120+ more)
)
8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Featured in
){kind=logo}
){kind=small}
){kind=logo}
)
)
15+ years in content creation
7+ years in business and financial services content
Featured in
){kind=small}
){kind=small}
){kind=small}
){kind=small}
)
)
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
)
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Updated
As two of the largest insurers in the U.S., Liberty Mutual and Travelers offer everything you’d expect from a car insurance company, including comprehensive coverage, standard discounts, telematics programs that reward safe driving, and solid customer satisfaction.[1]
The differences between the companies might seem minimal at first, but each stands out in its own way. For example, Liberty Mutual offers hard-to-find insurance coverage for expensive repairs, while Travelers offers lower rates and generous discounts.
Here, you can learn more about each insurer to better understand if one is right for you.
Travelers has lower rates for nearly every type of driver, but Liberty Mutual is cheaper for teens.
Both companies have a higher-than-average number of complaints, according to the National Association of Insurance Commissioners (NAIC).[2]
Liberty Mutual doesn’t offer rideshare coverage, and Travelers only offers it in a few states.
Liberty Mutual is the best pick if you want hard-to-find coverage options, like original parts replacement. It’s also the clear winner for extra protection if you drive an expensive vehicle. But Travelers is a better fit if you want cheap rates and a lifetime discount for safe driving. The company’s highly rated telematics program also offers generous rewards.
Both insurers have high customer satisfaction, according to J.D. Power, and excellent financial strength, per AM Best, so you can’t go wrong with either.[3] Figuring out your priorities and comparing personalized quotes are among the most effective ways to find the right insurer.
 |  |
|---|---|
Average price $167/mo* | Average price $144/mo* |
Overall rating | Overall rating |
Value for money | Value for money |
Customer service | Customer service |
Claims handling | Claims handling |
Special highlight Numerous discountsAI-generated from 4208 user reviews | Special highlight Numerous discountsAI-generated from 1672 user reviews |
| User Reviews | 3.5 |
|---|---|
| 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. | 8.4 /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. | $128/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. | $206/mo |
Liberty Mutual's score | Industry average | |
|---|---|---|
| Coverage options | 3.6 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.3 | 2.9 |
| Policy transparency | 3.4 | 3.1 |
| Value | 3.0 | 2.9 |
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.
Liberty Mutual has impressive coverage that extends beyond the basics. You can get hard-to-find options like original parts replacement, lifetime repair guarantee, and better car replacement.
If you’re willing to spend more to enhance your coverage, Liberty Mutual is a solid pick. It’s not the cheapest insurer, but the higher rates come with excellent financial strength and above-average customer satisfaction.
Unique coverage options
Many available discounts
High customer satisfaction rating
Rideshare coverage not available
More expensive rates
Above-average number of complaints
| User Reviews | 4.6 |
|---|---|
| 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. | 8.5 /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. | $191/mo |
Travelers's score | Industry average | |
|---|---|---|
| Coverage options | 4.6 | 3.2 |
| Customer service | 4.6 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.6 | 3.1 |
| Value | 4.3 | 2.9 |
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
Travelers has surprisingly low rates and a generous telematics program that provides a lifetime discount after tracking your driving for 90 days. It’s an excellent insurer for budget-conscious drivers who want to earn a discount from the IntelliDrive app. The coverage options are pretty basic, but Travelers earns high ratings for customer satisfaction and financial strength.
Affordable rates
Generous telematics program
Rewards safe driving
Basic coverages
Limited discounts
Higher-than-expected number of complaints
Travelers is cheaper than Liberty Mutual for most drivers. The exact cost depends on your driving history, location, age, and other factors. Here’s a look at the average rates for different driver categories. All rates are for full coverage unless otherwise specified.
Driver Type | Liberty Mutual | Travelers |
|---|---|---|
| Adult drivers | $220 | $175 |
| Liability-only coverage | $128 | $96 |
| Full coverage | $206 | $191 |
| Drivers with a speeding ticket | $267 | $256 |
| Drivers with a DUI | $297 | $275 |
| Drivers with an at-fault accident | $275 | $264 |
| Poor credit drivers | $236 | $234 |
| Good credit drivers | $156 | $164 |
| Teen drivers | $345 | $442 |
| Senior drivers | $164 | $140 |
Compare rates from the nation’s leading insurance companies
Travelers’ average rates are more expensive than Liberty Mutual’s. But the company makes up for it by offering additional discounts. Both insurers offer standard discounts such as multi-car, multi-policy, and good student discounts.
Drivers with a new car can get a better deal with Travelers’ discounts. Military members can usually find lower rates with Liberty Mutual.
Here, you can see the discounts available from each insurer.
