Auto Insurance · Head-to-head
Liberty Mutual vs Farmers: Which auto insurance wins?
Side-by-side comparison of Liberty Mutual and Farmers auto insurance — average premiums, coverage strength, claims & support, and editorial verdict.
Liberty Mutual
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.
Farmers
New Car Replacement coverage (free for the first 24,000 miles or 2 model years) is unique among the top-10 carriers — if you total a new car, Farmers buys you a brand-new replacement, not just depreciated value. Premiums run 30-40% above GEICO so this is a niche pick for new-car buyers.
In plain English
Liberty Mutual runs $60 less per year on average for full coverage ($1,860 vs $1,920/yr). Farmers can still be the better fit when new car replacement matter more — see the verdicts below.
Side-by-side breakdown
| Feature | Liberty Mutual | Farmers |
|---|---|---|
| Avg full-coverage premium | $1,860/yr | $1,920/yr |
| Avg liability-only premium | $668/yr | $690/yr |
| A.M. Best financial strength | — | — |
| Best for | custom coverage · rideshare | new car replacement · agent service |
| Overall rating | 4.1/5 | 4.1/5 |
| Price & savings score (40%) | 3.9 | 3.9 |
| Coverage strength score (25%) | 4.5 | 4.3 |
| Quote & buy experience (20%) | 4.1 | 4.0 |
| Claims & support score (15%) | 4.0 | 4.2 |
Avg full-coverage premium
Liberty Mutual
$1,860/yr
Farmers
$1,920/yr
Avg liability-only premium
Liberty Mutual
$668/yr
Farmers
$690/yr
A.M. Best financial strength
Liberty Mutual
—
Farmers
—
Best for
Liberty Mutual
custom coverage · rideshare
Farmers
new car replacement · agent service
Overall rating
Liberty Mutual
4.1/5
Farmers
4.1/5
Price & savings score (40%)
Liberty Mutual
3.9
Farmers
3.9
Coverage strength score (25%)
Liberty Mutual
4.5
Farmers
4.3
Quote & buy experience (20%)
Liberty Mutual
4.1
Farmers
4.0
Claims & support score (15%)
Liberty Mutual
4.0
Farmers
4.2
Editor verdicts
Why we rate Liberty Mutual 4.1/5
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.
Read the full Liberty Mutual reviewWhy we rate Farmers 4.1/5
New Car Replacement coverage (free for the first 24,000 miles or 2 model years) is unique among the top-10 carriers — if you total a new car, Farmers buys you a brand-new replacement, not just depreciated value. Premiums run 30-40% above GEICO so this is a niche pick for new-car buyers.
Read the full Farmers reviewWho should pick which?
Pick Liberty Mutual if…
- You want the lowest annual premium — Liberty Mutual averages $1,860/yr for full coverage, $60 less than Farmers.
- You want a smooth quote-and-buy flow with minimal phone follow-up.
- Your driver profile leans custom coverage — Liberty Mutual's underwriting is best-in-class there.
Pick Farmers if…
- You value claims responsiveness — Farmers scores higher on claims & support.
- Your driver profile leans new car replacement — Farmers's underwriting is best-in-class there.