Farmers vs Liberty Mutual

Farmers and Liberty Mutual are both reputable car insurance companies. Their ratings from Moody, AM Best, and JD Power are identical, but individual coverage may vary.

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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...

  • Farmers and Liberty Mutual have similar financial ratings
  • They also have similar claims satisfaction ratings
  • To find out which one is best for you, start with our quote tool to compare rates between these two companies and other insurance providers

Is Farmers car insurance or Liberty Mutual car insurance the best? Read through this Farmers/Liberty Mutual car insurance comparison and then decide for yourself!

Also, be sure to enter your zip code in to start with your free car insurance comparison online!

Liberty Mutual Group History

In 1912, Liberty Mutual was founded in Massachusetts under the name, Employee’s Insurance Association. Massachusetts state law required employers to insure employees with some kind of workers compensation insurance.

In 1914, the first office opened and that same year, the first auto policy was written. In 1917, the name changed to the Liberty Mutual Insurance Company. Liberty Mutual offered full coverage auto policies through partnerships.

In 1964, through Liberty Life Assurance Branch, Liberty Mutual began offering life insurance. Liberty Mutual changed to its present mutual structure in 2002.

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Farmers Insurance Group History

In 1910, Farmers Insurance Group started out as a company named New World Life. In 1953, it was acquired by Farmers and it provides insurance products such as annuities, whole life insurance, traditional term life insurance, and flexible universal life insurance.

During the 1920s, in order to have less expensive policies, Farmers insurance companies across the United States of America established their own mutual insurance cooperatives and their own firms.

The Farmers Insurance Company announced the purchase of AIG’s personal auto group in 2009.

Farmers Insurance Company Ratings

As a result of poor reviews, Farmers focused on customer satisfaction levels and did improve from 2005 to 2006 among the companies tested and surveyed.

Liberty Mutual Group Ratings

However, interestingly enough, another rating service or company, Weiss Ratings Guide rates one of Liberty Mutual Group subsidiaries, Liberty Mutual Life Assurance Company of Boston as just a C+, which is only a fair rating.

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Liberty Mutual or Farmers?

The only way to know if Liberty Mutual, Farmers, or another company altogether is the best choice for you is to make sure that you compare quotes from many different insurers. Enter your zip to start with a free car insurance comparison now!

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