USAA vs. Liberty Mutual Insurance

Which insurance carrier is right for you? Compare pros & cons, rates, and quotes from USAA and Liberty Mutual.

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USAA vs. Liberty Mutual: What You Need to Know

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 average rates, rankings, products and discounts for the two companies. For full company overviews, you can visit USAA Overview and Liberty Mutual Overview.

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

Below is a list of the average rates that drivers typically pay with USAA and Liberty Mutual. On average, USAA charges approximately $121.31 per month while Liberty Mutual comes in at around $313.25 per month. For USAA, the cheapest state average is Maine at $54.03 per month and the most expensive is New York at $203.08 per month. For Liberty Mutual, the cheapest state average is North Carolina at $90.18 per month and the most expensive is Delaware at $864.88 per month.

USAA

Average Rate

$121.31
Liberty Mutual

Average Rate

$313.25
National

Average Rate

$120.03
State USAA Liberty Mutual
Alabama $107.57 -
Alaska $90.06 -
Arizona $108.12 -
Arkansas $75.60 $360.40
California $162.35 -
Colorado $99.51 -
Connecticut $117.47 $401.80
Delaware $74.60 $864.88
District of Columbia $83.08 -
Georgia $123.95 -
Hawaii $85.50 -
Idaho $56.88 -
Illinois $113.26 -
Indiana $65.55 -
Iowa $71.58 $286.56
Kansas $88.49 -
Kentucky $101.58 -
Louisiana $157.09 -
Maine $54.03 -
Maryland $135.91 $368.58
Massachusetts $118.68 $246.79
Michigan $131.32 -
Minnesota $100.05 -
Mississippi $81.10 $481.31
Missouri $68.82 -
Montana $78.61 -
Nebraska $88.28 $296.41
Nevada $130.02 $276.14
New Hampshire- $226.70
New Mexico $90.30 -
New York $203.08 $420.74
North Carolina- $90.18
North Dakota $62.55 -
Ohio $66.86 $235.48
Oklahoma $111.77 -
Oregon $81.78 -
Pennsylvania $93.55 $326.84
Rhode Island $123.62 $373.83
South Carolina $100.15 -
Tennessee $84.53 $243.32
Texas $122.68 -
Utah $81.80 -
Virginia $87.97 -
Washington $80.19 $194.31
Wisconsin $59.57 $268.70
Wyoming $100.67 -

USAA vs. Liberty Mutual: 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 USAA and Liberty Mutual typically charge for drivers who have more than 1 vehicle.

Number of Vehicles USAA Liberty Mutual
1 Vehicle $111.36 $298.49
2 Vehicles $159.11 $370.42
3 Vehicles $225.52 $
4 Vehicles $268.37 $

USAA vs. Liberty Mutual: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average USAA charges $118.97 per month and Liberty Mutual charges $281.77 per month for customers who own their home.

Own/Rent USAA Liberty Mutual
Own $118.97 $281.77
Rent $122.30 $326.96

What is USAA and Liberty Mutual Insurance Rating?

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.

Comparison USAA Liberty Mutual
Year Founded 1922 1912
A.M. Best A++
A.M. Best Rating A
BBB Rating B- A-
Financial Strength Excellent Excellent
JD Power Ranking Among the best About Average
Moody’s Rating A2
NAIC Complaint Index 1.01 4.55
S&P Rating AA+ A

USAA or Liberty Mutual: Insurance Products Offered

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.

Insurance USAA Liberty Mutual
Commercial Insurance
Condo Insurance
Farm Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Pet Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

USAA or Liberty Mutual: Ways To Save

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.

USAALiberty Mutual
Annual MileageAccident Free Discount
Automatic Payments DiscountAdvanced Safety Features Discount
Defensive Driving Course DiscountAlternative Energy Discount
Discount for Driving Research (telematics)Anti-Theft Device Discount
Driver Training Course DiscountBundle Discounts
Family DiscountEarly Shopper Discount
Good Student DiscountGood Student Discount
Military InstallationHomeowner Discount
Multi-policy DiscountMilitary Discount
New Vehicle DiscountMulti-Car Discount
Premier Driver DiscountMulti-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 USAA & Liberty Mutual

Pros

USAA
  • USAA offers financial literacy classes to its members as well as retirement planning.
  • The USAA app is easy to use and very helpful for managing your account.
Liberty Mutual
  • Telematics devices that track driving behaviors can save safe drivers up to 30%.
  • 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.

Cons

USAA
  • USAA mainly offers coverage to military members and their families.
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.

USAA or Liberty Mutual Mobile Apps Options

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     4.8432K user reviews
Android     4.6125K user reviews
Liberty Mutual Mobile App
iTunes     4.826.6K user reviews
Google Play     4.23.8K user reviews

USAA & Liberty Mutual Contact Info

USAA Contact Info
Address 9800 Fredericksburg Rd., San Antonio, TX 78288
Phone 1-800-531-8722
Website https://www.usaa.com/
Facebook https://www.facebook.com/USAA/
Twitter https://twitter.com/USAA
Youtube https://www.youtube.com/channel
Linkedin https://www.linkedin.com/company/usaa/
Liberty Mutual Contact Info
Address 175 Berkeley Street, Boston, Massachusetts
Phone 1 (888) 398-8924
Website www.libertymutual.com
Facebook www.facebook.com/libertymutual
Twitter www.twitter.com/libertymutual
Youtube www.youtube.com/libertymutual
Linkedin www.linkedin.com/company/liberty-mutual-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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