Liberty Mutual vs. Travelers: Which Is the Best? (2024)

Travelers is the overall best choice thanks to its high Insurify Quality (IQ) Score and fewer customer complaints.

Jamie Johnson
Written byJamie Johnson
Jamie Johnson
Jamie Johnson
  • 6 years experience in personal finance writing

  • Featured on Credit Karma and Insider

Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

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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Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
  • 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.

Updated December 11, 2024

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Liberty Mutual and Travelers are two of the most popular car insurance companies for U.S. drivers, and both insurers offer low prices and a variety of coverages and discounts. Travelers received a higher financial strength rating of A++ (Superior) from AM Best, while Liberty Mutual ranked higher for customer satisfaction in the J.D. Power 2023 U.S. Insurance Shopping Study.[1]

It’s important to compare different rates, customer service, and available discounts when you’re researching insurance products to find the best deal. Here’s what you need to know about deciding on the best car insurance option for you.

Quick Facts
  • With a monthly average of $89, Travelers offers cheaper liability insurance than Liberty Mutual on average.

  • Liberty Mutual has cheaper full-coverage insurance, with an average monthly rate of $257.

  • Both companies offer policyholders the ability to bundle other insurance products with auto insurance, including home and renters insurance.

Liberty Mutual vs. Travelers: The verdict

Travelers car insurance is the better option for many drivers because of coverage offerings and strong customer satisfaction, as demonstrated in a below-average number of customer complaints filed with the National Association of Insurance Commissioners for a company of its size. But Liberty Mutual car insurance is still a solid option, thanks to lower full-coverage auto insurance rates and discounts.

Both companies offer similar types of coverage and operate nationwide.

Factor
Liberty Mutual
Travelers
IQ Score7.79.0
J.D. Power customer satisfaction score799 out of 1,000806 out of 1,000
Average quote: liability only$162$89
Number of discounts1312
Number of states where it operates5050
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • 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.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Liberty Mutual

Based in Boston, Liberty Mutual is the sixth-largest U.S. private passenger auto insurer by market share.[2] The company provides a wide variety of coverage options, including vanishing deductible and gap insurance. It earned an A (Excellent) financial strength rating from AM Best.

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User Reviews
2.8
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.
$162/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.
$257/mo

Liberty Mutual offers auto, homeowners, condo, renters, flood, life, and other insurance products. Auto policyholders can save with numerous discounts, including bundling, good student, military, student-away-at-school, claims-free, violation-free, and multi-car discounts. Liberty Mutual has an A rating for financial strength and credit from AM Best. The company often scores low for customer satisfaction and has more than three times the expected number of complaints from private auto policyholders, according to the National Association of Insurance Commissioners Consumer Complaint Index.

Pros
  • Wide range of available discounts

  • Accident forgiveness available

  • Available in all 50 states and D.C.

Cons
  • Many negative reviews and customer complaints

  • Premiums are relatively high compared to industry average

  • Low customer satisfaction scores from J.D. Power

Read more driver reviews of Liberty Mutual
Miriam - December 10, 2024
Verified

I have been with Liberty for years. They are cheaper than all the other companies that have given me a quote.

I have been with Liberty for years. They are cheaper than all the other companies that have given me a quote.

Mahesh - December 10, 2024
Verified

Paid $846 but Still Not Covered, Received No ID Tags

I paid the renewal fee of $846, but I couldn't sign in online for my policy.

Bonnie - December 9, 2024
Verified

Don't File a Claim

They lure you in with a low rate, only to increase the policy by $50 per year.

Travelers

In business for more than 165 years, Travelers is one of the oldest insurance companies selling car insurance. Travelers offers policyholders a range of discounts, including rewards for customer loyalty, driving a new car, and taking a defensive driving course. The company earned an A++ (Superior) financial strength rating from AM Best.

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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.
9.0/10
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.
$89/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 is the sixth-largest insurer in the U.S. by market share and has been in business for more than 150 years. The company sells auto, homeowners, renters, flood, pet, and other types of insurance. In addition to standard auto coverages, like liability, collision, and comprehensive coverage, Travelers offers gap insurance, accident forgiveness, new car replacement, and more optional coverages. Drivers can save with numerous discounts, including for bundling policies or insuring a new car. Travelers’ IntelliDrive program rewards policyholders with up to a 30% discount for safe driving.

Pros
  • Accident forgiveness available

  • Offers discount for hybrid and electric cars

  • A++ (Superior) financial strength rating from AM Best

Cons
  • Rideshare coverage not available in all states

  • High number of negative customer reviews with the Better Business Bureau

  • Higher-than-average number of complaints with the National Association of Insurance Commissioners

Read more driver reviews of Travelers
Thomas - December 10, 2024
Verified

Checking Rates

I have no problem with Travelers. I'm just looking to check rates with other insurance carriers.

Howard - December 3, 2024
Verified

Long Term Customer

The best discounts come from employment plans.

William D - December 2, 2024
Verified

Excellent

Just looking for a better rate.

Liberty Mutual RightTrack vs. Travelers IntelliDrive

When you sign up for Liberty Mutual RightTrack, you’ll automatically earn a 10% discount. After you sign up, you’ll download the RightTrack mobile app and track your driving for 90 days. Once you’ve completed the program, Liberty Mutual will determine your final score and potentially apply an additional discount to your insurance policy.

