Farmers vs Liberty Mutual
Compare Farmers and Liberty Mutual auto insurance in detail, including coverage options, safe-driving programs, accident forgiveness, vehicle replacement, OEM parts, roadside assistance, deductible programs, discounts and repair protection.
“`Farmers vs Liberty Mutual at a Glance
Farmers and Liberty Mutual both offer standard auto insurance coverage together with optional features designed to address vehicle replacement, repair costs, driving behavior, roadside assistance and other situations. The details can differ significantly depending on the policy and state.
Signal
Farmers Signal uses a smartphone app to monitor selected driving behaviors and can affect savings and renewal pricing.
RightTrack
RightTrack evaluates driving behavior such as braking, acceleration and time of day, with the score reviewed according to the applicable program and state.
Different options
Farmers offers New Car Replacement and Vehicle Replacement Plus, while Liberty Mutual offers New Car Replacement and Better Car Replacement.
Farmers vs Liberty Mutual Coverage Comparison
| Coverage / Feature | Farmers | Liberty Mutual |
|---|---|---|
| Liability | Available | Available |
| Collision | Available | Available |
| Comprehensive | Available | Available |
| Uninsured / Underinsured Motorist | Available | Available |
| Medical / Personal Injury Protection | Available depending on state | Available depending on state |
| Roadside Assistance | 24/7 towing and roadside service | Optional 24-hour roadside assistance |
| Rental Coverage | Available | Available |
| Alternative Transportation | Loss of Use / Rental Alternative options | Rental reimbursement options |
| OEM / Original Parts | OEM / New Original Parts options | Original Parts Replacement |
| New Car Replacement | Available | Available |
| Better / Newer Vehicle Replacement | Vehicle Replacement Plus | Better Car Replacement |
| Accident Forgiveness | Available | Available for qualifying customers |
| Telematics | Signal | RightTrack |
| Deductible Program | Declining Deductible in eligible plans | Liberty Mutual Deductible Fund |
Farmers Signal vs Liberty Mutual RightTrack
Signal
Signal is a smartphone-based telematics program that monitors selected driving behaviors and provides feedback through the app.
- Monitors braking behavior.
- Monitors phone use while driving.
- Provides an initial participation discount.
- Safe driving may result in savings at renewal.
- Riskier driving may raise the premium at renewal.
- Signal availability varies by policy and state.
RightTrack
RightTrack evaluates everyday driving behavior through Liberty Mutual’s telematics program.
- Measures smooth braking.
- Measures steady acceleration.
- Considers the time of day you drive.
- Provides driving information through the app.
- Driving performance is reviewed at policy renewal.
- Program availability and effects vary by state.
Farmers Signal vs Liberty Mutual RightTrack: What Is Tracked?
| Driving Data / Program Feature | Farmers Signal | Liberty Mutual RightTrack |
|---|---|---|
| Braking | Tracked | Tracked |
| Acceleration | Driving behavior is evaluated | Steady acceleration is evaluated |
| Phone use | Tracked | Program data can include driving-related information |
| Time of day | Program-specific data collection | Evaluated |
| Renewal effect | Signal Renewal Factor can affect premium | Driving score is reviewed at renewal |
| Crash assistance | CrashAssist may be available | Accident Assistance is available with eligible RightTrack participation |
Vehicle Replacement: Farmers vs Liberty Mutual
Vehicle replacement protection can be particularly relevant when a newer car is totaled because the actual cash value may not be enough to purchase a comparable replacement vehicle.
| Vehicle Protection | Farmers | Liberty Mutual |
|---|---|---|
| New Car Replacement | Farmers offers New Car Replacement in qualifying situations. Current Farmers information lists availability for vehicles totaled within the first two model years and 24,000 miles under applicable coverage. | Liberty Mutual offers New Car Replacement for qualifying newer vehicles, subject to the applicable policy conditions. |
| Newer Vehicle Replacement | Vehicle Replacement Plus can provide a newer replacement vehicle and can also address a qualifying loan or lease gap. | Better Car Replacement can provide funds toward a vehicle one model year newer with 15,000 fewer miles than the totaled vehicle, subject to the coverage conditions. |
| Loan / Lease Gap | Vehicle Replacement Plus can pay a qualifying loan or lease gap. | GAP Coverage is available as an optional protection. |
| Vehicle eligibility | Age, mileage, state and policy requirements apply. | Eligibility depends on the vehicle, policy and state. |
Farmers Vehicle Replacement Plus
Vehicle Replacement Plus
Farmers Vehicle Replacement Plus is designed to provide more protection than a basic actual-cash-value settlement after a qualifying total loss.
