Liberty Mutual vs. Nationwide: Which Insurance Company Is Better in 2026?
Liberty Mutual offers a variety of discounts, while Nationwide has lower average insurance premiums.
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Written byMiranda Marquit
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Co-hosts the Money Talks News podcast
MBA from Utah State University
Miranda is a financial writer and avid podcaster with nearly two decades of experience contributing to major outlets, including Forbes, The Hill, and NPR.
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Edited byKatie Powers
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Table of contents
Liberty Mutual and Nationwide Insurance are two well-known companies that offer auto insurance, as well as a range of other insurance products.
Liberty Mutual holds 3% of the market share for car insurance in the U.S., while Nationwide has 1%, according to the National Association of Insurance Commissioners (NAIC).[1] Liberty Mutual offers slightly more discounts and insurance coverages, but Nationwide has a higher customer satisfaction ranking and fewer customer complaints.
It’s always a good idea to compare insurance rates, coverages, discounts, and customer satisfaction ratings to help you decide the right insurance company for your auto insurance needs. Here’s what you should know about coverage offerings from Liberty Mutual and Nationwide.
Quick Facts
On average, Liberty Mutual policyholders pay $153 per month for liability coverage and $209 for full coverage.
Nationwide drivers pay a monthly average of $96 for liability coverage and $182 for full-coverage insurance.
Both Liberty Mutual and Nationwide have above-average rankings in the J.D. Power 2025 U.S. Auto Claims Satisfaction Study.[2]
Liberty Mutual vs. Nationwide: Our verdict
Both Liberty Mutual and Nationwide offer extensive coverage options and a range of discounts, making them both great choices for many drivers. The right insurance company for you will depend on what you value from an auto insurance company.
Choose Liberty Mutual if you’re interested in multiple discounts and want access to an integrated telematics program that tracks your driving habits to save on your premium. Nationwide is a better fit if you’re interested in a company with fewer customer complaints, higher customer satisfaction, and lower overall premiums.
When deciding between Liberty Mutual and Nationwide, it’s important to compare personalized insurance quotes, coverages, and other factors to determine which one is the best insurer for your needs and budget.
Liberty Mutual vs. Nationwide
 |  |
|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $181/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $139/mo* |
Overall rating 3.4 | Overall rating 4.3 |
Value for money 3.0/5 | Value for money 3.7/5 |
Customer service 3.3/5 | Customer service 4.0/5 |
Claims handling 3.5/5 | Claims handling 4.2/5 |
Special highlight Numerous discountsAI-generated from 1842 user reviews | Special highlight Usage-based savingsAI-generated from 505 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
Liberty Mutual: Best for discounts
| User Reviews | 3.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $153/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $209/mo |
3.4
A solid optionBased on 3,367 verified guest reviews and ratings
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,842)
Louise
Verified Review
Customer service representatives are always helpful
Reviewed in California on January 2026
Excellent customer service.
Jacqueline
Verified Review
Price Hacking
Reviewed in Michigan on January 2026
Prices on homeowners insurance doubled after refinancing.
Mh
Verified Review
He who has the gold rules
Reviewed in Arizona on January 2026
Get insurance where you can decide how much coverage you want. I have two cars: an 11-year-old car and a 2023 model. I wanted minimum coverage for the 11-year-old car and full coverage for the 2023. But Liberty did not let me decide for my 11-year-old car. They had their rules set for their benefit.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
612NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.28A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Liberty Mutual Insurance offers a few more discounts than Nationwide. Liberty Mutual has a telematics program that can save up to 30% on premiums, as well as a program that offers savings for low-mileage drivers.
Liberty Mutual also provides accident forgiveness, which is an extra coverage option that allows you to protect your premium if you’re in an accident. You typically receive forgiveness for one accident every five years.
Pros
Accident forgiveness for qualifying drivers
Robust auto discounts
Can save on premiums when you enroll in one of two telematics programs
Cons
Above-average car insurance premiums
Higher-than-average number of complaints with the NAIC
Mixed customer satisfaction ratings
Nationwide: Best for lower premiums
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $96/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $182/mo |
4.3
Best choiceBased on 918 verified guest reviews and ratings
How drivers feel about Nationwide
Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
How drivers feel about Nationwide
Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
Reviews (505)
Mildred
Verified Review
Too Expensive
Reviewed in New York on January 2026
I have no points against my license, yet my policy continues to increase. Their answer is always the cost of living. Am I paying for their cost increase? This is ridiculous. My insurance went up this year alone from $155 to $172. I don't understand, but I'm definitely looking to find something cheaper.
