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Farmers Insurance vs Liberty Mutual

On overall TruNorth grade, Liberty Mutual scores higher (Farmers Insurance: D, Liberty Mutual: C). Both graded from public records across nine values categories.

D
Farmers Insurance
33.2/100
C
Liberty Mutual
45.4/100

Political donations

Farmers Insurance

FEC: $73K PAC donations; 59% to Republican, 41% to Democratic committees.

Liberty Mutual

FEC: $25K PAC donations; 86% to Republican, 14% to Democratic committees.

Environment

Farmers Insurance

No public record found.

Liberty Mutual

Insure Our Future 2024 scorecard: 1.5/10 (weak). Sub-scores: coal underwriting moderate; oil & gas underwriting very-weak. Liberty Mutual: 2020 coal phase-out targets but no meaningful oil and gas restrictions; remains a top US insurer of the fossil-fuel sector.

Labor

Farmers Insurance

39 federal penalties totaling $242.1M since 2000 (Violation Tracker).

Liberty Mutual

209 federal penalties totaling $67.0M since 2000 (Violation Tracker).

DEI

Farmers Insurance

No public record found.

Liberty Mutual

No public record found.

Charity

Farmers Insurance

No public record found.

Liberty Mutual

$40M reported corporate giving in 2024 (~0.09% of revenue) via Liberty Mutual Foundation. Operates the Liberty Mutual Foundation Inc: $52.2M in charitable contributions, gifts & grants paid (FY2023, IRS Form 990-PF).

Animal testing

Farmers Insurance

No public record found.

Liberty Mutual

No public record found.

Firearms

Farmers Insurance

No public record found.

Liberty Mutual

No public record found.

Privacy

Farmers Insurance

No public record found.

Liberty Mutual

No public record found.

Executive pay

Farmers Insurance

NAIC Complaint Index 1.11 (above the 1.00 US peer average). FL OIR: Florida market-conduct exam — Farmers' July 2023 announcement to discontinue Florida auto-and-home coverage entirely triggered consumer-protection review.

Liberty Mutual

NAIC Complaint Index 1.34 (well above the 1.00 US peer average). MA DOI: $2.7M MA Division of Insurance penalty — failure to honor mandated rate refunds during COVID-19 declared emergency.

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