- A vehicle less than two model years old and with less than 24,000 miles can qualify for replacement with a new car of the latest model year.
- An older or higher-mileage vehicle can qualify for a vehicle one model year newer with 20,000 fewer miles.
- A qualifying loan or lease gap can also be paid when the total-loss payment is below the remaining balance.
Eligibility, availability and conditions vary by state and policy.
Liberty Mutual Better Car Replacement
One Model Year Newer + 15,000 Fewer Miles
Liberty Mutual’s Better Car Replacement coverage is designed to help offset vehicle depreciation after a covered total loss.
- Replacement vehicle can be one model year newer.
- Replacement vehicle can have 15,000 fewer miles.
- Designed for eligible vehicle owners.
- Not available for leased cars and motorcycles according to Liberty Mutual.
- Terms, limitations and eligibility apply.
Accident Forgiveness Comparison
Accident Forgiveness
Farmers offers Accident Forgiveness. Under applicable Farmers coverage, one at-fault accident can be forgiven after qualifying periods or when the feature is included in the policy.
- Can protect against a premium increase associated with one accident.
- Farmers states one at-fault accident can be forgiven every three years when the feature is purchased.
- Farmers Flex can provide Accident Forgiveness after qualifying continuous policy periods.
- State and policy eligibility rules apply.
Accident Forgiveness
Liberty Mutual offers Accident Forgiveness as an optional benefit for qualifying policyholders.
- Designed to protect against a premium increase after a qualifying first at-fault accident.
- Not automatically included in every policy.
- Drivers must satisfy applicable eligibility requirements.
- Availability varies by state and policy.
OEM and Original Parts Coverage
OEM / New Original Parts
Farmers offers OEM or New Original Parts protection in applicable policies.
- Uses factory-original parts when available.
- Current Farmers information lists availability on cars up to 10 years old.
- Coverage can help maintain factory-equivalent replacement parts.
- Availability varies by state and policy.
Original Parts Replacement
Liberty Mutual offers Original Parts Replacement, also known as OEM coverage, as an optional protection.
- Can help use parts made by the original vehicle manufacturer.
- Applies to covered repairs when available.
- If OEM parts are unavailable, other qualifying parts may be used according to the coverage terms.
- State availability applies.
Roadside Assistance
24/7 Towing and Roadside Service
Farmers offers roadside assistance for situations that can leave a driver stranded.
- Towing.
- Tire changing.
- Locksmith service.
- Jump-starts.
- 24/7 roadside assistance.
24-Hour Roadside Assistance
Liberty Mutual offers optional 24-hour roadside assistance through applicable Towing & Labor Coverage.
- Towing to the nearest qualified facility.
- Battery jump-start.
- Emergency fuel delivery.
- Flat-tire assistance.
- Vehicle lockout assistance.
Rental Car and Alternative Transportation
| Transportation Feature | Farmers | Liberty Mutual |
|---|---|---|
| Rental Car Reimbursement | Farmers can cover rental expenses for up to 30 days while a vehicle is being repaired under qualifying coverage. | Liberty Mutual Rental Car Reimbursement can pay eligible rental expenses after a covered accident, subject to selected limits. |
| Alternative Transportation | Farmers offers Loss of Use / Rental Alternative coverage that can provide a daily stipend for transportation. | Liberty Mutual offers rental reimbursement with limits selected as part of the policy. |
| Rideshare | Farmers offers rideshare coverage and certain food-delivery protection in applicable states. | Rideshare-related coverage availability depends on the applicable policy and state. |
Farmers Loss of Use vs Liberty Mutual Rental Reimbursement
Loss of Use / Rental Alternative
Farmers provides an alternative to traditional rental coverage. Instead of requiring the policyholder to use the benefit only for a rental vehicle, the selected daily stipend can be used for other transportation expenses.
