The comparison
| Liberty Mutual | Farmers | |
|---|---|---|
| Our score | 7.4 / 10 | 7.8 / 10 |
| Partner? | Yes | Yes |
| Average price | Above national average | Above national average |
| How you buy | Online, phone, independent agents | Mostly local Farmers agents, plus online |
| Telematics | RightTrack, up to 30%, locked in | Signal app, up to 15% at renewal, not locked |
| Bundling | Strong | Strong; a Farmers agent writes home and auto together |
| Claims satisfaction (J.D. Power 2025) | Above average | Around average |
| Regulator complaints | Above expected | Around expected |
| Best for | Self-serve customizers, careful drivers | Homeowners who want an agent |
Pick Farmers if
You want a person. Farmers' local agent model is its real product: someone who knows the state's rules, can adjust coverage when your life changes, and picks up the phone after a claim. That's worth paying for if you own a home, have teen drivers, or have been burned by a call center. Farmers also scores a 9 on fit in our rubric because its coverage menu for homeowners who bundle is broad and its discounts stack well.
Pick Liberty Mutual if
You'd rather do it yourself. Liberty Mutual's online builder lets you add or drop pieces individually and see the price change, and RightTrack's up-to-30% discount is both larger than Signal's and locked in once earned. If you're a careful driver who commutes in daylight, that single feature can make Liberty Mutual the cheaper of the two by a wide margin. The tradeoffs are the ones in the review: more complaints than expected and a poor repair-shop grade.
Paid partner links · WiseIQ earns a commission if you request a quote. Rates and availability vary by state and profile. Every carrier on this page is scored on the same five criteria on our car insurance scoreboard.
If you own a home
This is the comparison that matters for most people choosing between these two, because both make their money on bundles. Get both carriers' home and auto quotes together. Farmers' agent will typically present one combined number; Liberty Mutual will show the auto quote with the multi-policy discount applied once you add the home policy. Compare the combined annual total, the home deductible (watch for percentage deductibles on wind and hail), and whether the auto policy includes the add-ons you'd actually use. A $200 cheaper auto premium can hide a $400 more expensive home policy.
If you rent
Both bundle renters with auto. Liberty Mutual's renters policies start low and the bundle discount applies; Farmers' renters pricing is competitive but you'll usually go through the agent. Our renters insurance guide covers what the policy should include.