George
Verified Review
Good service but too expensive.
Reviewed in Oregon on January 2026
I like their service, but they are too expensive.
William
Verified Review
Very happy with the coverage, no claims. Over 3 years, the cost went from $700.00 to over $1400.00. No violations, no tickets, same car, less than 7,000 miles per year. Hard to justify any increase in cost.
Reviewed in New York on January 2026
Very happy with the coverage, no claims. Over 3 years, the cost went from $700.00 to over $1400.00. No violations, no tickets, same car, less than 7,000 miles per year. Hard to justify any increase in cost.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
641NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Nationwide has lower average premiums than Liberty Mutual. While Nationwide doesn’t offer as many discounts as Liberty Mutual, its lower premiums might make up for this. It’s easy to bundle coverage with Nationwide for a one-stop shopping experience.
Nationwide consistently has a strong financial rating from AM Best and other ratings agencies. Nationwide also offers a telematics program with online tools that can help you save up to 40% on your premiums, along with a pay-per-mile program.
Pros
Telematics program can potentially reduce your premiums
Excellent AM Best financial strength rating
Competitive pricing, even for drivers with lower credit
Cons
Coverage not available in Alaska, Hawaii, Louisiana, and Massachusetts
Fewer discounts than some competitors
Rideshare insurance not available
Nationwide vs. Liberty Mutual: Which is cheaper?
How much you pay for auto insurance will depend on your age, coverage level, driving record, credit history, and more.[3]
Below, you can compare average rates from Liberty Mutual and Nationwide for different driver types and coverage levels. The quotes below reflect average monthly liability insurance costs unless otherwise specified.
Driver Type  | Liberty Mutual | Nationwide |
|---|---|---|
| Adult drivers | $230 | $160 |
| Liability-only coverage | $153 | $96 |
| Full coverage | $209 | $182 |
| Drivers with a speeding ticket | $197 | $128 |
| Drivers with a DUI | $225 | $141 |
| Drivers with an at-fault accident | $205 | $130 |
| Poor credit drivers | $176 | $116 |
| Good credit drivers | $114 | $85 |
| Teen drivers | $358 | $381 |
| Senior drivers | $169 | $122 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Liberty Mutual vs. Nationwide car insurance discounts
Liberty Mutual offers a few more car insurance discounts than Nationwide, though Nationwide has lower average premiums.
While both companies offer good student discounts, only Liberty Mutual offers a discount for a child attending school away from home. Liberty Mutual also offers a loyalty discount for customers who renew their insurance policy before it ends.
Both insurers offer telematics and low-mileage programs, which can help you further reduce your rates based on your driving habits.
You can compare discounts from Liberty Mutual and Nationwide in the table below.
Discount | Liberty Mutual | Nationwide |
|---|---|---|
| Safe driver | ✔ | ✔ |
| Defensive driving course | ✔ | ✔ |
| Multi-policy | ✔ | ✔ |
| Multi-car | ✔ | ✔ |
| Low mileage | ✔ | ✔ |
| Telematics | ✔ | ✔ |
| Anti-theft device | ✔ | ✔ |
| New car | ✔ | ✖ |
| Military/affiliation | ✔ | ✖ |
| Good student | ✔ | ✔ |
| Loyalty | ✔ | ✖ |
| Auto pay | ✔ | ✔ |
| Student away at school | ✔ | ✖ |
| Homeowner | ✔ | ✖ |
| Alternative fuel | ✖ | ✖ |
| Pay in full | ✖ | ✖ |
Compare customer satisfaction and financial strength
Both Liberty Mutual and Nationwide have excellent financial strength ratings from AM Best, indicating a high degree of financial stability. Nationwide ranks better for customer satisfaction and has fewer customer complaints. Both car insurance companies have similarly low Better Business Bureau (BBB) customer reviews.
See how the insurers stack up in customer satisfaction and financial strength ratings.
