Comparing quotes is the best way to get your lowest rates from top insurers like Liberty Mutual and Farmers. QuoteWizard is an independent company that helps you find your right policy at your best rate.
Liberty Mutual and Farmers are both big names in the insurance industry. 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 discounts, services, and customer ratings that best fit your car insurance wants and needs? Keep reading to find out.
| Best If |
Liberty Mutual
|
Farmers
|
| Worst If |
Liberty Mutual
|
Farmers
|
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. |
Farmers
Farmers Inner Circle is an exclusive hub for Farmers customers. It has tips and resources for saving money on insurance and how to keep your rates low. |
| 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 |
| Liberty Mutual Auto Insurance | Farmers Auto Insurance | |
|---|---|---|
| 2016 | 160 | 167 |
| 2015 | 267 | 262 |
| 2014 | 235 | 237 |
| 2013 | 187 | 300 |
| Liberty Mutual Auto Insurance | Farmers Auto 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 |
| Liberty Mutual Auto Insurance | Farmers Auto 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 |
| Liberty Mutual Auto Insurance | Farmers Auto Insurance | |
|---|---|---|
| A.M. Best | A | A |
| Moody's | A2 | Aa3 |
| S&P's | A | A+ |
|
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. |
Farmers
Farmers Insurance Mobile Apphelps customers manage their insurance on the go. You can instantly view ID cards, connect with your agent, and pay your monthly premiums in one place. The app also lets you:
|
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. |
Farmers
Farmers Towing & Roadside AssistanceCovers roadside services up to $150 Services covered:
Farmers Towing & Roadside Assistance works with over 20,000 road services shops. If you use a service that's out of Farmers network, you'll have to file a claim for up to $150. Farmers’ Roadside Emergency Safety Contact NumberCall 1 (800) 435 -7764 or click here for help with assistance with roadside issues. This service help you with an emergency tow, jump start, flat tire, lockout assistance, winching, and ambulance services. |