Auto insurance · Updated August 2026
Erie Insurance vs Liberty Mutual
Erie Insurance is built for agent-served drivers in the East and Midwest. Liberty Mutual is built for drivers who buy direct and customize coverage online. On the NAIC's 2025 complaint index, Erie Ins. Exchange drew 0.55 and LM General Ins. Co. drew 0.94, against an industry median of 1.00. AM Best rates Erie Insurance A+ and Liberty Mutual A. Neither is reliably cheaper. For the same driver in the same state, either can return the lower number.
By Armando Chavarria, licensed insurance agent · NPN 17042827
The short answer
Erie Insurance has written auto since 1925 and writes through Erie Insurance Exchange. Erie Ins. Exchange drew 0.55 on the NAIC's 2025 complaint index, 108 complaints on $4.1 billion of private-passenger premium. AM Best rates it A+. The tradeoff: its app holds 4.38 stars against Liberty Mutual's 4.79.
Liberty Mutual has written auto since 1912 and writes through Liberty Mutual group companies. Its iOS app holds 4.79 stars across 484,458 ratings. The tradeoffs: it drew 0.94 on the 2025 complaint index against Erie Insurance's 0.55, and AM Best rates it A against Erie Insurance's A+.
Both companies state by state, and their filed rates trade the lead by address. A national average will not predict which one wins for you. For the same driver in the same state, either can return the lower number.
About two minutes. No effect on your credit score.
Side by side
Erie Insurance vs Liberty Mutual: the data sheet
Sources are listed under the measured figures. How we compare
Erie Insurance | Liberty Mutual | |
|---|---|---|
| Built for | Agent-served drivers in the East and Midwest | Drivers who buy direct and customize coverage online |
| Who underwrites it | Erie Insurance Exchange | Liberty Mutual group companies |
| Complaints per policyErie Insurance, ahead of Liberty Mutual | 0.55 108 complaints on $4.1B written | 0.94 57 complaints on $1.3B written |
NAIC complaint index, 2025, private passenger auto · Erie Ins. Exchange vs LM General Ins. Co. · 1.00 is the industry median | ||
| Financial strengthBoth strong; Erie Insurance a step higher | A+ Superior | A Excellent |
AM Best financial strength rating · A++ is the highest issued | ||
| Coverage you can buyTied | 6 lines auto, home, renters, life, umbrella, commercial | 6 lines auto, home, renters, life, umbrella, motorcycle |
| PriceNot rated | Filed state by state, priced to the driver. The main factors are below. | |
| Mobile appLiberty Mutual | 4.38 2,713 ratings | 4.79 484,458 ratings |
Apple App Store, August 2026 | ||
| Telematics program | YourTurn | RightTrack |
| Availability | Available in 12 states and Washington, D.C. | Available in all 50 states |
| Known for | ERIE Rate Lock, first-accident forgiveness | RightTrack discounts, online policy customization |
In practice
Where they differ
The complaint records
On the NAIC's 2025 complaint index, Erie Ins. Exchange drew 0.55 and LM General Ins. Co. drew 0.94, against an industry median of 1.00. The index weighs a company's complaint count against the volume expected for its size, so 1.00 is the industry median and a lower number is fewer complaints than expected.
Financial strength
AM Best rates Erie Insurance A+ and Liberty Mutual A. A++ is the highest grade AM Best issues. The grade measures the company's ability to pay claims, not its service or its price.
Who underwrites each one
Erie Insurance policies are written by Erie Insurance Exchange. Liberty Mutual policies are written by Liberty Mutual group companies. The brand on the advertising and the company on the policy are often different entities, and the complaint figures on this page belong to the named companies.
What each one covers
Both write six lines. Erie Insurance writes auto, home, renters, life, umbrella, and commercial. Liberty Mutual writes auto, home, renters, life, umbrella, and motorcycle. If auto is all you need, the difference costs you nothing.
Price
Which is cheaper: Erie Insurance or Liberty Mutual?
Neither company is reliably cheaper. What sets the price:
The record sets the range. A ticket, an at-fault accident, or a moves the two prices by different amounts, and the direction is not consistent between states. A quote on the real record is what separates them.
Availability decides some matchups. Erie Insurance writes in 12 states and Washington, D.C. Liberty Mutual writes in all 50 states. Where only one of them writes in your state, the comparison answers itself.
Telematics moves the number. Both run a program: YourTurn at Erie Insurance, RightTrack at Liberty Mutual. A telematics program measures driving through an app or a plug-in device and adjusts the price on the result. The size of that adjustment is filed per state.
One application. Real prices from the carriers writing in your state.