Liberty Mutual vs GEICO

GEICO is significantly cheaper — $1,200/yr vs $1,950/yr on average. That's $750/year in savings. Liberty Mutual's RightTrack can earn up to 30% discount but still rarely beats GEICO's base rate.

If your car is totaled, Liberty Mutual pays for a car one model year newer with 15,000 fewer miles than your totaled vehicle — instead of just the depreciated value. This is valuable for newer car owners. GEICO does not offer this.

Both are competitive. Liberty Mutual's RightTrack monitors for 90 days then sets your discount (up to 30%). GEICO's DriveEasy is ongoing and can earn continuous savings. DriveEasy is easier to use and has better app integration.