- Public transportation.
- Taxi services.
- Rideshare services.
- Rental vehicles.
- Daily stipend subject to selected limits.
Rental Car Reimbursement
Liberty Mutual Rental Car Reimbursement is designed to help keep the policyholder mobile after a covered accident.
- Rental expenses covered according to the selected daily limit.
- Rental arrangements can be managed through the Liberty Mutual app.
- Direct repair facilities can coordinate rental arrangements.
- Coverage depends on the selected policy limits.
Deductible Features: Farmers vs Liberty Mutual
| Deductible Feature | Farmers | Liberty Mutual |
|---|---|---|
| Declining Deductible | Eligible Farmers plans can reward claim-free renewals with deductible reductions. | Liberty Mutual uses its Deductible Fund instead of a traditional declining-deductible structure. |
| Deductible Fund | Not the same named program. | The Liberty Mutual Deductible Fund adds money to a fund each year that can be used to reduce the deductible after a qualifying collision claim. |
| Glass Deductible | Glass Deductible Buyback or $100 glass deductible options may be available. | Glass-related coverage depends on the selected policy and state. |
How the Liberty Mutual Deductible Fund Works
Liberty Mutual’s Deductible Fund is an optional coverage designed to build funds that can be used to reduce the policyholder’s deductible when a qualifying claim occurs.
- The policyholder contributes $30 per year.
- Liberty Mutual contributes $70 per year.
- The fund receives $100 per year under the stated structure.
- The fund can continue accumulating after five years.
- Collision coverage with a deductible is required.
Actual availability and terms are subject to the applicable policy and state requirements.
Liberty Mutual Lifetime Repair Guarantee
Lifetime Repair Guarantee
Liberty Mutual lists a Lifetime Repair Guarantee among its auto insurance coverage options. The program is associated with qualifying repairs performed through participating or approved repair facilities according to the applicable terms.
Farmers also provides repair-related protections and OEM/new original parts options, so drivers should compare the actual repair network, parts provisions and warranty terms attached to their policy.
Discounts and Potential Savings
Common Savings Opportunities
- Signal participation and safe-driving savings.
- Multi-policy discounts.
- Multi-vehicle discounts.
- Safe-driver discounts.
- Good-student discounts.
- Automatic payment and EFT-related savings.
- GroupSelect discounts for qualifying groups.
Farmers states that it offers more than 20 discount options, although eligibility varies by state and policy.
Common Savings Opportunities
- RightTrack-related savings where available.
- Multi-policy bundling.
- Violation-free and safe-driving discounts.
- Discounts based on driver characteristics.
- Vehicle-related discounts.
- Purchase and payment-related discounts where applicable.
Liberty Mutual states that discounts vary by state, coverage and eligibility.
Telematics: An Important Difference for Drivers
Premium Can Change
Farmers states that riskier driving behavior can raise the premium at renewal under applicable Signal programs.
Score at Renewal
Liberty Mutual states that the driving score is reviewed at policy renewal and applied to applicable coverages according to the program and state.
Read the Program Terms
Drivers should check exactly what data is collected, how the score is calculated, what discount applies and whether driving behavior can affect renewal pricing.
Which Features May Matter to Different Drivers?
Farmers vs Liberty Mutual: How to Compare Your Actual Quote
Insurance pricing cannot be determined accurately from a company-wide advertised rate. Your actual premium can depend on your state, ZIP code, vehicle, driving record, claims history, coverage limits, deductibles and other underwriting factors.
Match the Coverage
Request the same liability limits, collision and comprehensive deductibles, uninsured motorist coverage and optional protections.
Compare the Features
Look beyond the base premium and compare replacement protection, accident forgiveness, OEM parts, roadside assistance and rental coverage.
Compare the Final Premium
Compare the actual quoted price after all applicable discounts and selected coverage options are applied.
