Liberty Mutual vs. USAA Car Insurance: Expert Recommended (2023)
Our Liberty Mutual vs. USAA car insurance guide will help you decide between two great companies when looking at rates. Liberty Mutual car insurance is a better choice for drivers with good credit or want an established company. USAA is a better choice for active, retired, or reserve military members and their families looking for customer satisfaction.
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...
Farmers CSR for 4 Years
UPDATED: Jun 17, 2022
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UPDATED: Jun 17, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- USAA and Liberty Mutual are among the country’s top insurance companies and provide insurance in every state
- USAA and Liberty Mutual insure many types of vehicles, homes, properties, and more
- Liberty Mutual provides more opportunities for discounts than USAA
- USAA does not insure civilians. Their insurance is open to current, retired, and reserved US Armed Forces and their families
It’s always good to compare the insurance companies when looking for insurance rates. Liberty Mutual and USAA are known for being top-rated companies in the industry. So when it comes to the debate on who can protect your vehicle the best, Liberty Mutual vs. USAA, which is the right company for you?
Liberty Mutual is the highest rated car insurance company, but the best insurance company will be different for customers based on circumstances and need. Even if you get the most savings from one company, if they’re not providing you with the insurance policy you need, it’s not going to matter. You should always consider comparing the best car insurance companies to find the best fit for you.
You can get free quotes from Liberty Mutual and USAA today when you enter your ZIP code into our comparison tool.
What is Liberty Mutual?
Liberty Mutual Insurance is the sixth-largest global property and casualty insurers. They currently employ over 50,000 people in over 900 locations around the world, including 45 US states.
| Liberty Mutual Overview | Details |
|---|---|
| Year Founded | 1912 |
| Current Executives | David H. Long - Chairman, President, and CEO |
| Number of Employees | 50,000 |
| Total Assets (2017) | $142,502 million |
| HQ Address | 175 Berkeley Street Boston, MA 02116 |
| Phone Number | 1-800-290-8206 |
| Company Website | https://www.libertymutual.com |
| Premiums Written (Auto, 2017) | $11,585,976 |
| Loss Ratio | 67.16% |
| Best For | Drivers with good credit, those that prefer a large, financially stable company |
They formed on July 1, 1912, as Massachusetts Employees Insurance Association (MEIA) with worker’s compensation insurance to companies. The first auto policy sold in 1918. Then Liberty Mutual continued to expand and innovate its offers.
Liberty Mutual Insurance is well established in multiple types of insurances. Liberty Mutual covers cars, motorcycles, boats, off-road vehicles, homes, renters, landlords, flood, life, identity theft, pets, and more.
If you ever need to file a claim, it only takes 5-10 minutes and basic details to get started.
Liberty Mutual customer service is available with your online account 24 hours a day, seven days a week, 365 days a year. Head to the Liberty Mutual login page to view your policy, make changes, and get help when you need it.
Liberty Mutual has a mobile app for fast access to ID cards, pay bills, file and manage claims, view policy documents, update information, and see policy and coverage details. The app is available on Apple and Android devices.
If you ever need to contact a Liberty Mutual customer service representative then you can text your question at any time to 80361, Tweet @AskLiberty, send a message on Facebook, or call the Liberty Mutual phone number at 1-888-665-2145.
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What are the financial strength and customer service ratings for Liberty Mutual?
How do rating companies rank Liberty Mutual?
| Ratings Agency | Liberty Mutual Ratings |
|---|---|
| A.M. Best | A |
| Better Business Bureau | A- |
| Moody's | A2 |
| S&P | A |
| NAIC Complaint Index | 6.27 |
| JD Power | Claims Satisfaction 2/5 Shopping Study 3/5 |
| Consumer Reports | 88 |
| Consumer Affairs | 2 stars/328 reviews |
This is a good, objective way to determine how good an insurer is. By looking at their rates you can see into how they operate. Are they business oriented or do they put their customers first? It’s easy to see based off their rates vs. other rates on the market.
How much are Liberty Mutual’s car insurance rates?
The average car insurance rate varies by location, personal history, and other factors. Your needs are going to differ from your neighbor’s even if you’re the same age and live in the same area. It depends on what each person wants out of their auto insurance policy.
You may want comprehensive coverage and roadside assistance, but your neighbor may not want all of that included in their policy. Everyone on the road has to follow the state mandated minimum requirements, but there are various, optional coverage options that people can choose from.
