Geico vs Liberty Mutual

When it comes to comparing Geico vs Liberty Mutual, they're both reputable companies. Both of their websites offer price quotes to help you compare. However, Geico has an A++ rating while Liberty Mutual has A+.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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® Joel Ohman

UPDATED: Jun 2, 2022

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Here's what you need to know...

  • Geico and Liberty Mutual insurance are both established, strong companies
  • You should research car insurance similarly to how you would research a car purchase
  • Both websites offer price quotes, and both have agents you can contact personally

So, you’re shopping for car insurance, and it’s come down to Geico and Liberty Mutual? How about starting with a comparison of these two well-known companies.

When comparing the costs of insurance, the careful consumer examines the company offering the insurance coverage as much as he or she does the price of the car insurance.

Let’s compare this to buying a car. When you’re buying a car, most of us look for a good deal. You’ll examine brands, repair records, reputations, as well as gas mileage and cost before purchasing a car.

Do research on insurance in the same way as you would a new car.

Geico and Liberty Mutual’s Corporate Structure

Two of the major insurance companies in the United States are Geico and Liberty Mutual Insurance Company.

Geico (Government Employees Insurance Company) was originally started to address the needs of U.S. government employees and military personnel.

However, Geico now insures a wide range of customers. Liberty Mutual is a mutual insurance company. This means that, when you purchase an insurance policy from Liberty Mutual, you are a shareholder in the company.

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Geico and Liberty Mutual Web Sites — and Price Quotations

Both companies offer the option of receiving an online quote, and both also use a system of independent agents in the United States for those who prefer to meet with an agent in person.

Going to an agent instead of accessing the company online does not change the premiums.

Both websites are user-friendly in that they are easy to use and clear with instructions.

Geico has more information on their website if you want to access it.

You can make payments online for either company securely, and both have a number of finance options. Check both websites to obtain quotes for your insurance needs.

Of course, you’ll need the following information to acquire a quotation from insurance companies on auto insurance:

  • Dates of birth, drivers’ license numbers, and full names of all drivers
  • Complete data including make, model, and VIN number for all cars
  • Usage of the vehicle(s)
  • Information from your previous policy about liability limits, physical damage on your car, expiration date

Comparing Each Company’s Ratings

Geico has an A.M. Best rating of A++ and Liberty Mutual is rated at A+. A.M. Best is an insurance industry-wide rating company that assesses financial ratings for insurance companies.

Explore the internet to determine other people’s viewpoints and experiences with the particular insurance company. Both of these companies include comments from customers on their sites.

Generally, Geico is rated as more prompt in their response than Liberty Mutual. Both are average in comments about claims responses, and satisfaction with premiums.

Luckily, most people do not often need the services of their insurance company, but it is important to be able to trust the company when you need them.

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