Check out our Allstate Car Insurance Review and Liberty Mutual Car Insurance Review for more information on these two companies.
Allstate and Liberty Mutual both offer standard auto insurance coverage options such as:
Check out our article about the common types of auto insurance to learn more about basic coverage.
Additional coverage from Allstate and Liberty Mutual may be available as add-ons to basic coverage in some states.
Allstate offers an uncommon add-on: sound system insurance. The company will cover the loss if your custom audio equipment is stolen or damaged.
Liberty Mutual has an unusual option with its insurance geared toward teachers. This product provides extra protection for your vehicle and teaching materials from vandalism and theft.
One unique feature of Liberty Mutual is the length of its car insurance policies. Unlike most leading carriers, Liberty Mutual offers policies in 12-month terms. Liberty’s option for annual rates may help you avoid increases that often come at the end of typical six-month policies.
Premiums from Allstate and Liberty Mutual are often in the higher insurance cost spectrum range. According to research from The Zebra, the average monthly cost for a policy with Allstate is $170. Liberty Mutual rates are comparable at $144 per month on average.
Many consumers say you get what you pay for and that premiums from these companies match their service and reputation. Also, remember that with any policy, rates will vary depending on driving records, geographic region, vehicle type, and other factors, including average annual mileage. Contact Allstate, Liberty Mutual, and other insurance companies directly for personalized quotes.
This table compares average annual premiums between Allstate and Liberty Mutual by age tier.
| Age Group | Allstate | Liberty Mutual |
| Teens | $6,442 | $6,559 |
| 20s | $2,636 | $2,686 |
| 30s | $1,920 | $1,942 |
| 40s | $1,912 | $1,926 |
| 50s | $1,893 | $1,793 |
| 60s | $1,768 | $1,746 |
Source: The Zebra
One of the better discounts you can get from carriers is bundling auto insurance with home, renters, boat, motorcycle, or another insurance policy. Most insurers will encourage customers to take advantage of bundling their coverage. Be sure to ask about multi-policy and multi-vehicle bundling options.
Policyholders with these insurers may be eligible for multiple auto insurance discounts and perks:
You might be eligible for a discount from Liberty Mutual if you’re a homeowner, even if you don’t bundle your policies. If you choose Allstate, you might get a lower rate for driving a new car.
Most auto insurance carriers, including Allstate and Liberty Mutual, get mixed reviews from consumers. Some praise the companies for their claims response, but others criticize the insurers for the same topics.
For car insurance shoppers, high customer satisfaction ratings mean a strong likelihood of the insurer processing claims quickly and efficiently. The 2021 J.D. Power U.S. Auto Insurance Study includes responses from almost 39,000 customers. The results provide insights into customer satisfaction in key areas:
J.D. Power assessments rate Allstate as “average” based on customers’ opinions of and experiences with the company. Liberty Mutual is rated “above average.”
An insurance company must have the ability to cover any claims that must be paid and to meet its other financial requirements.
Allstate has an “excellent” financial strength rating from A.M. Best; Liberty Mutual’s rating is “good.” Both ratings indicate that these insurers can pay their claims obligations.
Car insurance requirements are unique to every driver. Request a quote from Liberty Mutual, Allstate, and other carriers. Speak with company representatives and choose the insurer with the coverage levels and prices that best meet your needs.
Allstate and Liberty Mutual provide auto policies with different levels of coverage for a broad range of drivers. The average premium price is similar between the two insurers. Shopping around will always get you the best price, but remember that cost is just one factor you must consider.
No matter which company you choose, be sure to understand the details of what is covered and know what is best for your situation before signing a new car insurance policy or renewing your coverage. If you’re buying a car, don’t forget to obtain auto insurance prior to driving the vehicle away.
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