Compare Liberty Mutual vs. State Farm Insurance

Liberty Mutual and State Farm are both top names in the auto insurance industry. Both companies are top-ranked auto insurers as of 2015, State Farm as #4 and Liberty Mutual as #8.

Though State Farm ranks higher for financial strength and J.D. Power ratings, Liberty Mutual has it beat in customer satisfaction, with an A+ rating among other high-scored consumer reviews. Both companies offer multiple discounts and roadside assistance, but Liberty Mutual requires Towing and Labor coverage first.

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 State Farm
Best If Liberty Mutual
  • You want better car replacement after an accident and strong online tools
State Farm
  • You want competitive discounts, strong mobile and online features, and high customer satisfaction
Worst If Liberty Mutual
  • You want breakdown coverage or 24-hour customer support
State Farm
  • You want mechanical breakdown coverage

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Special Car Insurance Discounts

Liberty Mutual State Farm
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.

State Farm

Commercial Auto Insurance

If you’re a business owner and have vehicles (i.e. pickup trucks or box trucks), consider purchasing commercial auto insurance. It will cover you if an employee driving one of your business vehicles gets into an accident.

There are multiple coverage options for commercial auto insurance:

  • Bodily Injury Liability Coverage
  • Property Damage Liability Coverage
  • Personal Injury/Medical Payments Coverage
  • Collision Coverage
  • Comprehensive Coverage
  • Uninsured/Underinsured Motorists Coverage

There’s also Employers Non-Owned Liability Coverage (ENOL). This policy covers you if any of your employees use their own cars for business purposes. If they get into an accident, you won’t suffer any financial losses.

Classic Car Insurance

State Farm provides coverage for customers who own classic or antique cars. Its website also provides a brief guide that determines whether your car is eligible for Classic Car Insurance.

The coverages for this type of policy are:

  • Liability
  • Medical Payments/No Fault
  • Comprehensive
  • Collision
  • Uninsured/Underinsured Motor Vehicles
  • Emergency Road Service
  • Death, Dismemberment, and Loss of Sight
  • Loss of Earnings

Standard Car Insurance Discounts

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

Consumer Complaint Data

Liberty Mutual Auto Insurance State Farm Auto Insurance
2016 160 105
2015 267 155
2014 235 178
2013 187 135

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

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

Mobile Apps

Liberty Mutual State Farm
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.

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

State Farm

State Farm has seven mobile apps for your smartphone or web browser that can manage your insurance policies.

Pocket Agent

This app lets you:

  • View your insurance card
  • File or view a claim
  • Access Roadside Assistance
  • Connect with your local agent

You can also use it to pay any pending insurance premiums and deposit checks to your State Farm bank accounts. To make the app more secure, State Farm has added a fingerprint Touch ID feature you can use to login.

CarCapture

This app is powered by Edmunds.com, a car shopping website. The app recognizes any vehicle you take a picture of from the back. It can tell you anything you want to know about it. You can learn its market value and even locate a nearby dealership. You could even do this while getting a State Farm auto insurance quote.

Steer Clear

This app encourages good, smart driving behaviors. It lets you earn discounts for driving well while teaching you safe driving behaviors. Some new features include driving tips for dangerous weather conditions and videos about others’ driving experiences.

Driver Feedback

This an app for drivers of all ages looking to improve their driving habits. The app focuses on the driving actions of accelerating, braking, and cornering, since they are the most risky behaviors. The app uses your phone’s accelerometer to measure and score these areas. And then it provides you with tips based on your results.

Driver Feedback Instructor Edition

This app was created with drivers-ed and parent instructors in mind. It helps instructors track the progress of their student drivers in a smart and easy way and give real-time feedback.

Drive Safe & Save Mobile

This app is a free app you can use to help save money on auto insurance. The gist is that the less you drive and safer you drive, the more you have a chance of saving. The app also includes a wifi option so you can save data on your phone plan.

MoveTools

This app makes the moving process that much easier. You can use MoveTools to virtually pack your belongings. The app has a feature that let you label your boxes and write down each one’s contents. That can help you keep track of them during the move.

To learn more and download any of these State Farm mobile apps, click here

 

Roadside Assistance

Liberty Mutual State Farm
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. The website is here.

State Farm

State Farm Emergency Road Service

This service can help if you need:

  • Mechanical labor
  • Towing
  • Delivery of gas
  • Tire change
  • Battery jump-start
  • Locksmith services

Or if your car is stuck somewhere.

Roadside Assistance Services Covered

  • Mechanical labor at the site of your car’s breakdown (up to 1 hour) minor labor at the site
  • Towing to the nearest repair service center. Must be near a public road, not in the middle of the campsite
  • Delivery of gas, oil, battery, or replacement tire (but will not pay for these items)
  • Locksmith labor to unlock the car covered up to 1 hour

Services Not Covered

  • Towing cost beyond the nearest repair service center
  • Labor costs beyond the first hour

Contact Phone Number

State Farm’s Emergency Road Service is available by calling 1 (877) 627-5757. Its website is here.