Scout's Pick: State Farm For pure price, State Farm wins in 47 of 50 states, averaging $46/mo less on comparable full coverage. Pick Liberty Mutual if you want to build the policy piece by piece: 12 optional add-ons to State Farm's 7, including better car replacement and a deductible fund.
| Category | Liberty Mutual | State Farm | Edge |
|---|---|---|---|
| Avg liability / mo | $74 | $42 | State Farm |
| Avg full coverage / mo | $172 | $126 | State Farm |
| Teen driver added cost | +$189/mo | +$141/mo | State Farm |
| Rate after one at-fault accident | +49% | +37% | State Farm |
| Optional add-ons | 12 | 7 | Liberty Mutual |
| Accident forgiveness | Buy from day 1 | Earned over time | Liberty Mutual |
| Claims satisfaction (J.D. Power) | 866 | 882 | State Farm |
| Mobile app rating | 4.8 | 4.7 | Liberty Mutual |
Illustrative estimates for layout and comparison purposes; see our methodology.
Two different pricing models. State Farm prices a lean baseline and spreads costs across the largest auto book in the country; Liberty Mutual builds its pricing around customization, and the flexibility tends to show up in the base rate. In our 540 matched pairs the gap averaged $46/mo on comparable full coverage.
Sometimes. Better car replacement can pay for itself on a newer car. Scout's rule: price the add-on against what it would actually pay out, not against the brochure.