Which insurance carrier is right for you? Compare pros & cons, rates, and quotes from USAA and Liberty Mutual.
USAA is an organization founded by military members for military members and their families. USAA was founded in the 1920s, during a time of social and political change. In San Antonio, Texas, 25 army officers met to insure each other’s vehicles and named William Garrison as the first president. This tiny group of men would later turn into one of the largest insurance companies, serving millions of members and becoming a fully integrated financial services organization. In 1923, the group expanded membership to include Navy and Marine Corp officers. In the 1930, membership grew despite the financial crisis, called the Great Depression, and several natural disasters that only exasperated an already desperate situation. By 1931 membership doubled from 15,000 to 30,000. The first annual report to members was published in 1932, and it highlighted financial success and commitment to the organization’s members. During World War II, USAA automatically renewed auto insurance policies, making things a little easier for those who were deployed abroad. In 1946, the organization became an industry leader in technology with its new automated office machines. In 1948, membership was opened to Air Force officers after the National Security Act of 1947 created the department. In 1952, USAA opened an office in Frankfurt, Germany, the first office outside of Texas. In 1961, USAA changed its bylaws so that officers no longer lose their membership after resigning from service. In 1962, they opened an office in London, England. In 1969, USAA formed their first disaster response team which is stationed in the Gulf Coast tending to members impacted by Hurricane Camille.In 1973 USAA opened offices in Tampa, Colorado Springs and San Diego and established their headquarters in San Antonio. In 1978, they began offering toll-free phone service to members. In 1983, the USAA Federal Savings Bank opened its doors and in the same year USAA Volunteer Corps was created to help with employee volunteerism in their communities. In 1990, the USAA Educational Foundation was set up to help consumers get free information on financial management, safety concerns and more. In 1991, USAA began offering roadside assistance and travel benefits. In 1991, they made electronic funds transfers available to members and in 1996 they formed the USAA Ethics Office as a commitment to ethical business conduct. In 1996, they began accepting enlisted as members. By 1999, members could conduct business online. In 2001 USAA provided special deployment assistance for the fight on terrorism. In 2006, they began offering ATM reimbursement and allowing members to deposit checks from home. In 2008, USAA expands eligibility requirements to include military retirees as well as the spouses and children of members. In 2009, all men and women who serve in the U.S. military and their families became eligible for membership. That same year, USAA became a sponsor of the Army-Navy Football Game and launched their mobile app. In 2010, USAA opened financial centers throughout the country while partnering with hundreds of UPS stores to service members. In 2011, USAA became the official Military Appreciation Sponsor of the National Football League. In 2016, they were the first bank to offer mobile app check deposit for visually impaired members. By 2017, USAA had 12 million members and a net worth of $31 billion.
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. MEIA provided workers’ compensation insurance to companies, and the first auto policy was sold in 1918. In 1920, the company used a then-new medium of film to teach people about workplace safety. The first Liberty Mutual home office opened its doors in Boston in 1937. In 1946, they created an emergency stop switch for escalators. In 1957 Liberty Mutual and Cornell University partnered to create a “safety car” by crash testing with dummies, something that had never been done before. In 1964, Liberty Mutual began selling life insurance though the Liberty Life Assurance Branch. The first battery-powered prosthetic elbow was created by the company in 1967. As Liberty Mutual grew, it expanded beyond North America by opening its first operation in the UK. In the 1990s, they continued to grow through the acquisition of large commercial and risk carriers. In 2008, Safeco became a part of Liberty Mutual. In 2016 reaffirmed its commitment to innovation by creating Solar Labs.
Below is a list of the average rates that drivers typically pay with USAA and Liberty Mutual. On average, USAA charges approximately $142.06 per month while Liberty Mutual comes in at around $233.08 per month. For USAA, the cheapest state average is Maine at $61.11 per month and the most expensive is New York at $220.23 per month. For Liberty Mutual, the cheapest state average is California at $0.00 per month and the most expensive is District of Columbia at $494.88 per month.
|District of Columbia||$133.72||$494.88|
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that USAA and Liberty Mutual typically charge for drivers who have more than 1 vehicle.
|Number of Vehicles||USAA||Liberty Mutual|
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average USAA charges $144.71 per month and Liberty Mutual charges $210.27 per month for customers who own their home.
Which car insurance company is better? We've made it easy to compare companies side by side. See how USAA and Liberty Mutual ranked among the industry ratings.
|A.M. Best Rating||A|
|JD Power Ranking||Among the best||About Average|
|NAIC Complaint Index||1.01||4.55|
What coverage is available through USAA and Liberty Mutual? Both insurance companies offer Auto, Commercial, Condo, Health, Home, Pet, Renters, RV, and Umbrella Insurance. Additional products from USAA insurance also includes Farm, Life, and Motorcycle Insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit USAA and Liberty Mutual Insurance page.
USAA offers a wide range of discounts to its policyholders, including Automatic Payments, Defensive Driving Course, and Discount for Driving Research (telematics) discounts. Liberty Mutual also offers a few discounts that USAA 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 Liberty Mutual and USAA insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
|Annual Mileage||Accident Free Discount|
|Automatic Payments Discount||Advanced Safety Features Discount|
|Defensive Driving Course Discount||Alternative Energy Discount|
|Discount for Driving Research (telematics)||Anti-Theft Device Discount|
|Driver Training Course Discount||Bundle Discounts|
|Family Discount||Early Shopper Discount|
|Good Student Discount||Good Student Discount|
|Military Installation||Homeowner Discount|
|Multi-policy Discount||Military Discount|
|New Vehicle Discount||Multi-Car Discount|
|Premier Driver Discount||Multi-Policy Discount|
|Online Purchase Discounts|
|Paperless Policy Discount|
|Preferred Payment Discount|
|Righttrack telematics device discount|
|Violation Free Discount|
The USAA Mobile app is available for iOS and android. It gives users convenient and secure access to their accounts to manage finances, investments, insurance and more. 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.
|USAA Mobile App|
|iOS||4.8||432K user reviews|
|Android||4.6||125K user reviews|
|Liberty Mutual Mobile App|
|iTunes||4.8||26.6K user reviews|
|Google Play||4.2||3.8K user reviews|
|USAA Contact Info|
|Address||9800 Fredericksburg Rd., San Antonio, TX 78288|
|Liberty Mutual Contact Info|
|Address||175 Berkeley Street, Boston, Massachusetts|
|Phone||1 (888) 398-8924|
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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