800) 426-9898. The company’s roadside assistance website is here.

Farmers

Farmers Towing & Roadside Assistance

Covers roadside services up to $150

Services covered:

  • Emergency towing
  • Dead battery
  • Tire change
  • Lockout
  • Winching
  • Emergency roadside connect – to access police, fire, and medical assistance

Farmers Towing & Roadside Assistance works with over 20,000 road services facilities. If you choose to select your own roadside service that is out of Farmers network, you will have to file a claim for reimbursement up to $150.

Farmers’ Roadside Emergency Safety is available by calling 1 (800) 435 -7764. Its roadside service is available by clicking here. Its Roadside Emergency Safety program can help you with an emergency tow, jump start, flat tire, lockout assistance, roadside winching, and ambulance services.