Allstate vs. Liberty Mutual: Best Auto Insurance for Military and Veterans 
As a military member or a veteran, you may wonder which is more affordable, Allstate or Liberty Mutual auto insurance. When looking at Allstate vs. Liberty Mutual auto insurance rates, Allstate is a bit cheaper. However, Liberty Mutual offers a good number of discounts to help you save. For example, you can get a military discount with Liberty Mutual, saving you 10%.
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UPDATED: Aug 24, 2021
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- Allstate auto insurance tends to be cheaper for most people than Liberty Mutual car insurance
- Both Allstate and Liberty Mutual auto insurance companies offer a ton of discounts to make rates more affordable
- Your personal rates with either of these companies will vary based on a number of factors
- Both Liberty Mutual and Allstate offer programs to help you save money
When comparing Allstate vs. Liberty Mutual auto insurance, it will quickly become clear if either of these companies will be affordable for you. However, comparing companies will ensure you get the cheapest rates.
These companies offer programs to help everyone, including military members and veterans, save money on their auto insurance. This includes the Allstate Drivewise program and the Liberty Mutual RightTrack program reward drivers for driving safely.
Keep in mind that discounts, programs, and various other factors will impact how much your rates will be. You can reduce your Allstate or Liberty Mutual auto insurance rates by improving your credit score, growing older, and more.
Keep reading to determine which company offers the best coverage for military members and veterans when pitting Allstate vs. Liberty Mutual. You can also enter your ZIP code now to compare free quotes from top-rated companies in your area.
Which company offers better rates for military members and veterans, Allstate or Liberty Mutual auto insurance?
When you start to shop around for new insurance, you may decide to get an Allstate auto insurance quote. This is a great place to start. However, comparing quotes from various companies and pitting companies against each other is the best way to ensure you get the most affordable prices.
Regardless of whether or not you are in the military, there are a number of factors that will impact your rates. While rates are important to your monthly budget, you should also consider other things before choosing the Allstate or Liberty Mutual auto insurance company.
For example, people are apt to go to Liberty Mutual because of the Liberty Mutual new car replacement program in addition to the great discounts offered. On the other hand, Allstate rewards can help build savings while sticking with a well-respected auto insurance company.
So, let’s take a look at a variety of different rates that you may see when you start to look for Allstate or Liberty Mutual auto insurance quotes. Know that age, location, credit score, driving record, annual mileage, and more will impact how much you end up paying for your auto insurance.
Allstate vs. Liberty Mutual: Average Rates Based on Age
Most people realize that their age is going to impact how much they pay for auto insurance. The impact is pretty significant considering most companies put the label of “high-risk driver” on teenagers. This means that teenager auto insurance is going to be costly.
The older you get, the more experienced you are when it comes to driving. With this added experience, your auto insurance rates will come down.
You don’t need to do anything except keep gaining experience behind the wheel. Auto insurance for veterans is typically affordable because of experience.
|Credit Score Range||Allstate Monthly Rates||American Family Monthly Rates|
|740-799 (Very Good)||$152||$84|
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The rates between Allstate and Liberty Mutual are very close. However, Allstate is just a bit more affordable in pretty much every age group. Keep in mind these rates don’t reflect any discounts that you may qualify for.
Allstate vs. Liberty Mutual: Rates Based on Credit Score
While most people recognize their age will play a role in their rates, many don’t realize that their credit score will also impact what they end up paying for auto insurance. The better your credit score, the cheaper your rates will be.
While a less-than-stellar credit score will have negative implications on your rates, each auto insurance company will put a different amount of weight behind your prices based on credit scores. So, let’s take a look at how seriously Allstate and Liberty Mutual take credit scores.
|Age Group||Allstate Average Monthly Rates||Naitonwide Average Mothly Rates|
As you can see, both Allstate and Liberty Mutual offer comparable rates when it comes to your credit score. If you improve your credit rating, you can save a decent amount of money regardless of which auto insurance company you decide to go with.
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Which company offers better discounts, Allstate or Liberty Mutual auto insurance?
When you start to ask yourself, “How much is Liberty Mutual car insurance?” and you look at quotes, you need to realize that discounts are likely not included. This is not going to give you a clear picture of what you may end up paying.
Likewise, quotes from Allstate will be base rates. Adding in discounts will ensure you are getting the most affordable Allstate or Liberty Mutual auto insurance possible.
Considering how much auto insurance discounts can save you, we thought it essential to compare what discounts are available.
|Advanced Policy Purchase||Yes||No|
|Paid in Full||Yes||Yes|
|Student Away at School||Yes||Yes|
When you look over these discounts, you will see there are many of the same ones offered by both companies. However, if you are a military member or a veteran, Liberty Mutual will give you a discount for it, but Allstate will not. This could make Liberty Mutual the best option.
Which company is easier for military members and veterans to deal with, Allstate or Liberty Mutual?
When you are in the military, there’s a lot to consider. You should think about auto insurance while you are deployed and what the driving laws on military bases are.
So, finding an auto insurance company that will not only answer your questions but make it easy to work through claims is imperative.
Knowing where you can use your Allstate roadside assistance and whether or not Liberty Mutual covers you while driving overseas will help you decide which company fits your life the best. Both of these companies work with the military member to make their lives a bit easier.
However, consumers have found that Liberty Mutual is a bit more military-friendly.
Not only is a military discount offered through Liberty Mutual, but you will also find that the customer service team is well-versed in common questions associated with active military members and their auto insurance.
Hopefully, you have gotten all of the information you need to decide whether to buy Allstate or Liberty Mutual auto insurance. To keep shopping around, enter your ZIP code here and check out free quotes from insurance companies near you.