Liberty Mutual Average Monthly Rates by State Compared to Average
| State | Average Monthly Rates | $ Higher/Lower Than State Average | % Higher/Lower Than State Average |
|---|---|---|---|
| Alabama | $333.79 | $36.54 | 0.91% |
| Alaska | $441.30 | $156.17 | 2.95% |
| California | $252.87 | -$54.54 | -1.80% |
| Colorado | $233.15 | -$89.89 | -3.21% |
| Connecticut | $606.91 | $222.00 | 3.05% |
| Delaware | $1,530.00 | $1,031.14 | 5.62% |
| Florida | $447.35 | $57.31 | 1.07% |
| Georgia | $837.79 | $423.88 | 4.22% |
| Hawaii | $265.80 | $52.83 | 1.66% |
| Idaho | $191.79 | -$56.47 | -2.45% |
| Illinois | $189.80 | -$85.65 | -3.76% |
| Indiana | $481.78 | $197.20 | 3.41% |
| Iowa | $367.94 | $119.50 | 2.71% |
| Kansas | $398.70 | $125.40 | 2.62% |
| Kentucky | $494.25 | $61.30 | 1.03% |
| Maine | $360.95 | $114.84 | 2.65% |
| Maryland | $774.80 | $392.90 | 4.23% |
| Massachusetts | $361.61 | $138.38 | 3.19% |
| Michigan | $1,666.67 | $791.78 | 3.96% |
| Minnesota | $1,130.30 | $763.36 | 5.63% |
| Mississippi | $371.33 | $65.95 | 1.48% |
| Missouri | $376.56 | $99.15 | 2.19% |
| Montana | $110.51 | -$157.89 | -11.91% |
| Nebraska | $520.13 | $246.49 | 3.95% |
| Nevada | $516.80 | $111.65 | 1.80% |
| New Hampshire | $703.70 | $441.05 | 5.22% |
| New Jersey | $563.89 | $104.28 | 1.54% |
| New York | $545.06 | $187.57 | 2.87% |
| North Carolina | $181.89 | -$100.87 | -4.62% |
| North Dakota | $1,071.07 | $723.92 | 5.63% |
| Ohio | $369.15 | $143.34 | 3.24% |
| Oklahoma | $572.89 | $227.69 | 3.31% |
| Oregon | $361.21 | $72.23 | 1.67% |
| Pennsylvania | $504.60 | $168.39 | 2.78% |
| Rhode Island | $515.34 | $98.40 | 1.59% |
| South Dakota | $626.33 | $294.48 | 3.92% |
| Tennessee | $517.22 | $212.15 | 3.42% |
| Utah | $360.65 | $59.66 | 1.38% |
| Vermont | $301.76 | $32.25 | 0.89% |
| Washington | $332.89 | $77.95 | 1.95% |
| West Virginia | $243.70 | $27.42 | 0.94% |
| Wisconsin | $563.24 | $262.73 | 3.89% |
| Wyoming | $165.78 | -$100.89 | -5.07% |
Some states, like Montana and Wyoming, have more affordable rates than the state averages. Other states, like Delaware and Michigan, see higher rates than the state averages.
Liberty Mutual Rates by Credit Score
Your credit score can also affect your car insurance rates. The better your credit score, the more you’ll have access to competitive rates. Take a look at the table below to see some examples.
| Credit History | Liberty Mutual Average Monthly Rates |
|---|---|
| Poor | $733.51 |
| Fair | $467.02 |
| Good | $365.68 |
Your rates can increase if your credit isn’t the best, but there are ways that you can work on getting your score up, and when you do your rates will start to go back down.
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Liberty Mutual Rates by Driving Record
Your driving record is one of the biggest factors in determining your rates. Drivers that sport clean driving records often see lower insurance premiums, because companies view them as less of a risk to insure. However, this shouldn’t deter you from trying to find affordable coverage. There are plenty of discounts offered for things such as defensive driving courses and having a car with plenty of safety features.
| Driving Record | Liberty Mutual Average Monthly Rates |
|---|---|
| Clean Record | $397.85 |
| One Speeding Ticket | $475.10 |
| One Accident | $517.06 |
| One DUI | $634.45 |
You can see your rates double with one DUI. This is why companies prefer clean driving records. Drivers with DUIs and other infractions can be high-risk on the road.
