Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: May 20, 2021

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It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Facts You Should Know

  • State Farm is more well-reviewed by A.M. Best
  • State Farm is, on average, more affordable than Liberty Mutual Insurance
  • Both companies offer a wide array of discount for consumers to choose from

One thing that makes comparison shopping life insurance companies so difficult is that there is a surplus of options. To simplify the process, we will be focusing on Liberty Mutual vs. State Farm.

Throughout our Liberty Mutual vs. State Farm company insurance review comparison, we are going to go through these companies’ rates, discounts, and ratings.

Prior to diving into our Liberty Mutual vs. State Farm comparison, type your ZIP code into our free and helpful tool above to find affordable life insurance quotes in your area.

Liberty Mutual vs. State Farm: Which company is cheaper?

When you set out to find that perfect life insurance company, you probably want to start with something that is important to you. For many, pricing is most important.

Let’s take a look at a table that shows Liberty Mutual vs. State Farm life insurance rates by age.

Liberty Mutual vs. State Farm Average Monthly Rates by Age
CompanyAge 30 Average Monthly RatesAge 40 Average Monthly RatesAge 50 Average Monthly Rates
Liberty Mutual$42.75$80.55$241.20
State Farm$34.39$70.04$163.54
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Is it easy to get affordable Liberty Mutual vs. State Farm life insurance quotes? As you can see, for individuals in their 30s, Liberty Mutual and State Farm are pretty close, but State Farm has the edge.

For individuals in their 40s, State Farm insurance is again cheaper, this time by about $10. Finally, for individuals in their 50s, Liberty Mutual is nearly $78 more expensive per month than State Farm.

In short, our State Farm vs. Liberty Mutual life insurance review has shown us that you could do far worse than getting a State Farm insurance quote.

Let’s move on to company discounts and see if they can strengthen their lead.

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Which company has better discounts?

One thing to be on the lookout for when comparing insurers is available discounts. These are great for chipping away at that daunting premium.

State Farm has one such discount program titled Drive Safe & Save. With this, they utilize information about your driving to tailor a discount for you. Let’s take a look at an ad for this discount.

Does Liberty Mutual have anything like this? Just as Drive Safe & Save is about, you guessed it, driving safe, Liberty Mutual has a discount for being claims-free.

The larger point is to inquire in detail about discounts that are applicable to your life. The good news for you here is that both of these companies have a wide array for you to choose from.

Let’s go ahead and move on to how Liberty Mutual and State Farm are rated.

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Which company is more well-reviewed?

Let’s wrap up with Liberty Mutual and State Farm Insurance reviews given by A.M. Best. A positive rating from this organization can give consumers confidence in an insurance company’s ability to meet their needs.

Sample A.M. Best Ratings by Company
CompaniesA.M. Best Rating
Banner LifeA+
Guardian LifeA++
Haven LifeA++
John HancockA+
Liberty MutualA
Mutual of OmahaA+
New York LifeA++
Northwestern MutualA++
Pacific LifeA+
State FarmA++
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A.M. Best’s Financial Strength Rating (FSR) scale ranges from “A++” down to “D.” Liberty Mutual holds a score of “A” whereas State Farm holds the highest rating of “A++.”

You have two really solid options here, but State Farm won. Their offered rates and A.M. Best rating put them on top.

With that being said, don’t let your life insurance company comparison stop with Liberty Mutual vs. State Farm. Type your ZIP code into our free and helpful tool below to find affordable life insurance rates in your area.

Frequently Asked Questions: Liberty Mutual vs. State Farm

Here are some frequently asked questions about these two companies.

What is the Liberty Mutual claims number?

The claims support number is 1-800-225-2467.

How do I buy Liberty Mutual vs. State Farm life insurance?

You can go to State Farm’s website or call 1-800-782-8332. For Liberty Mutual, you can call 1-800-699-6459.