In this article, we at the Guides Auto team compare Geico vs. Liberty Mutual, looking at the coverage, costs, discounts and customer satisfaction for each company. Choosing the right insurance company is an important decision, which is why we’ve reviewed the best car insurance companies. To get the best rate on your insurance premium, you can compare auto insurance quotes from companies in your area.
On our scale for rating auto insurance companies, we’ve given Liberty Mutual a 9.0 out of 10.0. Geico scores a bit higher, coming in at 9.1 out of 10.0. The two companies are close, but Geico’s main advantage comes with having a stronger reputation than Liberty Mutual.
As providers with more than 75 years of experience in the insurance industry, both Liberty Mutual and Geico have strong reputations and expansive coverage options. Both companies are also strongly rated by AM Best, meaning they have strong financial capability and you don’t have to worry about your claims not being paid out with them.
Liberty Mutual and Geico’s ratings from the Better Business Bureau (BBB) show that both companies are well structured and generally liked by customers. However, Liberty Mutual scores higher than Geico in overall customer satisfaction for the J.D. Power 2022 U.S. Insurance Shopping Study℠.
Here are a few highlights of Liberty Mutual:
Read more about Liberty Mutual’s services in our Liberty Mutual insurance review.
Here are a few highlights of Geico insurance:
Read more about Geico’s services in our Geico insurance review.
Whether you need a usage-based car insurance policy in South Carolina, full-liability coverage in Oklahoma or a plan for a young driver in Florida, you should be able to find what you need with Geico or Liberty Mutual. As two of the largest providers of car insurance, they both have wide varieties of coverage options.
Geico and Liberty Mutual also offer other types of coverage, including home insurance and renters insurance. You can get a discount with either company by bundling another type of insurance with your car insurance coverage.
In the table below, you can see some of the major coverage types and add-on insurance products that are available to you with both Geico and Liberty Mutual.
*Certain coverages may not apply in all states.
Both Liberty Mutual and Geico offer usage-based auto insurance programs, respectively named Liberty Mutual RightTrack® and Geico DriveEasy. Both telematics insurance systems have you download an app on your phone to keep track of your driving score, but there can be different ways to monitor your behaviors behind the wheel.
Geico’s DriveEasy uses the app and sensors in your phone to track your driving habits. With Liberty Mutual’s RightTrack, there are three different options available depending on where you live:
Another key difference between the two is that RightTrack only tracks your driving behaviors for a 90-day period, while DriveEasy continues to monitor your driving behaviors while enrolled in the program.
*Liberty Mutual RightTrack plug-in available only in New York.
It’s important to note that neither system takes into account your credit score or driving history for your discount — only your behaviors during the period.
Geico is usually a cheaper option than other top insurance companies, including Liberty Mutual. For full-coverage car insurance, Geico’s average rate is $1,308 per year, which is 24% cheaper than the national average of $1,730 per year. Geico’s average minimum coverage of $468 per year is 26% cheaper than the national average, which is $635 per year.
Our team got a quote from Liberty Mutual for $215 per month for a full-coverage auto insurance policy. The quote was for a 26-year-old driver who owns a 2018 Honda Accord and drives 12,500 miles per year. The insurance cost for this policy comes out to $2,580 a year, which is higher than the national average of $2,019 for 25-year-old drivers.
According to our cost data, a full-coverage policy for a 25-year-old with Geico costs $1,420 per year on average, well below the national average for this age group.
Even though Liberty Mutual is more expensive than Geico on average for coverage, it still scores a 9.2 out of 10.0 for cost in our review — the same as Geico — because of its discounts available to bring down those costs.
Liberty Mutual offers many different discounts that can stack up and save you more on premiums. Some ways to bring the cost of car insurance down is to buy coverage online, have paperless billing or bundle your car insurance with other policies.
Geico also offers a variety of discounts that can apply to your car insurance rates, including discounts for having anti-theft devices or anti-locking brakes in your vehicle. Here are the full lists of Geico and Liberty Mutual discounts side by side:
Both Geico and Liberty Mutual have great scores from the BBB itself, but their customer review ratings are low. Our review team reached out to Geico for a comment on its low scores but did not receive a response. Liberty Mutual however, stated that it always makes an effort to respond to customer complaints and is willing to work with customers to resolve any issues.
Geico slightly edges out Liberty Mutual in BBB customer reviews as well as customer claims satisfaction ratings in the J.D. Power 2022 Auto Claims Satisfaction Study℠. Geico comes in just above the industry average of 873, ranking ninth out of large insurance companies, while Liberty Mutual is just below the average in 11th place.
Both Liberty Mutual and Geico have apps for iOS and Android mobile devices through the App Store and Google Play. Geico’s mobile app rates 4.8 stars out of 5.0 from over 3.5 million reviews on the App Store and 4.6 stars with over 454,000 reviews on Google Play.
The Liberty Mutual app has a 4.8-star rating with over 295,000 ratings on the App Store, and a 4.7-star rating on Google Play with over 92,000 reviews.
Alongside other customer surveys, our team conducts our own customer research by surveying thousands of auto insurance customers on their satisfaction with their provider. Overall in our surveys, Geico and Liberty Mutual scored similarly, with Liberty Mutual scoring slightly higher in the affordability and coverage selection questions.
*Scores are out five points each.
In the last section of the survey, consumers were asked how likely they would be to recommend their insurance provider to others on a scale of 1.0 to 10. Geico scored a 7.7 and Liberty Mutual scored a 7.5.
Overall, we have Geico just beating out Liberty Mutual by a score of 9.1 to 9.0. The main edge for Geico is in its reputation, but the company also has a sizable lead in customer experience. While Geico has some of the best rates in the country, both companies have similar cost scores. Liberty Mutual has more coverage options.
There are many options available for car insurance depending on where you live. Liberty Mutual and Geico are available all over the country, but neither company may fit your needs exactly. Comparing quotes and coverage from other companies is the best way to find the right provider for you. USAA and Progressive are both good choices to take into consideration when deciding on auto insurance.
If you’re a member of the military, veteran or a family member of a military member or veteran, USAA could have excellent rates for you. USAA consistently offers the lowest prices on the market, as well as many discounts, including a usage-based discount that rewards safe driving. In addition to great rates, USAA also offers top-notch customer service.
Keep reading: USAA insurance review
Progressive is another option for drivers when it comes to affordable coverage, especially for high-risk drivers with accidents, DUIs or tickets on their driving records. Progressive offers a variety of discounts and a Name Your PriceⓇ Tool, which allows you to choose the price you’re willing to pay before matching you to coverages that fit your budget.
Keep reading: Progressive insurance review
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
Our credentials:
*Data accurate at time of publication.
