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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 $254.19 per month while State Auto comes in at around $200.72 per month. For Liberty Mutual, the cheapest state average is California at $0.00 per month and the most expensive is Nevada at $503.34 per month. For State Auto, the cheapest state average is Pennsylvania at $165.12 per month and the most expensive is Indiana at $282.83 per month.
Average Rate
Average Rate
Average Rate
| State | Liberty Mutual | State Auto |
|---|---|---|
| Alabama | $258.09 | - |
| Arizona | $331.65 | - |
| California | $0.00 | - |
| Connecticut | $81.31 | - |
| Florida | $163.02 | - |
| Illinois | - | $236.15 |
| Indiana | $197.89 | $282.83 |
| Kentucky | $226.69 | $211.22 |
| Maine | $159.92 | - |
| Michigan | $317.67 | - |
| Minnesota | $150.88 | - |
| Missouri | $189.62 | - |
| Nevada | $503.34 | - |
| New Hampshire | $182.13 | - |
| New Mexico | $229.00 | - |
| New York | $285.02 | - |
| North Carolina | $224.59 | - |
| Ohio | $121.80 | - |
| Oklahoma | $287.78 | - |
| Pennsylvania | $209.86 | $165.12 |
| South Carolina | $221.46 | $180.85 |
| Tennessee | $210.54 | - |
| Texas | $261.70 | $276.12 |
| Utah | $172.28 | $196.00 |
| Virginia | $212.29 | - |
| Washington | $173.56 | - |
| West Virginia | $209.94 | - |
| Wisconsin | $202.32 | $253.72 |
Liberty Mutual vs. State Auto: Rates by Number of Vehicle
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 | $235.56 | $191.86 |
| 2 Vehicles | $288.39 | $260.79 |
| 3 Vehicles | $389.21 | $ |
Liberty Mutual vs. State Auto: Rates by Homeownership
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Liberty Mutual charges $230.27 per month and State Auto charges $205.20 per month for customers who own their home.
| Own/Rent | Liberty Mutual | State Auto |
|---|---|---|
| Own | $230.27 | $205.20 |
| Rent | $264.83 | $199.12 |
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.
| Comparison | Liberty Mutual | State Auto |
|---|---|---|
| Year Founded | 1912 | 1921 |
| Market Share | 5% | |
| A.M. Best Rating | a | A+ |
| BBB Rating | A- | A+ |
| Financial Strength | Excellent | Excellent |
| JD Power Ranking | About Average | |
| Moody’s Rating | A2 | |
| NAIC Complaint Ratio | 4.55 | |
| S&P Rating | A |
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.
| Insurance | Liberty Mutual | State 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 Mutual | State Auto |
|---|---|
| Accident Free Discount | Accident Prevention Course |
| Advanced Safety Features Discount | Anti-theft Device Discount |
| Alternative Energy Discount | Driver Training |
| Anti-Theft Device Discount | Good Student Discount |
| Bundle Discounts | Multi-car Discount |
| Early Shopper Discount | Multi-policy Discount |
| Good Student Discount | Paid in Full Discount |
| Homeowner Discount | State Auto Safety 360 |
| Military Discount | State 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
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 | 4.8 | 26.6K user reviews |
| Google Play | 4.2 | 3.8K user reviews |
| State Auto Mobile App | ||
|---|---|---|
| iOS | 1.8 | 17 user reviews |
| Android | 2.3 | 25 user reviews |
Liberty Mutual & State Auto Contact Info
| Liberty Mutual Contact Info | |
|---|---|
| Address | 175 Berkeley Street, Boston, Massachusetts |
| Phone | 1 (888) 398-8924 |
| Website | https://www.libertymutual.com |
| https://www.facebook.com/libertymutual | |
| https://www.twitter.com/libertymutual | |
| Youtube | https://www.youtube.com/libertymutual |
| https://www.linkedin.com/company/liberty-mutual-insurance | |
| State Auto Contact Info | |
|---|---|
| Address | 518 East Broad Street, Columbus, OH 43215 |
| Phone | 1 (833) 724-3577 |
| Website | https://www.stateauto.com/ |
| https://www.facebook.com/stateauto/ | |
| https://twitter.com/StateAuto | |
| https://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.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
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