Liberty Mutual vs. Allstate Car Insurance

Take a look at the table below for a high-level overview of Liberty Mutual and Allstate across pricing, business ratings, and customer service metrics.

Liberty Mutual Is Better For:

• Teachers who want discounts and special coverage add-ons
• Customers who like shopping policies online
• Military members who qualify for its military discounts

Allstate Is Better For:

• Drivers who have a financed or leased car
• People who prioritize customer service
• Residents of the New England or Southwest regions
• Homeowners

Both insurers have premiums higher than the national average in almost all categories. However, Liberty Mutual has lower average rates than Allstate in more categories. The exceptions are rates for minimum coverage, DUI, and low credit.

This suggests that drivers with a clean record may find lower rates with Liberty Mutual, while high-risk drivers in certain categories might find cheaper rates with Allstate.

You can purchase standard coverage options from both Liberty Mutual and Allstate, including liability, comprehensive and collision, medical payments, personal injury protection, and uninsured/underinsured motorists.

Both companies also offer optional coverages you can add to your policy:

Coverage options vary by state, so always confirm what’s available in your area by checking your quote or reaching out to your agent.

Liberty Mutual offers a number of auto insurance discounts that eligible policyholders can utilize. Allstate also offers discounts, but only officially lists a few on its site. We’ve indicated the explicitly advertised Allstate discounts below, but you should ask an agent to verify all available discounts and which may apply to you.

For both insurers, discounts may vary by state, so confirm what’s available where you live.

Liberty Mutual vs. Allstate Telematics Programs

Both Liberty Mutual and Allstate offer telematics programs. You use the companies’ respective mobile apps to track your driving habits and get a discount at your next policy renewal.

Allstate has the Drivewise program, while Liberty Mutual’s program is called RightTrack. There are two versions of RightTrack. With RightTrack Continuous, your driving is tracked continuously, and any discount earned is updated each policy renewal. With RightTrack 90-Day, you’re evaluated for 90 days, and the discount you earn is applied for the life of the policy.

Allstate Drivewise is available in all states but California and Alaska. Liberty Mutual RightTrack is similarly available in most states, though it doesn’t specify which (ask an agent to confirm).

Liberty Mutual’s telematics program ranked lower than USAA’s in J.D. Power’s 2025 U.S. Auto Insurance Study, with a score of 661 to Allstate’s 649. The study’s average score was 643.¹

There is no clear-cut winner between Liberty Mutual and Allstate in this area, as results are mixed between the two insurers.

Liberty Mutual beats Allstate on almost all industry studies we cite for customer service. However, the one study that Allstate does outperform Liberty Mutual in is the J.D. Power Auto Insurance Study, which offers a robust region-by-region breakdown of customer satisfaction scores. In nearly every region, Allstate significantly outperformed Liberty Mutual.

Here’s how the companies compare in various areas:

Claims Satisfaction

In the J.D. Power 2025 U.S. Auto Claims Satisfaction Study, Liberty Mutual scored 730 out of 1,000, well above the average of 700.² Allstate has a below-average score of 693 out of 1,000.

Liberty Mutual scored better than Allstate in the 2026 CRASH Network Report Card, which tracks auto shops’ experiences dealing with insurers. Both insurers scored a D+ grade, or lower than average. It’s worth noting that none of the 10 largest insurers scored higher than a C+.³

Customer Service

In J.D. Power’s 2025 U.S. Auto Insurance Study, which tracks overall customer satisfaction with insurers, Allstate scored higher than Liberty Mutual in almost every region. The exceptions were the Mid-Atlantic and North Central regions.

Here is a breakdown of each company’s score (out of 1,000) by region:

The NAIC Complaint Index measures the number of complaints made to a company. The higher the number, the higher the number of complaints; a score of 1 is considered average. Liberty Mutual’s score of 2.34⁴ is better than Allstate’s score of 4.30⁵, which indicates that Liberty Mutual receives fewer complaints.

Shopping

Customers tend to be more satisfied with Liberty Mutual’s process when it comes to shopping for and purchasing a policy, according to J.D. Power’s 2025 U.S. Insurance Shopping Study.⁶ Both companies allow customers to get quotes and purchase policies online or by phone.

The J.D. Power study evaluates factors beyond the quote process, including policy offerings, price, and distribution channel.

Liberty Mutual and Allstate both have robust online platforms and mobile apps through which policyholders can file claims, access policy information, get roadside assistance and more. Here’s a breakdown of each app:

J.D. Power’s 2025 U.S. Insurance Digital Experience Study indicates that customers are most satisfied overall with Allstate’s digital service over Liberty Mutual’s. It received a 705 out of 1,000 in the service category, while Liberty Mutual earned a 684. Allstate’s score is above the segment average, while Liberty Mutual’s is below average.⁷

In the shopping category, Liberty Mutual came out ahead with a score of 535 out of 1,000 compared to Allstate’s 521.

When choosing between Liberty Mutual and Allstate, we recommend getting a quote from both and comparing rates, especially since there is no clear-cut “better” insurer of the two.

Liberty Mutual is more likely to offer lower rates than Allstate to drivers with clean records; Allstate is more likely to offer lower rates than Liberty Mutual to certain high-risk drivers. With both insurers, the rate you’re given is likely to be pricier than the national average regardless of what driver category you fall into.

Results are equally mixed for customer service. While Liberty Mutual scored higher than Allstate in more third-party studies, Allstate significantly outscored Liberty Mutual in a robust region-by-region breakdown of customer service rankings.

Finally, both companies have great financial strength ratings from AM Best and high ratings from the BBB, and are able to pay out claims. They also both have usage-based telematics programs that offer savings for safe driving.

At AutoInsurance.com, we use four key factors to evaluate auto insurers:

• Price (40%): We analyze average premiums for both full and minimum coverage for a standard driving profile of a good driver with good credit. We also looked at rates for other driver profiles, including those with violations or low credit. We also consider available discounts. Full coverage averages use the following limits:
  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $50,000 per accident
  • Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
  • Comprehensive and collision: $500 deductible
• Claims handling (25%): An auto insurer’s claims handling process should be quick, transparent and efficient, with clear communication, fair evaluation of damages and timely payment or resolution. We assess claims practices using sources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Report and financial strength from sources like AM Best and S&P Ratings. We also include real-life customer experiences when possible.
• Customer experience (25%): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC complaint index, BBB ratings and app store reviews.
• Coverage options (10%): We review each company’s coverage offerings and prioritize providers with options beyond the state-required minimums, such as accident forgiveness, gap coverage, rideshare coverage and more.

Read more about our ratings and methodology.