Discount | Liberty Mutual | Travelers |
|---|---|---|
| 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 | ✖ | ✖ |
Liberty Mutual and Travelers are identical in many categories. But Liberty Mutual earns a higher customer satisfaction rating, according to J.D. Power, and Travelers earns a higher Insurify Quality (IQ) Score based on Insurify’s rating system. Liberty Mutual has more helpful representatives, while Travelers has a smoother claims experience, according to customer reviews.
Score | Liberty Mutual | Travelers |
|---|---|---|
| IQ Score | 8.4 | 8.5 |
| Customer reviews | 3.5/5 (215 reviews) | 4.6/5 (215 reviews) |
| J.D. Power | 730/1,000 | 691/1,000 |
| AM Best rating | A (Excellent) | A+ (Superior) |
| NAIC complaint index | 4.21 | 3.97 |
| BBB customer reviews | 1.08 out of 5 | 1.05 out of 5 |
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Insurify collects reviews from people who use the site to compare quotes and switch insurers. We ask about their previous insurer and how things are going with the new one. Here’s a look at what drivers say about Liberty Mutual.
Insurify collects reviews from real, verified consumers to make it easier for shoppers to compare options. The following reviews can provide more information about whether Travelers is the right insurer for you.
Liberty Mutual and Travelers both have optional telematics programs that monitor your driving in exchange for a discount. You can save up to 30% with both programs just by signing up.
The programs are similar, but you might not be able to sign up for Liberty Mutual RightTrack, since it’s only available in a few U.S. states. RightTrack 90-day, a short-term tracking program with fewer features, is available in nearly every state. The maximum discount is the same for both RightTrack programs.
The most significant difference between the programs is that Travelers IntelliDrive gives you the discount for the life of the policy, and you never need to use the app again. But the same is also true if your driving leads to a rate increase.
Feature | Liberty Mutual RightTrack | Travelers IntelliDrive |
|---|---|---|
| Best for | Drivers who want a simple program with no upkeep | Drivers who want short-term tracking with a lifetime discount |
| Savings potential | Up to 30% based on driving behavior | Up to 30% at policy renewal |
| How it works | Continuously collect driving data and discount updates every year | Collects driving data for 90 days, and discount applies for the life of the policy |
| Availability | 14 states (very limited availability) | 29 states (limited availability) |
| Data tracked | Braking, nighttime driving, rush hour driving, frequency at lower speeds, and distraction | Time of day, braking, speed, distraction, and acceleration |
| App rating (App Store/Google Play) | 4.8/4.6 | 4.6/4.3 |
| Average discount for good drivers | 15%–30% | 25% |
| Driver feedback tools | Driver dashboard, leaderboard, trip details | Distraction-free “streaks” and dashboard |
| Gamified rewards | ✔ (not available for RightTrack 90-day) | ✔ (drivers can compete for “streaks”) |
| Compatibility | Smartphone app only | Smartphone app only |
Check quotes from 120+ top insurance companies
Liberty Mutual and Travelers have nearly identical coverage, with standard options like collision coverage and hard-to-find add-ons like gap insurance.
Liberty Mutual offers a more generous new car replacement policy but doesn’t cover rideshare drivers at work. Travelers offers limited rideshare coverage in some states. Neither insurer offers classic car coverage.
Coverage | Liberty Mutual | Travelers |
|---|---|---|
| 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 | ✖ | ✔ |
| Original parts replacement | ✔ | ✖ |
| New car replacement | ✔ | ✔ |
| Lifetime repair guarantee | ✔ | ✖ |
Here are answers to some of the most common questions about Liberty Mutual and Travelers, plus some additional guidance for how to decide between the insurers.
Travelers is cheaper than Liberty Mutual for nearly every driver type. The only exception is that Liberty Mutual is more affordable for teenage drivers.
Yes. Liberty Mutual has an AM Best rating of A (Excellent), indicating solid financial strength to pay claims. The company also earns third place for claims satisfaction in the J.D. Power U.S. Auto Claims Satisfaction Study.
Liberty Mutual has higher customer satisfaction. Both companies earn above-average scores in some regions, according to the J.D. Power U.S. Auto Insurance Study, but Liberty Mutual has higher overall ratings.
No. GEICO doesn’t own Liberty Mutual. Liberty Mutual is a mutual company, meaning policyholders — not investors — own the company.
Yes. Travelers is a reputable company with strong financial standing and a 170-year history. The company has an AM Best rating of A+ (Superior), which indicates it has the financial resources to pay claims.
Insurify data scientists analyzed more than 250 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
)
)
)
)
)
)
)
)
)
8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Featured in
15+ years in content creation
7+ years in business and financial services content
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
7+ years experience in data analysis
Ph.D. in Computational Biology
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
