Liberty Mutual vs. State Auto Insurance

Which insurance provider is right for you? Compare savings, price, and quotes from Liberty Mutual and State Auto.

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Liberty Mutual vs. State Auto: What You Need to Know

Liberty Mutual Group is a global insurer and the fourth-largest property and casualty insurer in the U.S, ranking 68th on Fortune 100 list of the largest corporations in the U.S. The company has assets of more than $100 billion. Today the group employs over 50,000 people in over 900 locations around the globe, including 45 U.S. states. Liberty Mutual formed on July 1, 1912, as Massachusetts Employees Insurance Association (MEIA) and emerged after state law began to require that employers carry protection for their employees.

In 1921, Robert S. Pein started State Automobile Insurance Company with a borrowed sum of $30,000. Pein wanted to offer an alternative to the high rates other insurers were charging. He also wanted to a better claims settlement process. The company had humble beginnings with a staff of three in a small rented room in downtown Columbus. Pein insisted and his insurance products only be sold through independent agents, a decision that became company policy that is still in effect.

Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit Liberty Mutual Overview and State Auto Overview.

Liberty Mutual vs. State Auto: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Liberty Mutual and State Auto. On average, Liberty Mutual charges approximately $304.13 per month while State Auto comes in at around $203.81 per month. For Liberty Mutual, the cheapest state average is North Carolina at $88.65 per month and the most expensive is Delaware at $852.71 per month. For State Auto, the cheapest state average is North Dakota at $122.87 per month and the most expensive is Texas at $258.06 per month.

Liberty Mutual

Average Rate

$304.13
State Auto

Average Rate

$203.81
National

Average Rate

$117.62
State Liberty Mutual State Auto
Alabama- $164.41
Arkansas $377.87 -
Connecticut $399.66 -
Delaware $852.71 -
Illinois- $203.58
Indiana- $228.89
Iowa $286.50 -
Kentucky- $191.72
Maryland $351.21 $253.07
Massachusetts $243.12 -
Mississippi $466.14 -
Nebraska $306.98 -
Nevada $279.45 -
New Hampshire $205.67 -
New York $412.33 -
North Carolina $88.65 -
North Dakota- $122.87
Ohio $236.13 $148.65
Pennsylvania $321.63 $196.80
Rhode Island $369.16 -
South Carolina- $170.09
Tennessee $237.07 $166.18
Texas- $258.06
Utah- $208.31
Washington $195.12 -
Wisconsin $261.71 $155.66

Liberty Mutual vs. State Auto: Rates by Number of Vehicle

Home

Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Liberty Mutual and State Auto typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Liberty Mutual State Auto
1 Vehicle $290.55 $192.93
2 Vehicles $356.67 $242.01
3 Vehicles $ $414.95

Liberty Mutual vs. State Auto: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Liberty Mutual charges $272.29 per month and State Auto charges $189.62 per month for customers who own their home.

Own/Rent Liberty Mutual State Auto
Own $272.29 $189.62
Rent $319.31 $212.03

What is Liberty Mutual and State Auto Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Liberty Mutual and State Auto ranked among the industry ratings.

ComparisonLiberty MutualState Auto
Year Founded19121921
Market Share5%
A.M. Best RatingaA+
BBB RatingA-A+
Financial StrengthExcellentExcellent
JD Power RankingAbout Average
Moody’s RatingA2
NAIC Complaint Ratio4.55
S&P RatingA

Liberty Mutual or State Auto: Insurance Products Offered

What coverage is available through Liberty Mutual and State Auto? Both insurance companies offer Auto, Commercial, Condo, Home, and Umbrella insurance. Additional products from Liberty Mutual insurance also includes Health, Pet, Renters, and RV insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Liberty Mutual and State Auto Insurance page.

InsuranceLiberty MutualState Auto
Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Health Insurance
Home Insurance
Pet Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Liberty Mutual or State Auto: Ways To Save

State Auto offers a wide range of discounts to its policyholders, including Anti-theft Device, Driver Training, and Good Student discounts. In contrast, Liberty Mutual also offers a few discounts that State Auto doesn’t, including Violation Free, Student-Away-at-School, and Righttrack telematics device discount discounts. Start taking advantage of discounts offered by insurance providers like State Auto and Liberty Mutual insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

Liberty MutualState Auto
Accident Free DiscountAccident Prevention Course
Advanced Safety Features DiscountAnti-theft Device Discount
Alternative Energy DiscountDriver Training
Anti-Theft Device DiscountGood Student Discount
Bundle DiscountsMulti-car Discount
Early Shopper DiscountMulti-policy Discount
Good Student DiscountPaid in Full Discount
Homeowner DiscountState Auto Safety 360
Military DiscountState Auto Start-Up
Multi-Car Discount
Multi-Policy Discount
Online Purchase Discounts
Paperless Policy Discount
Pay-in-Full Discount
Preferred Payment Discount
Righttrack telematics device discount
Student-Away-at-School Discount
Violation Free Discount

Pros & Cons of Liberty Mutual & State Auto

Pros

Liberty Mutual
  • Telematics devices that track driving behaviors can save safe drivers up to30%.
  • Liberty Mutual Deductible Fund, which reduces and eliminates your deductible.
  • Accident forgiveness for your first accident.
  • Lifetime auto repair guarantee at one of 2,000 guaranteed repair network facilities.
  • Original parts replacement ensures that you will only be sold parts made by the manufacturer, not a third party.
State Auto
  • State Auto offers tiers of protection, which simplifies decision-making about coverages based on budget.

Cons

Liberty Mutual
  • Accident forgiveness is not available in CA and NC.
  • New car replacement is not available in NC and WY.
  • No good student discount.
  • No military discount.
  • No rideshare insurance.
State Auto
  • The mobile app is not for most drivers, only those who take part in the Safe Auto telematics program.
  • Car insurance is only available in Alabama, Arizona, Arkansas, Colorado, Connecticut, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, North Carolina, North Dakota, Ohio, Pennsylvania, Rhode Island, South Carolina, SouthDakota, Tennessee, Texas, Utah, Virginia, West Virginia, and Wisconsin.

Liberty Mutual or State Auto Mobile Apps Options

The Liberty Mutual app is available for iOS and Android. This insurance concierge is where you can report accidents or update personal information 24/7.

The State Auto telematics app is available for iOS and Android. The State Auto Safety 360 telematics program was designed to keep you safer on the road. You may even earn up to 50% on auto insurance premiums. You may even save 10% for signing up.

Liberty Mutual Mobile App
iTunes     4.826.6K user reviews
Google Play     4.23.8K user reviews
State Auto Mobile App
iOS     1.817 user reviews
Android     2.325 user reviews

Liberty Mutual & State Auto Contact Info

Liberty Mutual Contact Info
Address175 Berkeley Street, Boston, Massachusetts
Phone1 (888) 398-8924
Websitewww.libertymutual.com
Facebookwww.facebook.com/libertymutual
Twitterwww.twitter.com/libertymutual
Youtubewww.youtube.com/libertymutual
Linkedinwww.linkedin.com/company/liberty-mutual-insurance
State Auto Contact Info
Address518 East Broad Street, Columbus, OH 43215
Phone1 (833) 724-3577
Websitehttps://www.stateauto.com/
Facebookhttps://www.facebook.com/stateauto/
Twitterhttps://twitter.com/StateAuto
Linkedinhttps://www.linkedin.com/company/state-auto-insurance

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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