What car insurance discounts are available through Liberty Mutual?
Liberty Mutual Insurance provides discounts on car insurance if you’re a homeowner; an active, retired, or reserved in the US military; obtain a quote before your current insurance expires; maintain a GPA of B or better; or if your child is away at school without your car.
Your car can also qualify for additional discounts if it has advanced safety features, uses alternative energy, or is equipped with anti-theft technology. If you remain accident and violation-free, Liberty Mutual rewards you with discounts.
You may also enroll in the RightTrack program for an initial discount for participation and a final discount of up to 30 percent with good driving behavior.
Finally, your policy qualifies for additional discounts with multiple policies and multiple cars. Discounts are applied when you enroll in automatic payment and paperless billing, if you pay in full, and when policies are purchased online.
What is USAA insurance?
United Services Automobile Association (USAA) serves the current and former military community along with their spouses and children. They currently employ over 35,000 people in 12 locations around the world, including seven US states.
| Key Info | Provider Specifics |
|---|---|
| Year Founded | 1922 |
| Current Executives | Chairman - General Lester Lyles, USAF (Ret.) CEO - Capt Stuart Parker, USAF (Ret.) |
| Number of Employees | 32,896 |
| Net Income (2017) Total Assets | $2.422 billion $155.391 billion |
| Headquarters Address | 9800 Fredericksburg Rd. San Antonio, TX 78288 |
| Phone Number | 1 (800) 531-8722 |
| Website | USAA.com |
| Private Passenger Auto Premiums Written (2017) | $13,154,939,000 |
| Loss Ratio (2017) | 79.60% |
| Best For | Customer Satisfaction Low Rates |
In 1922, 25 Army officers decided to insure each other’s vehicles. Today, USAA is a diversified financial services group of companies providing insurance, investments, and banking products.
Membership is open to current US military, veterans who have honorably served, and their eligible family members. Even if you’re not eligible for USAA membership, there’s access to some products through their associations with other leading companies.
USAA provides insurance on cars, motorcycles, boats, renters, home, flood, life, and more. If you ever need to file a claim, you can use their website to file in just a few clicks.
USAA customer service is available any time via an automated chat interface on their website. Head to the USAA login page to access insurance and banking information as well as personalized advice and shopping discounts for USAA members.
USAA has a mobile app for fast access to manage insurance, banking, and more from Apple or Android devices. The in-app assistant can provide guidance or get you in touch with a USAA representative.
If you ever need to contact a customer service representative, you can call the main USAA phone number at 800-531-8722.
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What are the financial strength and customer service ratings for USAA?
Check out USAA’s financial strength and customer service ratings.
| Agency | Ratings |
|---|---|
| AM Best | A++ |
| Better Business Bureau (San Antonio Headquarters) | B- |
| Moody's | Aaa |
| S&P | AA+ |
| NAIC Complaint Index (2017) | 0.75 (below the national average of 1.0) |
| JD Power | 5 out of 5 stars for overall claims satisfaction |
| Consumer Reports | 95 out of 100 |
| Consumer Affairs | 1 1/2 out of 5 stars based on 266 ratings |
Companies like J.D. Power and A.M. Best are highly respected in the insurance industry.
What are the average car insurance rates with USAA?
Car insurance rates are lower than the state average in all 50 states, as you can see below.
