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Geico vs. Liberty Mutual Review
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.
Comparing Liberty Mutual and Geico
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 2023 U.S. Insurance Shopping Study℠.
Liberty Mutual: Quick Highlights
Here are a few highlights of Liberty Mutual:
- Nationwide availability
- Excellent AM Best and BBB ratings
- Numerous discounts and plans for young drivers
Read more about Liberty Mutual’s services in our Liberty Mutual insurance review.
Geico: Quick Highlights
Here are a few highlights of Geico insurance:
- High policy limits
- Low rates on auto insurance for most drivers
- Highly-rated mobile app
Read more about Geico’s services in our Geico insurance review.
Geico vs. Liberty Mutual: Coverage
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.
| Liberty Mutual | Geico | |
|---|---|---|
| Years in Business | 111 years | 87 years |
| AM Best Financial Strength Rating | A | A++ |
| BBB Rating | A- | A+ |
| J.D. Power Insurance Shopping Score | 865 out of 1,000 | 857 out of 1,000 |
| Our Award | Good Programs for Young Drivers | Best for Budget-Conscious Drivers |
*Certain coverages may not apply in all states.
Geico vs. Liberty Mutual: Usage-Based Auto Insurance
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:
- RightTrack Mobile App: The app tracks driving behaviors and shows you your score.
- RightTrack Plug-in: For those living in New York, Liberty Mutual sends you a device to plug into the OBD port of your car. To view driving scores, you’ll log into the My RightTrack portal after 90 days of driving.
- RightTrack Tag: The tag is shipped to you. You place it on your windshield, behind your rearview mirror and link it with your RightTrack app. You view your score in the app.
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 | Geico DriveEasy | |
|---|---|---|
| Discount | Up to 30% | Varies |
| Device | Plug-in device, tag and mobile app | Mobile app |
| Behaviors Tracked | Total mileage drivenBrakingAccelerationNighttime driving | Hard brakingDistracted drivingCorneringTime of dayDistance drivenWeather |
| Can Premiums Go Up? | No | Yes |
| Availability | ● Alabama ● Arkansas ● Arizona ● Colorado ● Connecticut ● Delaware ● Florida ● Georgia ● Idaho ● Illinois ● Indiana ● Iowa ● Kansas ● Kentucky ● Louisiana Maine Maryland ● Massachusetts ● Michigan ● Minnesota ● Mississippi ● Missouri ● Nebraska ● Nevada ● New Hampshire ● New Jersey ● New Mexico ● New York ● Ohio ● Oklahoma ● Oregon ● Pennsylvania ● Rhode Island ● South Carolina ● Tennessee ● Texas ● Utah Vermont ● Virginia ● Wisconsin ● West Virginia ● Washington, D.C. | ● Alabama ● Arizona ● Arkansas ● Colorado ● Connecticut ● Florida ● Georgia ● Idaho ● Illinois ● Indiana ● Iowa ● Kentucky ● Louisiana ● Maryland ● Michigan ● Minnesota ● Missouri ● Nebraska ● New Jersey ● New Mexico ● Nevada ● North Carolina ● Ohio ● Oklahoma ● Oregon ● Pennsylvania ● South Carolina ● Tennessee ● Texas ● Utah ● Virginia ● Washington ● Wisconsin ● Washington, D.C. |
*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.
Liberty Mutual vs. Geico: Cost
Geico is usually a cheaper option than other top insurance companies, including Liberty Mutual. For full-coverage car insurance, Geico’s average rate is $1,596 per year, which is 38% cheaper than the national average of $2,008 per year. Geico’s average minimum coverage of $461 per year is 36% cheaper than the national average, which is $627 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 $1,807 per year on average, well below the national average for this age group.
