Liberty Mutual and Allstate are two of the top auto insurers in the nation. Liberty Mutual recently received a J.D. Power award for being among the top auto insurers to provide the most satisfying purchase experience. Its financial strength and overall J.D. Power ratings trump those of Allstate’s.
Meanwhile, Allstate offers far more discounts than Liberty Mutual, including discounts for utility and farm vehicles, seniors and newly retired. Liberty Mutual also offers additional discounts for clients who recently moved, married, graduated, or retired.
So which one offers of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.
Best If |
Liberty Mutual
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Allstate
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Worst If |
Liberty Mutual
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Allstate
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Liberty Mutual
Bundle & SaveWhen you combine policies with Liberty Mutual, you can receive special discounts for bundling and thus save more money. Multi-Car DiscountThe 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 SavingsLiberty 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. |
Allstate |
Bundling Coverage Discounts | Liberty Mutual | Allstate |
---|---|---|
Multi-Car | ||
Home and Car | ||
Car and Life | ||
Vehicle Type and Safety Features | Liberty Mutual | Allstate |
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 | Allstate |
Accident Free/Good Driver | ||
Prior Insurance | ||
Long Term Policy Holder | ||
Defensive Driving Course | ||
Student, Professional, and Club Memberships | Liberty Mutual | Allstate |
Affinity Group | ||
College Graduate | ||
Good Student | ||
Resident Student | ||
Organization or Club Membership | ||
Farm Bureau Member | ||
Military | ||
Special Circumstances | Liberty Mutual | Allstate |
Telematics Device | ||
Low Mileage | ||
Short Commute | ||
Days Per Week Driven | ||
Other Discounts | Liberty Mutual | Allstate |
Married | ||
Paid in Full | ||
Advance Renewal | ||
Electronic Funds Transfer | ||
Senior Driver | ||
55 and Retired |
Liberty Mutual Auto Insurance | Allstate Auto Insurance | |
---|---|---|
2016 | 160 | 322 |
2015 | 267 | 460 |
2014 | 235 | 569 |
2013 | 187 | 530 |
Liberty Mutual Auto Insurance | Allstate Auto Insurance | |
---|---|---|
Overall Purchase Experience | Among the best | Below average |
Policy Offerings | Among the best | Average |
Pricing | Above average | Below average |
Local Agent | Among the best | Average |
Call Center Representative | Above average | Below average |
Insurer Website | Average | Average |
Liberty Mutual Auto Insurance | Allstate Auto Insurance | |
---|---|---|
Overall Satisfaction | Average | Average |
First Notice of Loss | Average | Average |
Service Interaction | Average | Average |
Appraisal | Average | Above average |
Repair Process | Average | Below average |
Rental Car Experience | Average | Above average |
Settlement | Average | Average |
Liberty Mutual Auto Insurance | Allstate Auto Insurance | |
---|---|---|
A.M. Best | A | A+ |
Moody's | A2 | Aa3 |
S&P's | A | AA- |
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:
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. |
Allstate
Allstate Mobile has all the information you need on policies and claims. You can download the Allstate mobile app here, or text ALLSTATEAPP to 25788. Drivewise Mobile makes the Allstate Drivewise discount even easier. The app collects information about your good driving habits and then rewards you for safe driving. All you have to do is download the app, login, and start driving. Allstate Motor Club offers 24/7 roadside assistance to its members. They can access any emergency service from their smartphones with just one touch. You have to first join Allstate Motor Club. But the app is 100% free! |
Liberty Mutual
Liberty Mutual 24-Hour Roadside AssistanceTowing & 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
Contact Phone NumberLiberty 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. |
Allstate
Allstate offers three services that can help give you a hand when you run into trouble on the road. You can access help from your phone using GPS tracking. Then watch them on the map as they come your way. Allstate has 3 service options for drivers to choose from with many levels of service. Allstate Motor ClubPlatinum Elite Member $99/year
Good Hands Rescue Open to everyone to use no policy or membership requirements. Use the app to select and locate service from a network of nationwide providers. Good Hands Rescue app gives you:
Roadside Services Included
Towing & Labor Coverage Can be bought as an add-on to your Allstate insurance policy. Basic services include
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