Compare Liberty Mutual vs. GEICO Insurance

Get affordable car insurance quotes from top companies like Liberty Mutual and GEICO Compare Auto Insurance Rates

Liberty Mutual and GEICO are both huge names in the insurance industry. Both companies have exceptional consumer reviews and customer satisfaction ratings from top review services and websites. GEICO’s prime focus is on car insurance. So it offers more discounts for auto insurance than does Liberty Mutual. GEICO also ranked as the #1 auto insurer of 2015, with Liberty Mutual as #8.

However, Liberty Mutual won a J.D. Power award in 2015 for best customer buying experience. It also offers additional discounts for customers who are newly graduated, married, retired, or moved.

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

Best If/Worst If

  Liberty Mutual GEICO
Best If Liberty Mutual
  • You want better car replacement after an accident and strong online tools
GEICO
  • You want great customer service and low premiums
Worst If Liberty Mutual
  • You want breakdown coverage or 24-hour customer support
GEICO
  • You want other products aside from car and motorcycle insurance (other products offered through third parties)

Special Car Insurance Discounts

Liberty Mutual GEICO
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. This helps make managing your auto insurance as stress-free as possible.

Exclusive Group Savings

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

GEICO

GEICO offers a number of discounts for auto, truck, and motorcycle insurance. Some of the discounts include:

  • Vehicle Equipment discounts
    • Air bags, anti-lock brake system, anti-theft system, and daytime running lights discounts
  • Driving History and Habits discounts
    • Five-year accident-free good driver and seatbelt use discounts
  • Driver’s Education discounts
    • Defensive driving, driver’s ed, and good student discounts
  • Driver Affiliations
    • Emergency deployment, military, membership/employee discounts, or federal employee status discounts
  • Customer Loyalty discounts
    • Multi-car, multi-policy/line (bundling) discounts

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Comparing quotes is the best way to get the lowest rates from top insurers like Liberty Mutual and GEICO. QuoteWizard is an independent company that helps you find the right policy at the best rate.

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Standard Car Insurance Discounts

Bundling Coverage Discounts Liberty Mutual GEICO
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Liberty Mutual GEICO
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 GEICO
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Liberty Mutual GEICO
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Liberty Mutual GEICO
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Liberty Mutual GEICO
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Liberty Mutual Auto Insurance GEICO Auto Insurance
2016 160 144
2015 267 283
2014 235 267
2013 187 188

U.S. Auto Insurance Shopping Study (2016)

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

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

Liberty Mutual Auto Insurance GEICO Auto Insurance
Overall Satisfaction Average Average
First Notice of Loss Average Above average
Service Interaction Average Below average
Appraisal Average Average
Repair Process Average Below average
Rental Car Experience Average Among the best
Settlement Average Average

Financial Strength Ratings

Liberty Mutual Auto Insurance GEICO Auto Insurance
A.M. Best A A++
Moody's A2 Aa1-
S&P's A AA+

Mobile Apps

Liberty Mutual GEICO
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. 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 hi-res 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 in the event of theft or damage to your home.

Click here for more information and to download any of the Liberty Mutual mobile apps.

GEICO

The GEICO Mobile App

provides customers easy access to their insurance policies. Its features include:

  • Digital ID Cards. Have your insurance cards stored on your phone for quick, easy access in case of emergency
  • Roadside Assistance. Contact GEICO direct from your mobile phone for help should you get a flat tire, have an accident, etc.
  • Chat. Talk instantly to insurance agents with the chat feature anytime, and anywhere

Download the GEICO app.

Roadside Assistance

Liberty Mutual GEICO
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'll be towed to the Nearest Qualified repair shop
  • Jumpstart a dead battery - So you can get where you want to go
  • Deliver fuel - We'll get you enough gas to reach the nearest service station
  • Change a flat tire
  • 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. Click here to go to the Liberty Mutual Roadside Assistance website.

GEICO

GEICO Roadside Assistance With Emergency Road Service

GEICO Roadside Assistance With Emergency Road Service is an add-on that provides customer's with cheap towing and basic repairs. The service costs as little as $14 a year, per car and can assist motorists with:

Roadside Assistance Services Covered

  • Car battery jumping
  • Replacing flat tires with your spare
  • Bringing you gasoline if your tank's empty
  • Locksmith service (Up to $100)
  • Towing that's unrelated to an accident

Roadside Assistance With Emergency Road Service will only fix minor problems like these. However, if your car needs major work, you will be towed to a safe place where repairs can be made.

Contact Phone Number

You can access GEICO’s Emergency Road Service through its mobile app. You can also call (800) 443-7411.
Visit GEICO's roadside service website here.

Using GEICO's mobile app is a great way to get help fast because of GPS. The GPS locator means GEICO can find you and send help even if you're not sure where you are.