Score | Liberty Mutual | Nationwide |
|---|---|---|
| IQ Score | 7.7 | 9.0 |
| Customer reviews | 3.4/5 (3,351 reviews) | 4.3/5 (915 reviews) |
| J.D. Power | 617 | 645 |
| AM Best rating | A | A |
| NAIC complaint index | 4.20 | 0.70 |
| BBB customer reviews | 1.08 out of 5 | 1.12 out of 5 |
Recent customer reviews of Liberty Mutual car insurance
Liberty Mutual has mixed reviews online, receiving 1.4 stars out of 5 on Trustpilot. We also collect verified reviews from customers to provide insight into how people feel about this insurance company and its claims handling. Take a look below.
Louise
Verified Review
Customer service representatives are always helpful
Reviewed in California on January 2026
Excellent customer service.
Jacqueline
Verified Review
Price Hacking
Reviewed in Michigan on January 2026
Prices on homeowners insurance doubled after refinancing.
Mh
Verified Review
He who has the gold rules
Reviewed in Arizona on January 2026
Get insurance where you can decide how much coverage you want. I have two cars: an 11-year-old car and a 2023 model. I wanted minimum coverage for the 11-year-old car and full coverage for the 2023. But Liberty did not let me decide for my 11-year-old car. They had their rules set for their benefit.
Deborah
Verified Review
Good
Reviewed in Washington on January 2026
Still expensive for full coverage. Hoping to find full coverage with a more reasonable cost.
…
Recent customer reviews of Nationwide car insurance
Nationwide also has mixed reviews, with the same Trustpilot rating of 1.4 out of 5 stars. Find out more about how customers feel by reading the following verified customer service reviews.
Mildred
Verified Review
Too Expensive
Reviewed in New York on January 2026
I have no points against my license, yet my policy continues to increase. Their answer is always the cost of living. Am I paying for their cost increase? This is ridiculous. My insurance went up this year alone from $155 to $172. I don't understand, but I'm definitely looking to find something cheaper.
George
Verified Review
Good service but too expensive.
Reviewed in Oregon on January 2026
I like their service, but they are too expensive.
William
Verified Review
Very happy with the coverage, no claims. Over 3 years, the cost went from $700.00 to over $1400.00. No violations, no tickets, same car, less than 7,000 miles per year. Hard to justify any increase in cost.
Reviewed in New York on January 2026
Very happy with the coverage, no claims. Over 3 years, the cost went from $700.00 to over $1400.00. No violations, no tickets, same car, less than 7,000 miles per year. Hard to justify any increase in cost.
Margaret
Verified Review
Looking for new insurance
Reviewed in Pennsylvania on January 2026
They're expensive unless you get liability. I'm looking for new coverage that's cheaper.
…
Liberty Mutual RightTrack vs. Nationwide SmartRide
Nationwide and Liberty Mutual both offer telematics programs that track your driving habits and offer discounts for safe driving, but Nationwide’s potential discount is higher than Liberty Mutual’s. Nationwide requires a separate app for its program, while Liberty Mutual includes it inside its standard mobile app.
Nationwide offers a discount of up to 25% with SmartRide, and you can potentially improve your discount with each renewal. Liberty Mutual RightTrack offers a discount of up to 30%, and you may be eligible for a 15% discount simply by enrolling.
It generally takes 90 days to achieve the full discount with RightTrack, while SmartRide takes about 80 days.
Good to Know
Telematics programs differ from pay-per-mile insurance. Pay-per-mile programs use a base rate and a flexible rate that varies based on the number of miles you drive. This means your premium might vary from month to month. If you don’t drive very often, you could likely save on coverage.
If you’re comfortable sharing your data with insurance companies, telematics programs can provide you with discounts and encourage safer habits. By tracking the way you drive, you can get data on whether you’re engaging in risky behaviors and improve your driving if needed.
Compare telematics programs from Liberty Mutual and Nationwide below.
