Auto insurance · Updated August 2026
GEICO vs Liberty Mutual
GEICO is built for drivers who buy direct and manage the policy in the app. Liberty Mutual is built for drivers who buy direct and customize coverage online. On the NAIC's 2025 complaint index the two land close: GEICO General Ins. Co. drew 0.88 and LM General Ins. Co. drew 0.94, against an industry median of 1.00. AM Best rates GEICO A++ and Liberty Mutual A. Neither is reliably cheaper. For the same driver in the same state, either can return the lower number.
By Kevin Lee, licensed insurance agent · NPN 19669698
The short answer
GEICO has written auto since 1936 and writes through GEICO group companies, part of Berkshire Hathaway. AM Best rates it A++, the highest grade it issues. The tradeoff: it writes five lines against Liberty Mutual's six.
Liberty Mutual has written auto since 1912 and writes through Liberty Mutual group companies. It writes six lines: auto, home, renters, life, umbrella, and motorcycle. The tradeoff: AM Best rates it A against GEICO'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
GEICO vs Liberty Mutual: the data sheet
Sources are listed under the measured figures. How we compare
GEICO | Liberty Mutual | |
|---|---|---|
| Built for | Drivers who buy direct and manage the policy in the app | Drivers who buy direct and customize coverage online |
| Who underwrites it | GEICO group companies, part of Berkshire Hathaway | Liberty Mutual group companies |
| Complaints per policyEffectively tied | 0.88 536 complaints on $12.8B written | 0.94 57 complaints on $1.3B written |
NAIC complaint index, 2025, private passenger auto · GEICO General Ins. Co. vs LM General Ins. Co. · 1.00 is the industry median | ||
| Financial strengthBoth strong; GEICO a step higher | A++ Superior | A Excellent |
AM Best financial strength rating · A++ is the highest issued | ||
| Coverage you can buyLiberty Mutual, if you want to bundle | 5 lines auto, motorcycle, renters, home, rv | 6 lines auto, home, renters, life, umbrella, motorcycle |
| PriceNot rated | Filed state by state, priced to the driver. The main factors are below. | |
| Mobile appEffectively tied | 4.80 4,753,999 ratings | 4.79 484,458 ratings |
Apple App Store, August 2026 | ||
| SR-22 filing | Yes | Yes |
| Telematics program | DriveEasy | RightTrack |
| Availability | All 50 states | Available in all 50 states |
| Known for | Direct sales, fast quotes, multi-policy discounts | RightTrack discounts, online policy customization |
In practice
Where they differ
The complaint records
On the NAIC's 2025 complaint index the two land close: GEICO General Ins. Co. drew 0.88 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 GEICO 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
GEICO policies are written by GEICO group companies, part of Berkshire Hathaway. 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
GEICO writes five lines and Liberty Mutual writes six lines. GEICO writes auto, motorcycle, renters, home, and RV. 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: GEICO 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. GEICO writes in all 50 states. 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: DriveEasy at GEICO, 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.