Allstate or Liberty Mutual

Compare car insurance for Allstate vs Liberty Mutual by looking at rates and ratings. J.D. Power rated both Allstate and Liberty Mutual a 3 out of 5 for overall satisfaction with a variety of coverage options available.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 26, 2021

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Here's what you need to know...

  • Allstate and Liberty Mutual are two of the most popular insurance companies in the U.S.
  • Both companies have average ratings with J.D. Power
  • If you’re searching for insurance, be sure to compare rates from multiple companies before making a decision

Comparing Allstate and Liberty Mutual is challenging because both companies are among the top insurers in the industry in the U.S.

Allstate is the biggest U.S. publicly held personal insurer. Liberty Mutual ranks 4th in U.S. property and casualty insurance companies, according to their number of premiums written in 2008.

So, should you purchase car insurance from Liberty Mutual or Allstate?

Read the rest of this Allstate Liberty Mutual auto insurance comparison and then be sure to enter your zip code above to compare car insurance quotes from multiple companies!

Allstate: 50 Years With Sears

In 1930, the president of Sears, Roebuck & Company General Robert Wood was advised by a friend that he should open an automobile insurance company.

By 1931, Allstate Insurance became established as a division of Sears. It remained part of the company for over fifty years.

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Allstate’s Independence

Sears let Allstate become an independent company in 1993.

Allstate acquired its own shares that could be openly traded on the stock exchange. In 1995, Allstate became a totally separate company from Sears, when Sears sold off all of its Allstate shares to the Sears stockholders.

By 2008, Allstate earned 29.4 billion in revenue. This revenue was generated from:

  • Property liability – $26.8 billion
  • Allstate financial services – $2.58 billion
  • Corporate and other services – $32 million

Allstate’s “Are you in good hands?” slogan came out in 2004 and is still being promoted by the company spokesperson Dennis Haysbert.

What Does Allstate Offer?


Allstate provides 13 insurance product lines. This includes:

  • Automobile
  • Home
  • Condominium
  • Renters
  • Landlord property
  • Commercial
  • Life

The company also provides retirement planning, annuities and personal banking services.

The Allstate Corporation is made up of 15 companies with over 70,000 employees and 14,000 agents in the US and Canada. Allstate’s headquarters are in Northbrook, Illinois.

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Allstate Customer Service

J. D. Power & Associates evaluated Allstate in their 2009 auto and homeowners insurance customer satisfaction studies.

The ratings used a 1 to 5 scale with 1 as below most companies and 5 meaning among the best companies.

The auto rating is the first number followed by the homeowners rating.

  1. Customer overall satisfaction – Auto 3, Homeowner 3
  2. Pricing – Auto 2, Homeowner 3
  3. Insurer contact – Auto 3, Homeowner 3
  4. Policies offered – Auto 3, Homeowner 3
  5. Payment and billing – Auto 3, Homeowner 3

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How Did Liberty Mutual Begin?

In 1911, the state of Massachusetts passed a law mandating companies provide protection for their employees through worker’s compensation insurance.

The Massachusetts Employee Insurance Association (MEIA) was formed in 1912.

MEIA established its first insurance office in 1914 in Springfield, Massachusetts, and sold its first auto insurance policy. By 1917, the name MEIA was changed to Liberty Mutual Insurance Company.

How Big Is Liberty Mutual?

By 1972, Liberty Mutual had 2 billion premiums written. Currently, it has more than 400 offices within the U.S. Liberty Mutual employs approximately 45,000 professionals that work throughout 14 countries.

As of December 2008, Liberty Mutual had:

  • Consolidated assets of $104.3 billion
  • Annual consolidated revenue of $28.9 billion
  • Consolidated liabilities of $94.2 billion

What Does Liberty Mutual Provide?

Liberty Mutual provides insurance for individuals and mid to large sized businesses. Several of its insurance products include:

  • Automobile
  • Homeowners
  • High-value possessions
  • Personal liability
  • Workers compensation
  • Commercial auto
  • Commercial multiple peril
  • Global specialty
  • Group disability

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Liberty Mutual Customer Satisfaction

J. D. Power & Associates also rated Liberty Mutual. Liberty Mutual received an average rating (3) in all categories in automobile and homeowners insurance customer satisfaction.

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