Should I switch from Allstate to Liberty Mutual to save money?

Run the quote, but the math is closer than most carrier comparisons. The 12% premium gap ($248/year on average) is partially offset by Allstate's free accident-forgiveness benefit at 5+ years tenure (~$80-$120/year value). If you're under 3 years tenure at Allstate or have never used the forgiveness benefit, Liberty Mutual usually wins the math. If you've been at Allstate 5+ years with active forgiveness, Allstate is often cheaper net of the rider cost.

Which has better claims service?

Allstate, by a meaningful margin. J.D. Power 2024 ranked Allstate #7 in auto claims satisfaction (881 / 1000); Liberty Mutual ranked #18 (855). NAIC complaint index: Allstate 0.8, Liberty Mutual 1.1. Both resolve routine claims in similar 10-14 day windows; Allstate's edge is in disputed claims and total-loss settlements where its local-adjuster network typically negotiates higher payouts.

Are bundling discounts better at Allstate or Liberty Mutual?

Allstate, in most scenarios. Allstate's home + auto bundle averages 22-25% off auto and 5-10% off home. Liberty Mutual's bundle averages 15% off auto and 5-8% off home. On a $2,000 home + $1,800 auto combo, Allstate saves about $200/year more than Liberty Mutual on the bundle, partially offsetting Allstate's higher base auto rate.

Auto Insurance · Head-to-head

Allstate vs Liberty Mutual: Which auto insurance wins?

Name: Allstate — Auto Insurance
Brand: Allstate
Rating: 4.1 (1 reviews)

Side-by-side comparison of Allstate and Liberty Mutual auto insurance — average premiums, coverage strength, claims & support, and editorial verdict.

Best for accident forgiveness

Allstate

4.1·$2,108/yr full

Premiums run 30-50% above the GEICO baseline for clean-record drivers — Allstate competes on coverage extras, not price. The Drivewise telematics program offers 10-25% off, and the Accident Forgiveness rider is genuinely first-accident-free (unlike Progressive's which expires after 3 years). Best for drivers who've had a claim in the last 36 months.

Best for custom coverage

Liberty Mutual

4.1·$1,860/yr full

Highest number of optional riders in the category — Better Car Replacement (12-month upgrade), Original Parts Replacement (OEM-only on repairs), Deductible Fund (savings account that grows your deductible). Customization is unmatched but premiums run 25-40% above GEICO for clean records.

Editor's verdict

Liberty Mutual is cheaper; Allstate wins on claims + accident forgiveness.

Liberty Mutual's $1,860/year average is $248 cheaper than Allstate's $2,108 — a 12% gap that's smaller than most top-5 comparisons. Allstate's premium buys you a higher J.D. Power claims rank (#7 vs. Liberty Mutual's #18), free accident forgiveness after 5 years (Liberty Mutual charges for it indefinitely), and a stronger umbrella product. Verdict: cost-sensitive shoppers → Liberty Mutual. Drivers prioritizing claims experience or long-tenure accident forgiveness → Allstate.

Liberty Mutual is $248/year cheaper on average (Quadrant 2024).
Allstate ranks #7 on J.D. Power claims; Liberty Mutual ranks #18.
Allstate is AM Best A+; Liberty Mutual is A — small edge to Allstate.
Allstate's accident forgiveness is free at 5 years; Liberty Mutual charges $60-$100/year indefinitely.
Liberty Mutual's telematics (RightTrack) is a single 90-day window; Allstate's Drivewise is continuous.

Side-by-side breakdown

Feature	Allstate	Liberty Mutual
Avg full-coverage premium	$2,108/yr	$1,860/yr
Avg liability-only premium	$735/yr	$668/yr
A.M. Best financial strength	—	—
Best for	accident forgiveness · agent service	custom coverage · rideshare
Overall rating	4.1/5	4.1/5
Price & savings score (40%)	3.8	3.9
Coverage strength score (25%)	4.4	4.5
Quote & buy experience (20%)	4.2	4.1
Claims & support score (15%)	4.3	4.0

Avg full-coverage premium

Allstate

$2,108/yr

Liberty Mutual

$1,860/yr

Avg liability-only premium

Allstate

$735/yr

Liberty Mutual

$668/yr

A.M. Best financial strength

Allstate

—

Liberty Mutual

—

Best for

Allstate

accident forgiveness · agent service

Liberty Mutual

custom coverage · rideshare

Overall rating

Allstate

4.1/5

Liberty Mutual

4.1/5

Price & savings score (40%)

Allstate

3.8

Liberty Mutual

3.9

Coverage strength score (25%)

Allstate

4.4

Liberty Mutual

4.5

Quote & buy experience (20%)

Allstate

4.2

Liberty Mutual

4.1

Claims & support score (15%)

Allstate

4.3

Liberty Mutual

4.0

Editor verdicts

Why we rate Allstate 4.1/5

Read the full Allstate review

Why we rate Liberty Mutual 4.1/5

Read the full Liberty Mutual review

Who should pick which?

Pick Allstate if…

You value claims responsiveness — Allstate scores higher on claims & support.
You want a smooth quote-and-buy flow with minimal phone follow-up.
Your driver profile leans accident forgiveness — Allstate's underwriting is best-in-class there.

Pick Liberty Mutual if…

You want the lowest annual premium — Liberty Mutual averages $1,860/yr for full coverage, $248 less than Allstate.
Your driver profile leans custom coverage — Liberty Mutual's underwriting is best-in-class there.
You want broader coverage options and add-on flexibility (gap, rideshare, accident forgiveness).

Frequently asked questions

Answers to the most-searched questions about Allstate vs Liberty Mutual.

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