IntelliDrive from Travelers also rewards safe driving and could earn you a discount of up to 30%. While you’re driving, the mobile app measures your speed, acceleration, and braking. It also tracks the time of day when you drive. The app will collect your driving information for 90 days and use it to determine the type of discount you qualify for.

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Liberty Mutual vs. Travelers: Which is the cheapest?

The companies have similar average car insurance rates for U.S. drivers. However, Travelers has cheaper average liability coverage, at $89 per month. Liberty Mutual is the cheaper insurer for full-coverage insurance, with a monthly average of $257.

The amount you’ll pay depends on various factors, including your ZIP code, age, credit history, driving record, and marital status.

Travelers: Cheapest for drivers with a clean driving record

Good drivers pay the lowest rates for auto insurance compared to people with a history of speeding tickets or accidents. Travelers is the cheapest liability insurance option for people with a good driving history.

Driver Type
Liberty Mutual
Travelers
Clean driving record$162$89
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Travelers: Cheapest for drivers with a speeding ticket

You can expect to see your insurance rates increase after even one speeding ticket since your insurer will view you as a higher-risk driver than someone with a clean driving record. The amount your rates increase will depend on the severity of the ticket and your insurer.

Compare average liability auto insurance quotes from Travelers and Liberty Mutual below.

Driver Type
Liberty Mutual
Travelers
Drivers with a speeding ticket$225$109
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Travelers: Cheapest for teen drivers

Your age is one of the most important factors insurance companies use to determine what you pay for auto insurance. Teens and other young drivers always pay the highest rates due to their lack of experience behind the wheel.

You can find average quotes from Liberty Mutual and Travelers in the following table.

Driver Type
Liberty Mutual
Travelers
18-year-old$279$172
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Travelers: Cheapest for drivers with bad credit

Most states allow insurance companies to consider your credit history when evaluating you for car insurance. Data has shown that drivers with poor credit are more likely to file an insurance claim, so people with poor credit typically pay higher car insurance rates.

Compare average liability quotes below.

Driver Type
Liberty Mutual
Travelers
Drivers with bad credit$179$107
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Travelers: Cheapest for senior drivers

Seniors often pay slightly higher car insurance rates than middle-aged drivers due to aging-related risk factors. Middle-aged drivers benefit from lower rates.

Here are the average quotes for senior drivers in the U.S. from Liberty Mutual and Travelers.

Driver Type
Liberty Mutual
Travelers
Senior drivers$137$66
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Compare coverages: Liberty Mutual vs. Travelers

Liberty Mutual and Travelers both provide standard coverage options, including bodily injury and property damage liability, uninsured/underinsured motorist, personal injury protection (PIP), medical payments, collision, and comprehensive coverage. Both companies offer gap insurance and accident forgiveness, making each one a good option for drivers after an accident.

Liberty Mutual offers a few additional services, including a deductible fund that decreases your deductible by $100 every year you go without filing a claim. Compare coverage options below.

Coverage
Liberty Mutual
Travelers
Gap insuranceYesYes
Accident forgivenessYesYes
Roadside assistanceYesYes
Rental reimbursementYesYes
Better car replacementYesNo
New car replacementYesYes
Rideshare coverageYesYes
Deductible fundYesNo

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Compare discounts: Liberty Mutual vs. Travelers

Auto insurance companies offer discounts to drivers who meet different criteria, like purchasing multiple insurance policies with the same company. Discounts are one of the best ways you can save money on car insurance.

While Liberty Mutual and Travelers offer similar discounts, they vary slightly. Unlike Liberty Mutual, Travelers has discounts that reward drivers for taking a defensive driving course and buying a new car. Liberty Mutual offers a discount to military members, which Travelers doesn’t offer.

The following table outlines the discounts both insurance companies offer.

Discount
Liberty Mutual
Travelers
Clean driving recordYesYes
Defensive driving courseNoYes
Multi-policyYesYes
Multi-carYesYes
Low mileageNoNo
Telematics (safe driving app)YesYes
Anti-theft deviceNoNo
New carNoYes
MilitaryYesNo
Good studentYesYes
LoyaltyNoYes
Auto payYesYes
Student away at schoolYesYes
HomeownerYesYes
Alternative fuelNoYes

Liberty Mutual vs. Travelers FAQs

Liberty Mutual and Travelers both offer unique benefits to different types of drivers. If you’re still unsure which option works best for your situation, the following information may help you make an informed decision.

  • Is Travelers the same as Liberty Mutual?

    No. The companies have some similarities, but Travelers and Liberty Mutual are two different insurance companies. Both companies are national insurers selling coverage throughout the country.

  • Is Travelers Insurance a reputable company?

    Yes. Travelers is a reputable company founded in 1865, making it one of the oldest insurers. The company received a below-average score in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study, but it has an A++ (Superior) rating from AM Best, which indicates financial strength. Travelers has a strong reputation with customers.

  • Who is Travelers Insurance’s biggest competitor?

    Travelers’ biggest competitors include Liberty Mutual, Allstate, GEICO, and State Farm. In particular, State Farm is the largest auto insurance company in the U.S., accounting for a large share of the auto insurance market. State Farm has a higher IQ Score of 9.3 out of 10.

Sources

  1. J.D. Power. "Auto Insurance Shopping and Switch Rates Reach New Highs as Premiums Surge, J.D. Power Finds."
  2. National Association of Insurance Commissioners. "2022 Property and Casualty Market Sare."
Jamie Johnson
Jamie Johnson

Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.

Jamie has been a contributor at Insurify since October 2022.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

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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Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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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