Driver type Liberty Mutual liability-only monthly premium Liberty Mutual full coverage monthly premium Clean driving record $128 $206 Speeding ticket on driving record $166 $268 At-fault accident on driving record $171 $275 DUI on driving record $184 $295 Teen driver $215 $345 Senior driver (60s) $102 $164 Senior driver (70s) $99 $159 Data sourced from Insurify GEICO's average quote for liability-only coverage for drivers with clean records is just $79, while Liberty Mutual's is $128; and GEICO's average liability quote for drivers with DUIs is $113 compared to Liberty Mutual's $184. Liberty Mutual GAP insurance is similar to, but not the same as, the insurer's new car replacement insurance.