Liberty Mutual vs State Farm
On overall TruNorth grade, Liberty Mutual scores higher (Liberty Mutual: D, State Farm: F). Both graded from public records across nine values categories.
Political donations
FEC: $25K PAC donations; 86% to Republican, 14% to Democratic committees.
No FEC PAC contributions on record.
Environment
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.
No public record found.
Labor
209 federal penalties totaling $67.0M since 2000 (Violation Tracker).
94 federal penalties totaling $1.5B since 2000 (Violation Tracker).
DEI
No public record found.
No public record found.
Charity
$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).
$110M reported corporate giving in 2024 (~0.13% of revenue) via State Farm Companies Foundation.
Animal testing
No public record found.
No public record found.
Firearms
No public record found.
No public record found.
Privacy
No public record found.
CFPB consumer complaints: 929 on record; 98% timely response rate.
Executive pay
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.
NAIC Complaint Index 0.51 (well below the 1.00 US peer average). CA DOI: CA Department of Insurance opened market-conduct review after State Farm announced non-renewal of 30,000+ California homeowner policies citing wildfire risk.
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