Liberty Mutual vs Geico
LM
Liberty Mutual
Diversified insurance provider offering auto, home, and life coverage with loyalty discounts.
Safe drivers seeking bundled insurance and loyalty discounts
VS
Geico
Direct auto insurance provider known for affordable rates and extensive discount options.
Budget-conscious drivers seeking affordable auto insurance
Short Answer
Geico edges out Liberty Mutual as the more affordable option with an average rate of $66/month for minimum coverage versus Liberty Mutual's $85/month, while both companies boast 85+ years of experience. Geico scores slightly higher in customer ratings (4.5 vs 4.4 stars) and offers more discount opportunities, though Liberty Mutual excels with safe driver programs like RightTrack.
Our Verdict
Geico is the better overall choice for most drivers seeking affordability and strong customer service, with lower average premiums and higher customer satisfaction ratings. However, Liberty Mutual is ideal for safe drivers who want comprehensive coverage options beyond auto insurance and can benefit from loyalty discounts like RightTrack. We recommend obtaining quotes from both to ensure you get the best rate for your specific situation.
Liberty Mutual6.3
8.8Geico
Choose Liberty Mutual if
Safe drivers seeking bundled insurance and loyalty discounts
Key Differences at a Glance
📅
Minimum Coverage Monthly Rate: Geico wins ($66/month vs $85+/month)
💰
Full Coverage Annual Cost: Geico wins ($2,053/year vs Not specified)
🔹
Our Team Rating: Geico wins (4.5 out of 5 stars vs 4.4 out of 5 stars)
Key Facts & Figures
| Metric | Liberty Mutual | Geico | Diff |
|---|---|---|---|
| Minimum Coverage Monthly Rate(USD) | $85+ | $66 | +29% |
| Full Coverage Annual Cost(USD) | Not specified | $2,053 | — |
| Customer Rating(stars) | 4.4 out of 5 | 4.5 out of 5 |
Key Differences
Liberty Mutual
Attribute
Geico
$85+/month
Minimum Coverage Monthly Rate
$66/month🏆
Not specified
Full Coverage Annual Cost
$2,053/year🏆
4.4 out of 5 stars
Our Team Rating
4.5 out of 5 stars
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Last updated: April 25, 2026AI generated