| Full Coverage Monthly Average | Full Coverage Annual Average | |
|---|---|---|
| Liberty Mutual | $215 | $2,580 |
| Geico | $118 | $1,420 |
*Cost data for Liberty Mutual is based off 2022 information
Liberty Mutual vs. Geico Discounts
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:
| Liberty Mutual Discounts | Geico Discounts | |
|---|---|---|
| Homeowner | ✓ | |
| Military | ✓ | ✓ |
| Early shopper | ✓ | |
| Good student | ✓ | ✓ |
| Student-away-at-school | ✓ | |
| Claims free | ✓ | |
| Violation free | ✓ | |
| Multi-policy | ✓ | ✓ |
| Multi-car | ✓ | ✓ |
| Preferred payment | ✓ | |
| Online purchase | ✓ | |
| Paperless policy | ✓ | |
| New vehicle | ✓ | |
| Membership and employee | ✓ | |
| Federal employee | ✓ | |
| Emergency deployment | ✓ | |
| Driver’s education course | ✓ | |
| Defensive driving | ✓ | |
| Seat belt use | ✓ | |
| Daytime running lights | ✓ | |
| Anti-theft system | ✓ | |
| Anti-lock brakes | ✓ | |
| Air bag | ✓ |
Geico vs. Liberty Mutual Customer Experience
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 2023 Auto Claims Satisfaction Study℠. Geico and Liberty Mutual come in below the industry average of 878.
| Liberty Mutual | Geico | |
|---|---|---|
| BBB Score | A- | A+ |
| BBB Customer Review Rating | 1.1 out of 5.0 | 1.1 out of 5.0 |
| J.D. Power Auto Claims Satisfaction Study Score | 866 out of 1,000 | 871 out of 1,000 |
Customer Ratings: Google Play and App Store
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 4.6-star rating on Google Play with over 92,000 reviews.
Geico vs. Liberty Mutual: Customer Survey Scores
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.
| Aspect Surveyed | Liberty Mutual Score | Geico Score |
|---|---|---|
| Overall Satisfaction | 4.1 | 4.1 |
| Affordability | 3.8 | 3.7 |
| Coverage Selection | 3.9 | 3.8 |
| Customer Service from Agents | 4 | 4 |
| Claims Service | 4.1 | 4.2 |
*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.
Liberty Mutual vs. Geico: The Bottom Line
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.
| Liberty Mutual | Geico | |
|---|---|---|
| Overall Rating | 9 | 9.1 |
| Reputation | 8.9 | 9.7 |
| Availability | 10 | 10 |
| Coverage | 9.5 | 8.4 |
| Cost | 9 | 9.1 |
| Customer Experience | 8.2 | 8.8 |
Other Recommendations for Car Insurance
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.
USAA: Best for Military Members
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
Travelers: Best for Most Drivers
In our roundup of the best auto insurance providers, Travelers comes in first place. The insurer is one of the largest on the market, andholds anA ratingfrom the Better Business Bureau (BBB) as well as anA++ financial strength rating from AM Best. The company’s average rates are typically26% lowerthan the national average for good drivers.
Keep reading: Travelers insurance review
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Liberty Mutual vs. Geico: FAQ
Liberty Mutual can be cheap because of its savings opportunities and overall market share. The company’s safe driving program RightTrack can help policyholders save up to 30% on their premiums. Liberty Mutual also has many other discounts for military members, homeowners and good students.
Our team found the average quote for 25-year-olds from Geico to be much cheaper at $1,807 per year for full coverage. Liberty Mutual’s average quote was $2,580, however both companies have numerous discounts to help lower your rates.
No, Liberty Mutual and Geico are not the same company. While both companies are major insurance providers, covering cars and houses, Liberty Mutual is separate from Geico. The Government Employees Insurance Company (Geico) is a subsidiary of Berkshire Hathaway, Inc., another major insurance provider.
Liberty Mutual is reliable for paying claims. The company has a strong A+ financial rating from AM best, and ranks 19th in the J.D. Power 2023 Claims Satisfaction Study with a score of 866 out of 1,000.
Geico is so cheap because it sells directly to the consumer. Geico also offers many discounts that help customers save even more on top of its already-low premiums.
Our Methodology
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:
- Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
- Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
- Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
- Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
Our credentials:
- 800 hours researched
- 45 companies reviewed
- 8,500+ consumers surveyed
*Data accurate at time of publication.
If you have questions about this page, please reach out to our editors at editors@marketwatchguides.com.