| State | Average Annual Rates | USAA Average Annual Rates | $ Higher/ Lower Than State Average | % Higher/ Lower Than State Average |
|---|---|---|---|---|
| Alabama | $3,566.96 | $2,124.09 | -$1,442.87 | -40.45% |
| Alaska | $3,421.51 | $2,454.21 | -$967.30 | -28.27% |
| Arizona | $3,770.97 | $3,084.29 | -$686.68 | -18.21% |
| Arkansas | $4,124.98 | $2,171.06 | -$1,953.92 | -47.37% |
| California | $3,688.93 | $2,693.87 | -$995.06 | -26.97% |
| Colorado | $3,876.39 | $3,338.87 | -$537.52 | -13.87% |
| Connecticut | $4,618.92 | $3,190.00 | -$1,428.92 | -30.94% |
| Delaware | $5,986.32 | $2,325.98 | -$3,660.34 | -61.15% |
| District of Columbia | $4,439.24 | $2,580.44 | -$1,858.80 | -41.87% |
| Florida | $4,680.46 | $2,850.41 | -$1,830.05 | -39.10% |
| Georgia | $4,966.83 | $3,157.46 | -$1,809.37 | -36.43% |
| Hawaii | $2,555.64 | $1,189.35 | -$1,366.29 | -53.46% |
| Idaho | $2,979.09 | $1,877.61 | -$1,101.48 | -36.97% |
| Illinois | $3,305.48 | $2,770.21 | -$535.27 | -16.19% |
| Indiana | $3,414.97 | $1,630.86 | -$1,784.11 | -52.24% |
| Iowa | $2,981.28 | $1,852.57 | -$1,128.71 | -37.86% |
| Kansas | $3,279.62 | $2,382.61 | -$897.01 | -27.35% |
| Kentucky | $5,195.40 | $2,897.89 | -$2,297.51 | -44.22% |
| Louisiana | $5,711.34 | $4,353.12 | -$1,358.22 | -23.78% |
| Maine | $2,953.28 | $1,930.79 | -$1,022.49 | -34.62% |
| Maryland | $4,582.70 | $2,744.14 | -$1,838.56 | -40.12% |
| Massachusetts | $2,678.85 | $1,458.99 | -$1,219.86 | -45.54% |
| Michigan | $10,498.64 | $3,620.00 | -$6,878.64 | -65.52% |
| Minnesota | $4,403.25 | $2,861.60 | -$1,541.65 | -35.01% |
| Mississippi | $3,664.57 | $2,056.13 | -$1,608.44 | -43.89% |
| Missouri | $3,328.93 | $2,525.78 | -$803.15 | -24.13% |
| Montana | $3,220.84 | $2,031.89 | -$1,188.95 | -36.91% |
| Nebraska | $3,283.68 | $2,330.78 | -$952.90 | -29.02% |
| Nevada | $4,861.70 | $3,069.07 | -$1,792.63 | -36.87% |
| New Hampshire | $3,151.77 | $1,906.96 | -$1,244.81 | -39.50% |
| New Mexico | $3,463.64 | $2,296.77 | -$1,166.87 | -33.69% |
| New York | $4,289.88 | $3,761.69 | -$528.19 | -12.31% |
| North Dakota | $4,165.84 | $2,006.80 | -$2,159.04 | -51.83% |
| Ohio | $2,709.71 | $1,478.46 | -$1,231.25 | -45.44% |
| Oklahoma | $4,142.33 | $3,174.15 | -$968.18 | -23.37% |
| Oregon | $3,467.77 | $2,587.15 | -$880.62 | -25.39% |
| Pennsylvania | $4,034.50 | $1,793.37 | -$2,241.13 | -55.55% |
| Rhode Island | $5,003.36 | $4,323.98 | -$679.38 | -13.58% |
| South Carolina | $3,781.14 | $3,424.77 | -$356.37 | -9.42% |
| Tennessee | $3,660.89 | $2,739.28 | -$921.61 | -25.17% |
| Texas | $4,043.28 | $2,487.89 | -$1,555.39 | -38.47% |
| Utah | $3,611.89 | $2,491.10 | -$1,120.79 | -31.03% |
| Vermont | $3,234.13 | $1,903.55 | -$1,330.58 | -41.14% |
| Virginia | $2,357.87 | $1,858.38 | -$499.49 | -21.18% |
| Washington | $3,059.32 | $2,262.16 | -$797.16 | -26.06% |
| West Virginia | $2,595.36 | $1,984.62 | -$610.74 | -23.53% |
| Wisconsin | $3,606.06 | $2,975.74 | -$630.32 | -17.48% |
| Wyoming | $3,200.08 | $2,779.53 | -$420.55 | -13.14% |
However, the average rates still vary by location, personal history, and other factors.
USAA Rates by Credit History
As mentioned above, your credit history will determine what you pay. Check out USAA rates by credit history.