Feature | Liberty Mutual RightTrack | Nationwide SmartRide |
|---|---|---|
| Best for | Drivers who want a bigger up-front premium savings and consistently drive safely | Drivers who want a bigger discount for driving safely on a regular basis |
| Savings potential | Up to 30% based on driving behavior | Up to 25% based on driving behavior |
| How it works | Uses the Liberty Mutual app on your smartphone to sense your speed, braking, and distractions | Uses your smartphone’s sensors to track speed, braking, and phone distractions, or uses a separate device to plug in under the dashboard |
| Availability | 38 states (limited availability) | 48 states (not available in California or New York) |
| Data tracked | Speed, acceleration, braking, mileage, phone use, nighttime driving, and distracted driving | Speed, braking, phone distractions, hard turns, and nighttime driving |
| App rating (App Store/Google Play) | 4.8/4.6 | 4.7/4.5 |
| Average discount for good drivers | 15%–30% | 10%–25% |
| Driver feedback tools | Real-time trip scoring and feedback | Personalized feedback to help you improve your driving habits |
| Gamified rewards | ✖ | ✖ |
| Compatibility | Smartphone app only | Smartphone app only |
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Compare coverages: Liberty Mutual vs. Nationwide
Both Liberty Mutual and Nationwide offer a wide range of auto insurance coverages. In addition to comprehensive, collision, and liability coverage, you can access policy add-ons like gap, roadside assistance, and classic car coverage.
Liberty Mutual customers can purchase rideshare insurance through the Uber or Lyft apps. Nationwide doesn’t offer coverage for rideshare drivers.
Compare the coverage offerings from the two insurers in the table below.
Coverage | Liberty Mutual | Nationwide |
|---|---|---|
| Bodily injury liability (BI) | ✔ | ✔ |
| Property damage liability (PD) | ✔ | ✔ |
| Personal injury protection (PIP insurance) | ✔ | ✔ |
| Underinsured/uninsured motorist coverage (UIM/UM) | ✔ | ✔ |
| Medical payments (MedPay) | ✔ | ✔ |
| Collision | ✔ | ✔ |
| Comprehensive | ✔ | ✔ |
| Roadside assistance | ✔ | ✔ |
| Rental reimbursement | ✔ | ✔ |
| Gap insurance | ✔ | ✔ |
| Classic car insurance | ✔ | ✔ |
| Rideshare insurance | ✔ | ✖ |
Liberty Mutual vs. Nationwide FAQs
The following information can help answer your remaining questions about car insurance from Liberty Mutual and Nationwide.
Which is cheaper: Liberty Mutual or Nationwide?
Nationwide generally has lower insurance premiums. But some drivers may be eligible for a lower premium if they qualify for Liberty Mutual discounts that Nationwide doesn’t offer.
For example, while you can bundle your home insurance with both Liberty Mutual and Nationwide, only Liberty Mutual offers a specific discount for homeowners. On average, liability insurance costs $153 per month from Liberty Mutual and $96 from Nationwide.
How does Liberty Mutual rank as an insurance company?
Liberty Mutual has an Insurify Quality (IQ) Score of 7.7 out of 10. It’s one of the top U.S. auto insurers, and it has an above-average J.D. Power claims satisfaction rating.
Is Liberty Mutual good at paying claims?
Liberty Mutual is one of the top three U.S. insurance companies for claims satisfaction, according to J.D. Power.[2] But some customer service ratings from unsatisfied customers cite issues with insurance claims. Liberty Mutual has a fairly easy claims process through its mobile app.
Do Nationwide members get a discount on insurance policies?
Yes. Several discounts are available to Nationwide members, including those for policy bundling, good students, and safe drivers enrolled in the telematics program. To learn about the discounts you may qualify for, reach out to an insurance agent for more details.
Which insurance company has the best reputation?
Both companies have similar reputations and ratings, but Nationwide has fewer complaints through the NAIC and slightly higher overall customer satisfaction ratings from J.D. Power. Liberty Mutual and Nationwide both have A (Excellent) financial strength ratings from AM Best.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- 2024 Top 25 Groups and Companies by Countrywide Premium. "National Association of Insurance Commissioners."
- J.D. Power. "Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, J.D. Power Finds."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
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Miranda Marquit Insurance Writer
Miranda Marquit, MBA, is a freelance financial writer covering various markets and topics since 2006. She has contributed to numerous media outlets, including Forbes, TIME, The Hill, NPR, HuffPost, Yahoo! Money, and more. Her work has been syndicated by MSN Money, Marketwatch, Credit.com, and other publications. She has written about insurance topics for Clearsurance, HealthCare.com, and various other websites. She is also an avid podcaster and co-hosts the Money Talks News podcast. Miranda has a Master’s Degree in Journalism from Syracuse University. Connect with her on LinkedIn.
Miranda has been a contributor at Insurify since October 2022.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.