Which is cheaper, Liberty Mutual or Root Insurance?

Root Insurance is typically cheaper, averaging around $1,462/yr nationally vs $2,091/yr. Rates vary by ZIP, credit score, and driver profile — enter your ZIP above to see actual ranked rates for your area.

Is Liberty Mutual or Root Insurance better for young drivers?

Root Insurance is better for young drivers. Liberty Mutual adds +20% for drivers 18-24 while Root Insurance adds -4%. The difference compounds quickly on young-driver surcharges.

Which has a better complaint record, Liberty Mutual or Root Insurance?

Root Insurance has fewer complaints — an NAIC ratio of 0.68 vs 2.86. An NAIC ratio below 1.0 means fewer complaints than the industry average.

Liberty Mutual vs Root Insurance: which should I choose?

Choose Liberty Mutual if you value new car replacement coverage. Choose Root Insurance if you value safe drivers penalized by traditional pricing. Enter your ZIP above to compare actual ranked rates for your specific location and driver profile.

Liberty Mutual vs. Root Insurance (2026) — Which Is Cheaper?

Overall verdict

Even match — Liberty Mutual vs. Root Insurance

Both carriers are competitive. Your best rate depends entirely on your ZIP and profile.

Side-by-side comparison

Feature	Liberty Mutual	Root Insurance	Winner
Avg annual rate	~$2,091/yr	~$1,462/yr	✓ Root Insurance
NAIC complaint ratiolower = fewer complaints vs. industry avg	2.86 — poor	0.68 — excellent	✓ Root Insurance
Credit: excellentrate change for excellent credit	-15%	-2%	✓ Liberty Mutual
Credit: fair / poorrate change for fair credit	+35%	+8%	✓ Root Insurance
Young drivers · 18–24surcharge vs 35–54 baseline	+20%	-4%	✓ Root Insurance
Drivers 55+discount vs 35–54 baseline	-6%	+3%	✓ Liberty Mutual
Homeowner discount	-6%	No change	✓ Liberty Mutual
Multi-policy discount	-5%	-2%	✓ Liberty Mutual
Lapsed coverage penaltysurcharge for coverage gap	+20%	+20%	—
How to buy	Online + agent	Online / phone only	—
Telematics program	RightTrack	Root App (required)	—

Who wins by driver profile

See who ranks cheapest for your ZIP

Compare Liberty Mutual, Root Insurance, and all carriers in your area.

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About Liberty Mutual

Highest complaint ratio among major carriers. Broad coverage options but consistently the most expensive major carrier. In this comparison, Liberty Mutual has the advantage on excellent-credit rate, 55+ rate, homeowner discount. Best for: New car replacement coverage.

→ Full Liberty Mutual review

About Root Insurance

Telematics-only carrier — your rate is based on how you drive, not your age or credit. Available in ~35 states. In this comparison, Root Insurance has the advantage on avg rate, complaints, fair-credit rate. Best for: Safe drivers penalized by traditional pricing.

→ Full Root Insurance review

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