Questions to Ask Before Choosing a Policy
- Is the coverage available in my state?
- Does my vehicle qualify for new car or better car replacement?
- What vehicle age and mileage requirements apply?
- Does Accident Forgiveness apply to my policy?
- Can OEM parts be used for covered repairs?
- What deductible applies to collision and comprehensive claims?
- Does the insurer offer a deductible reduction program?
- How much rental or alternative transportation coverage do I have?
- Can telematics affect my premium at renewal?
- What driving information does the telematics app collect?
- What roadside services are included?
- Which discounts actually apply to my policy?
Frequently Asked Questions
What is the main difference between Farmers and Liberty Mutual auto insurance?
Both insurers provide standard auto insurance and optional protections. Farmers emphasizes features such as Signal, Farmers Flex, Vehicle Replacement Plus, OEM parts, accident forgiveness and rental alternatives. Liberty Mutual offers RightTrack, Better Car Replacement, New Car Replacement, Original Parts Replacement, Accident Forgiveness, Deductible Fund and repair protection.
Does Farmers offer a safe-driving program?
Yes. Farmers Signal is a smartphone-based telematics program that monitors selected driving behavior. Farmers states that safe driving can lead to savings while riskier driving can raise the premium at renewal under applicable programs.
Does Liberty Mutual offer a safe-driving program?
Yes. Liberty Mutual RightTrack evaluates driving behavior such as braking, acceleration and time of day. The driving score is reviewed at renewal under the applicable program.
Does Farmers offer new car replacement?
Yes. Farmers offers New Car Replacement and Vehicle Replacement Plus. Vehicle eligibility, age, mileage and exact benefits vary by state and policy.
Does Liberty Mutual offer new car replacement?
Yes. Liberty Mutual offers New Car Replacement for qualifying newer vehicles. It also offers Better Car Replacement for eligible vehicles, including a replacement vehicle one model year newer with 15,000 fewer miles under the applicable coverage.
Does Farmers offer accident forgiveness?
Yes. Farmers offers Accident Forgiveness. Depending on the applicable policy, Farmers states that one at-fault accident can be forgiven after qualifying periods or when the feature is included.
Does Liberty Mutual offer accident forgiveness?
Yes. Liberty Mutual offers Accident Forgiveness as an optional benefit for qualifying policyholders. Requirements and availability vary.
Does Farmers offer OEM parts coverage?
Yes. Farmers offers OEM or New Original Parts coverage in qualifying circumstances and states that OEM coverage can be available on cars up to 10 years old.
Does Liberty Mutual offer OEM parts coverage?
Yes. Liberty Mutual offers Original Parts Replacement, also known as OEM coverage, as an optional coverage. When OEM parts are unavailable, other qualifying parts may be used according to the coverage terms.
Does Liberty Mutual have a deductible savings program?
Yes. Liberty Mutual offers the Deductible Fund. Under its stated structure, the customer contributes $30 per year and Liberty Mutual contributes $70, creating a $100 annual fund that can be used to reduce a qualifying deductible.
Can Farmers and Liberty Mutual prices be compared directly?
Yes, but the quotes should use identical driver information, vehicle information, liability limits, deductibles and optional coverages. Different underwriting and rating factors can produce different final premiums.
Explore Farmers and Liberty Mutual
Farmers Auto Insurance
Explore the Farmers company page on Newest Cars Insurance for more information about its auto insurance coverage and features.
View Farmers Auto Insurance →Liberty Mutual Auto Insurance
Explore the Liberty Mutual company page on Newest Cars Insurance for more information about its auto insurance coverage and features.
View Liberty Mutual Auto Insurance →More Auto Insurance Comparisons
“`Compare the Policy, Not Just the Price
Farmers and Liberty Mutual offer different combinations of vehicle replacement, telematics, accident forgiveness, repair protection, roadside assistance, rental coverage and deductible features. Comparing the same coverage limits and optional benefits can provide a much clearer picture of the policy you are actually considering.
Farmers Insurance Liberty Mutual Insurance “`