Liberty Mutual vs. GEICO: Which Auto Insurance Is Better?

GEICO ranks second on our list of the best car insurance companies. Specifically, we chose GEICO as the best option for cheap auto insurance. Although Liberty Mutual is more expensive than GEICO in most categories, Liberty Mutual has competitive scores in third-party ratings for customer satisfaction and offers a multitude of discounts to help make car insurance more affordable.

Liberty Mutual vs. GEICO: Pros and Cons of Each

Liberty Mutual is better for:

• Drivers who need additional coverage, like rideshare coverage or gap insurance
• Drivers who are interested in a telematics program
• Drivers who want to work with an auto insurance agent

GEICO is better for:

• Drivers who are looking for the cheapest car insurance
• Drivers who want to shop online
• Drivers with low credit

Cost plays a major role in helping drivers decide which auto insurance provider is right for them, and GEICO remains the cheapest option for drivers in every category for which we have complete data. GEICO has lower premiums than Liberty Mutual across the board.

These rates are averages, so it’s important to get quotes from both companies to know you are getting the best rate for you individually. Even though GEICO is usually less expensive than Liberty Mutual, the latter might be cheaper for some drivers.

Both Liberty Mutual and GEICO offer all of the standard coverage options, including liability, comprehensive and collision, medical payments, personal injury protection, and uninsured and underinsured motorist coverage.

Both providers also offer many additional types of coverage, like roadside assistance and accident forgiveness. Liberty Mutual does not offer mechanical breakdown insurance, and GEICO does not provide coverage for rideshare drivers. Check with each provider to see if they offer the types of coverage you need.

It is important to get a quote and talk with an agent to see what coverage is available to you in your state.

Discounts can help make auto insurance more affordable, but they vary by provider. GEICO offers all of the discounts listed below, and Liberty Mutual offers all but one: a continuous insurance discount (savings for drivers who do not have lapses in their policy history).

Liberty Mutual has higher ratings than GEICO in J.D. Power studies for claims satisfaction and shopping. However, in every region, GEICO scores higher for customer service, and it also scored higher on CRASH Network’s survey of collision repair shops.

Claims Satisfaction

In the 2024 J.D. Power U.S. Auto Claims Satisfaction Study, Liberty Mutual ranked fifth. Its score of 717 out of 1,000 is 25 points higher than GEICO’s. Liberty Mutual scored 20 points higher than average, while GEICO was below average.

However, GEICO received a higher score than Liberty Mutual on the 2025 CRASH Network Insurer Report Card. Liberty Mutual placed 89th out of 97 with a D+ grade, and GEICO placed 80th with a C- grade.

Customer Service

GEICO outranked Liberty Mutual for customer service in every region on the 2025 J.D. Power U.S. Auto Insurance Customer Satisfaction Study³. Liberty Mutual ranked below average in every region except New England.

GEICO also receives fewer complaints than Liberty Mutual, according to the National Association of Insurance Commissioners (NAIC), which records customer complaints with insurance companies. A score of 1 on the NAIC Complaint Index indicates the average number of complaints for a company of its size. Both GEICO and Liberty Mutual received more complaints than expected.

Shopping

Shopping for the right insurance provider can be difficult, but both Liberty Mutual and GEICO offer easily accessible quotes and online purchasing, which can help make the process easier. According to the J.D. Power U.S. Insurance Shopping Study, customers are more satisfied with Liberty Mutual’s shopping process than with GEICO’s. Liberty Mutual ranked above average and fourth overall, while GEICO ranked below average and 12th overall.

Liberty Mutual offers quotes both online and over the phone. GEICO also offers online quotes, but quotes by phone are not available in every state.

Liberty Mutual and GEICO offer mobile apps that allow you to access policy information, request roadside assistance, file claims, make payments and more. Both companies’ apps have high ratings from both iOS and Android users.

Despite these high scores, both Liberty Mutual and GEICO scored lower than average on J.D. Power’s 2025 U.S. Insurance Digital Experience Study. For both service and shopping, the two providers score within five points of each other.

GEICO scored below average on both sections of the study, whereas Liberty Mutual scored below average for service and average for shopping. The scores suggest that customers experience relatively similar satisfaction with both providers.

Finding the right auto insurance policy requires a bit of time and research, but when you know what you need, it can make the process easier. GEICO typically offers lower rates than Liberty Mutual for most drivers, but GEICO may not have the kind of coverage you need. For example, GEICO does not offer rideshare coverage or gap insurance.

When it comes to third-party rankings, both GEICO and Liberty Mutual have their strengths. If you’re looking for great customer service, GEICO is the right choice. But if you want high customer satisfaction with claims and shopping, Liberty Mutual would be better.

No matter what, you should always get more than one car insurance quote — ideally, at least three. Take your time when you’re shopping around to make sure you choose the right provider and coverage for you.

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 look 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: $50,000 per person / $100,000 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 such as 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. 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 and rideshare coverage.

Read more about our ratings and methodology.