By the Five Star Insurance Reviews editorial team ยท Updated October 13, 2026
Allstate vs Liberty Mutual: which fits you better?
Neither carrier is the cheapest for everyone. This guide compares general features so you know what to ask when quotes arrive.
| Allstate | Liberty Mutual | |
|---|---|---|
| Best for | Discount hunters who also want an agent | Drivers who want to tailor coverage |
| Strengths | Discounts for safe driving, low mileage and bundling Agents plus online options | Wide menu of optional coverages Multi-policy discounts |
| Watch out for | Pricing varies widely by driver profile | Add-ons can raise the price quickly |
Swipe sideways if the table is cut off.
Where they differ
What they share
- Rewards bundling home and auto
More of a Allstate strength
- Local agents available
More of a Liberty Mutual strength
- Wide menu of customizable coverage
Sold through, availability and programs
| Allstate | Liberty Mutual | |
|---|---|---|
| Sold through | Local Allstate agents, plus online and phone | Online, by phone and through agents |
| Where available | All 50 states and DC | All 50 states and DC |
| AM Best rating | A+ | A |
| Usage-based program | Drivewise (many states) and Milewise pay-per-mile (limited states) | RightTrack, with a 90-day review period |
Swipe sideways if the table is cut off.
Details verified October 2026 from carrier websites, AM Best and published reviews. AM Best ratings and state availability can change, so confirm with the carrier and at ambest.com.
Who each fits best
- Allstate tends to suit discount hunters who also want an agent.
- Liberty Mutual tends to suit drivers who want to tailor coverage.
How to decide
- Match the carrier to how you like to buy and manage a policy.
- Compare the same coverage limits and deductibles on every quote.
- Ask each carrier which discounts are applied.
Based on each carrier’s published features. Details vary by state, so confirm with each carrier.
Read the full reviews: Allstate and Liberty Mutual.
Related comparisons
FAQs
Is Allstate or Liberty Mutual cheaper?
It depends on you. Each carrier weighs age, location, vehicle and history differently, so compare personal quotes from both.
Who is each company best for?
Allstate tends to suit discount hunters who also want an agent. Liberty Mutual tends to suit drivers who want to tailor coverage.
Can I get quotes from both?
Often yes. Request quotes through our partner and compare the offers side by side.
Get the free car insurance discounts checklist
18 discounts to ask your insurer about, plus practical tips to lower what you pay. Free to your inbox. Unsubscribe any time.
By subscribing you agree to receive emails from Five Star Insurance Reviews, including your checklist. See our privacy policy.
Ready to see your options?
It's free, takes about two minutes, and there's no obligation.
Compare free quotes