Farmers vs Liberty Mutual
Last updated July 2026
Farmers
We know a thing or two because we've seen a thing or two
Advantages
- Signal by Farmers telematics offers discounts up to 15% for safe driving
- Rideshare coverage available in most states without a separate policy
- Strong farm, ranch, and specialty vehicle coverage where competitors are thin
- Accident forgiveness and diminishing deductible available
- Deep bundling with home, renters, life, and umbrella
Drawbacks
- Base rates tend to be higher than State Farm for most driver profiles
- J.D. Power satisfaction scores trail State Farm in most regions
- Not available in every state, notably not in Alaska, Hawaii, or most of the Northeast
Liberty Mutual
Only pay for what you need
Advantages
- Coverage customization tool lets you drop coverages you don't want
- RightTrack telematics can drop premiums up to 30% for safe drivers
- Accident forgiveness available after four years claim-free
- Wide bundling menu across auto, home, boat, motorcycle, and umbrella
- Available in all 50 states with mixed direct and agent channels
Drawbacks
- Base rates run above average in many states
- Claims satisfaction scores are middle-of-pack in recent J.D. Power studies
- Marketing-heavy quoting funnel can feel pushy without an agent
Farmers and Liberty Mutual both play in auto insurance, but they're aimed at different buyers. Farmers is built for drivers with specialty vehicles, farm coverage needs, or existing Farmers bundles. Liberty Mutual is built for drivers who want to trim optional coverages and DIY their policy. Which one fits depends on which of those descriptions sounds more like you.
Feature Comparison
| Feature | Farmers | Liberty Mutual |
|---|---|---|
| Typical Monthly Cost | Avg $155-$210/mo before bundling | Avg $160-$215/mo; discounts stack quickly |
| Quote Process | Local agent, online, or phone | Online, phone, or captive agent |
| Available Discounts | Signal, multi-policy, homeowner, good student, safe driver | RightTrack, multi-policy, homeowner, paid in full |
| Claims Experience | 24/7 phone, app, or agent-assisted | App, phone, 24/7 online submission |
| Customer Support | Local agents, phone, app, online | Phone, chat, app, captive agents |
| Coverage Options | Liability, collision, comprehensive, custom equipment, rideshare | Liability, collision, comprehensive, gap, new-car replacement |
| Mobile App Quality | Good, ID cards, claims, Signal, payments | Solid, RightTrack, claims, ID cards |
| Bundling Options | Auto, home, renters, life, umbrella, farm, small business | Auto, home, boat, motorcycle, umbrella |
Too Close to Call
Farmers and Liberty Mutual land roughly even overall; the right pick depends on which of their strengths matters more to you.
Farmers's standout strength: Signal by Farmers telematics offers discounts up to 15% for safe driving. Liberty Mutual's standout strength: Coverage customization tool lets you drop coverages you don't want. Neither dominates across the board, and both have well-known weak spots. Farmers's biggest drawback: Base rates tend to be higher than State Farm for most driver profiles. Liberty Mutual's biggest drawback: Base rates run above average in many states. Pick the one whose strengths line up with what you actually need.
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