Auto insurance · Updated August 2026
USAA vs Liberty Mutual
USAA is built for military members, veterans, and their families. Liberty Mutual is built for drivers who buy direct and customize coverage online. On the NAIC's 2025 complaint index the two land close: United Services Automobile Assn. drew 0.83 and LM General Ins. Co. drew 0.94, against an industry median of 1.00. AM Best rates USAA A++ and Liberty Mutual A. Neither is reliably cheaper. For the same driver in the same state, either can return the lower number.
By Dylan Leggett, licensed insurance agent · NPN 17875887
The short answer
USAA has written auto since 1922 and writes through USAA and its subsidiaries. AM Best rates it A++, the highest grade it issues. The tradeoff: it writes in Available nationwide to the military community against Liberty Mutual's all 50 states.
Liberty Mutual has written auto since 1912 and writes through Liberty Mutual group companies. The tradeoff: AM Best rates it A against USAA'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
USAA vs Liberty Mutual: the data sheet
Sources are listed under the measured figures. How we compare
USAA | Liberty Mutual | |
|---|---|---|
| Built for | Military members, veterans, and their families | Drivers who buy direct and customize coverage online |
| Who underwrites it | USAA and its subsidiaries | Liberty Mutual group companies |
| Complaints per policyEffectively tied | 0.83 278 complaints on $7.0B written | 0.94 57 complaints on $1.3B written |
NAIC complaint index, 2025, private passenger auto · United Services Automobile Assn. vs LM General Ins. Co. · 1.00 is the industry median | ||
| Financial strengthBoth strong; USAA 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, boat | 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 2,300,916 ratings | 4.79 484,458 ratings |
Apple App Store, August 2026 | ||
| SR-22 filing | Yes | Yes |
| Telematics program | SafePilot | RightTrack |
| Availability | Available nationwide to the military community | Available in all 50 states |
| Known for | Military-only membership, banking and insurance in one account | RightTrack discounts, online policy customization |
In practice
Where they differ
The complaint records
On the NAIC's 2025 complaint index the two land close: United Services Automobile Assn. drew 0.83 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 USAA 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
USAA policies are written by USAA and its subsidiaries. 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. USAA writes auto, home, renters, life, umbrella, and boat. 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: USAA 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. USAA writes in Available nationwide to the military community. 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: SafePilot at USAA, 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.