| State | Good Credit Average Annual Rates | Fair Credit Average Annual Rates | Poor Credit Average Annual Rates |
|---|---|---|---|
| AK | $1,832.10 | $2,189.01 | $3,341.50 |
| AL | $1,659.50 | $1,858.49 | $2,854.28 |
| AR | $1,673.63 | $1,963.67 | $2,875.86 |
| AZ | $2,358.75 | $2,834.88 | $4,059.25 |
| CA | $2,693.87 | $2,693.87 | $2,693.87 |
| CO | $2,256.64 | $2,816.63 | $4,943.34 |
| CT | $2,505.79 | $2,847.51 | $4,216.70 |
| DC | $1,709.33 | $2,164.52 | $3,867.47 |
| DE | $1,327.18 | $1,841.00 | $3,809.76 |
| FL | $1,645.31 | $2,266.46 | $4,639.45 |
| GA | $2,469.31 | $2,892.23 | $4,110.85 |
| HI | $1,189.35 | $1,189.35 | $1,189.35 |
| IA | $1,449.24 | $1,673.25 | $2,435.22 |
| ID | $1,288.66 | $1,599.54 | $2,744.62 |
| IL | $2,087.74 | $2,533.67 | $3,689.19 |
| IN | $1,244.14 | $1,451.50 | $2,196.92 |
| KS | $1,754.93 | $2,135.09 | $3,257.80 |
| KY | $1,970.40 | $2,416.87 | $4,306.41 |
| LA | $3,207.81 | $3,841.14 | $6,010.39 |
| MA | $1,930.79 | $1,930.79 | $1,930.79 |
| MD | $2,063.46 | $2,509.68 | $3,659.27 |
| ME | $1,145.82 | $1,316.55 | $1,914.61 |
| MI | $2,351.17 | $3,090.30 | $5,418.52 |
| MN | $1,905.46 | $2,192.66 | $4,486.70 |
| MO | $1,404.32 | $1,960.03 | $4,212.99 |
| MS | $1,527.71 | $1,830.51 | $2,810.16 |
| MT | $1,500.58 | $1,854.79 | $2,740.31 |
| ND | $1,495.25 | $1,754.69 | $2,770.47 |
| NE | $1,784.20 | $2,102.11 | $3,106.02 |
| NH | $1,432.74 | $1,701.57 | $2,586.58 |
| NM | $1,864.57 | $2,151.20 | $2,874.51 |
| NV | $2,166.80 | $2,647.55 | $4,392.85 |
| NY | $2,570.78 | $2,913.64 | $5,800.63 |
| OH | $1,157.84 | $1,358.48 | $1,919.04 |
| OK | $2,139.63 | $2,681.79 | $4,701.02 |
| OR | $1,723.23 | $2,163.24 | $3,874.97 |
| PA | $1,473.98 | $1,664.45 | $2,241.67 |
| RI | $2,911.61 | $3,646.05 | $6,414.26 |
| SC | $2,299.10 | $2,628.01 | $5,347.18 |
| TN | $1,918.82 | $2,326.47 | $3,972.57 |
| TX | $1,695.87 | $2,109.34 | $3,658.48 |
| UT | $1,624.05 | $2,276.89 | $3,572.35 |
| VA | $1,397.63 | $1,693.24 | $2,484.28 |
| VT | $1,318.17 | $1,642.30 | $2,750.18 |
| WA | $1,839.15 | $2,092.36 | $2,854.97 |
| WI | $1,288.58 | $1,612.94 | $3,052.35 |
| WV | $2,016.11 | $2,521.42 | $4,389.67 |
| WY | $1,496.84 | $2,124.46 | $4,717.29 |
Once again, your credit can affect your rates.
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USAA Rates by Driving Record
Take a look at the table below to see how USAA rates can vary based on your driving record.
| State | Clean Record Average Annual Rates | Average Annual Rates With One Speeding Violation | Average Annual Rates With One Accident | Average Annual Rates With One DUI |
|---|---|---|---|---|
| AK | $1,928.44 | $2,182.93 | $2,473.74 | $3,231.71 |
| AL | $1,633.79 | $1,767.36 | $2,050.06 | $3,045.15 |
| AR | $1,667.81 | $1,850.74 | $2,115.02 | $3,050.64 |
| AZ | $2,243.31 | $2,640.48 | $3,213.87 | $4,239.51 |
| CA | $1,789.53 | $1,960.41 | $2,663.65 | $4,361.87 |
| CO | $2,439.12 | $2,750.39 | $2,973.13 | $5,192.84 |
| CT | $2,470.92 | $2,470.92 | $3,104.23 | $4,713.94 |
| DC | $1,969.44 | $2,212.93 | $2,510.06 | $3,629.33 |
| DE | $1,916.79 | $2,189.94 | $1,916.79 | $3,280.40 |
| FL | $2,233.94 | $2,341.64 | $2,755.24 | $4,070.81 |
| GA | $2,416.20 | $2,693.63 | $3,058.95 | $4,461.07 |
| HI | $901.18 | $942.77 | $1,109.67 | $1,803.79 |
| IA | $1,415.07 | $1,624.77 | $1,899.89 | $2,470.55 |
| ID | $1,347.13 | $1,632.11 | $1,921.59 | $2,609.61 |
| IL | $1,973.79 | $2,380.90 | $2,838.49 | $3,887.63 |
| IN | $1,231.70 | $1,526.86 | $1,753.24 | $2,011.63 |
| KS | $1,744.07 | $1,997.23 | $2,346.29 | $3,442.84 |
| KY | $2,182.03 | $2,627.86 | $3,087.95 | $3,693.72 |
| LA | $3,321.62 | $3,965.32 | $4,611.20 | $5,514.32 |
| MA | $1,374.38 | $1,537.36 | $1,784.07 | $3,027.34 |
| MD | $2,158.09 | $2,323.31 | $2,645.44 | $3,849.72 |
| ME | $1,109.22 | $1,219.90 | $1,459.07 | $2,047.78 |
| MI | $2,912.07 | $3,173.82 | $3,633.49 | $4,760.60 |
| MN | $2,126.06 | $2,531.74 | $2,706.41 | $4,082.21 |
| MO | $2,030.33 | $2,215.48 | $2,457.96 | $3,399.34 |
| MS | $1,605.09 | $1,785.35 | $2,050.33 | $2,783.74 |
| MT | $1,531.17 | $1,868.12 | $1,901.51 | $2,826.76 |
| ND | $1,425.96 | $1,760.03 | $2,018.24 | $2,822.98 |
| NE | $1,768.34 | $2,003.27 | $2,226.95 | $3,324.55 |
| NH | $1,472.06 | $1,711.29 | $1,981.71 | $2,462.79 |
| NM | $1,705.93 | $1,986.84 | $2,372.58 | $3,121.71 |
| NV | $2,340.32 | $2,643.85 | $2,948.75 | $4,343.35 |
| NY | $3,348.28 | $3,402.69 | $3,402.69 | $4,893.09 |
| OH | $1,135.07 | $1,257.56 | $1,521.70 | $1,999.49 |
| OK | $2,341.22 | $2,880.43 | $3,362.41 | $4,112.53 |
| OR | $1,878.71 | $2,199.05 | $2,623.09 | $3,647.75 |
| PA | $1,442.82 | $1,612.21 | $1,992.43 | $2,126.01 |
| RI | $3,139.23 | $3,333.54 | $4,263.97 | $6,559.16 |
| SC | $2,706.69 | $3,032.40 | $3,341.10 | $4,618.87 |
| TN | $1,992.65 | $2,470.89 | $2,984.18 | $3,509.42 |
| TX | $1,857.94 | $2,132.76 | $2,737.15 | $3,223.73 |
| UT | $1,957.81 | $2,193.89 | $2,476.70 | $3,335.98 |
| VA | $1,439.40 | $1,656.08 | $1,869.23 | $2,468.83 |
| VT | $1,450.28 | $1,612.57 | $1,830.96 | $2,720.40 |
| WA | $1,664.33 | $1,966.78 | $2,409.13 | $3,008.40 |
| WI | $1,554.36 | $1,773.31 | $1,959.72 | $2,651.10 |
| WV | $2,338.74 | $2,851.73 | $2,765.94 | $3,946.53 |
| WY | $2,184.09 | $2,380.48 | $2,649.43 | $3,904.12 |
Staying safe and courteous on the roads can save you money down the line.
Available Car Insurance Discounts
USAA Insurance provides discounts on car insurance if you’re storing your car on a military installation, maintain good grades, or you have a clean driving record. Your car can also qualify for additional discounts if it is less than three years old or is equipped with anti-theft technology.
Finally, your policy qualifies for additional discounts with multiple policies and multiple cars. Families also gain discounts for staying with USAA for loyalty.
How do Liberty Mutual vs. USAA car insurance compare?
Liberty Mutual is the highest rated car insurance company, but the best insurance company will be different for customers based on circumstances and need. Understand how to navigate auto insurance so you can prepare before you buy.
Did we miss anything in this guide? You can get free quotes from Liberty Mutual and USAA today when you enter your ZIP code into our comparison tool.
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...
Farmers CSR for 4 Years
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