Alliance vs Liberty Mutual Car Insurance

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Last Updated: January 2022


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Liberty Mutual
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Alliance VS Liberty Mutual
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User Ratings
OptionsAlliance Liberty Mutual
17 reviews
857 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAlliance Liberty Mutual
Call Center Representative--About average
Insurer Website--Better than most
Local Agent--Better than most
Overall Satisfaction--About average
Policy Offerings--Better than most
Pricing--About average
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAlliance Liberty Mutual
Claim Servicing--The rest
Estimation Process--The rest
First Notice of Loss (FNOL)--About average
Overall Satisfaction--The rest
Rental Experience--About average
Repair Process--About average
Settlement--The rest
J.D. Power Ratings by Region (out of 1000)
RegionAlliance Liberty Mutual
California--816 pt
About average
Central--806 pt
The rest
Florida--805 pt
The rest
Mid-Atlantic--801 pt
The rest
New England--809 pt
About average
New York--818 pt
About average
North Central--812 pt
The rest
Northwest--807 pt
About average
Southeast--814 pt
The rest
Southwest--811 pt
About average
Texas--807 pt
The rest
Mobile App Ratings
RegionAlliance Liberty Mutual
2,531 Reviews
12,900 Reviews
Financial Ratings
OptionsAlliance Liberty Mutual
A.M. Best--A
Standard & Poor's--A

Auto Insurance Quotes

For Married Drivers

CityAlliance Liberty Mutual
Santa Monica$76--

For Single Drivers

CityAlliance Liberty Mutual
Santa Monica$135--

For Male Drivers

CityAlliance Liberty Mutual
Santa Monica$128--

For Female Drivers

CityAlliance Liberty Mutual
Santa Monica$83--

For Drivers with Speeding Ticket

CityAlliance Liberty Mutual
Santa Monica$180--

For Drivers with No Speeding Ticket

CityAlliance Liberty Mutual
Santa Monica$89--

For Drivers Age Between 18-40

CityAlliance Liberty Mutual
Santa Monica$155--

For Drivers Age Between 40-65

CityAlliance Liberty Mutual
Santa Monica$65--

For Drivers Age of 65+

CityAlliance Liberty Mutual
Santa Monica$73--

For Drivers with Average Credit

CityAlliance Liberty Mutual
Santa Monica$96--

For Drivers with Fair Credit

CityAlliance Liberty Mutual
Santa Monica$84--

For Drivers with Good Credit

CityAlliance Liberty Mutual
Santa Monica$78--

For Drivers with Excellent Credit

CityAlliance Liberty Mutual
Santa Monica$163--

Quotes & Discounts

Discount typeAlliance Liberty Mutual
Claims Free RenewalVariesVaries
Defensive DriverVaries--
Good DriverVaries--
Multiple VehicleVariesUp to 5%
Accident Free--Varies
Accident Prevention Course--Varies
Advance shopper--Up to 45%
Anti-Theft Device--Up to 25%
Anti-lock Brake--Varies
Driving training--Up to 30%
Early Shopper--Varies
Electronic Stability Control--Varies
Good Student--Up to 22%
Home Owner--Varies
Multiple Policy--Varies
New Graduate--Varies
New Teen Driver--Varies
Paid in full--Varies
Paperless documents--Varies
Passive Restraint--Up to 20%
Policy Update/Extension--Varies
Preferred payment--Varies
RightTrack--Up to 30%
Safety Feature--Varies
Senior Adult--Varies
Signing documents when you buy online--Varies
Starting your auto quote online--Up to 12%
Student Away at School--Varies

Payment Methods

Discount typeAlliance Liberty Mutual
Automatic Online Payment
Bank Payment/Direct Deposit --yes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
Mail Payment
Mobile App Payments
Online Payment
Payroll Deduction
Phone Payment

Features and Services

Features and ServicesAlliance Liberty Mutual
24/7 service--yes
Accident forgiveness--yes
Enhanced towing & substitute coverageyesyes
Flexible / convenient paymentsyes--
Mobile appyesyes
Online account managementyesyes
Policy bundling discounts--yes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesAlliance Liberty Mutual
Accident Forgiveness
Better Car Replacement
Emergency Assistance Coverage
Emergency Lockout Coverage
Gap Insurance
Legal Defense Costs Coverage
Lifetime Repair Guarantee
New Car Replacement Coverage
Original Equipment Manufacturer Coverage
Rental Reimbursement
Roadside Assistance
Teachers Insurance
Vanishing Deductible
Work Loss Coverage

Uber and Lyft driver insurance

  • Alliance
  • Liberty Mutual
  • Both

SR‌-22 Insurance by State

  • Alliance
  • Liberty Mutual
  • Both

Compare Insurance Products

ProductAlliance Liberty Mutual
Accident InsuranceAccident Insurance--yes
ATV InsuranceATV Insurance--yes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Classic Car InsuranceClassic Car Insurance--yes
Condo InsuranceCondo Insurance--yes
Critical Illness InsuranceCritical Illness Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insurance--yes
Identity Theft InsuranceIdentity Theft Insurance--yes
Life InsuranceLife Insurance--yes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Pet InsurancePet Insurance--yes
Renters InsuranceRenters Insurance--yes
RV InsuranceRV Insurance--yes
Small Business InsuranceSmall Business Insurance--yes
Tuition InsuranceTuition Insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • Alliance Reviews
  • Liberty Mutual Reviews
5 Stars
12 %
4 Stars
18 %
2 Stars
12 %
1 Star
59 %

Most Positive Review

By Gary
There when I needed them. Low cost.

Most Critical Review

By Mandie
Their lack of confidence lack of customer service. Inability to handle claims. Crummy service all around

All Reviews

Showing 1 - 10 out of 17 Reviews
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Read reviews that mention

yee mang
Valen pura pinja. DO NOT! get this insurance. It really is a scam, bad service, never answer, don't deal with claims, don't pay up, doesn't protect against anything!
The worst insurance ever. Don’t get insurance with them. When having full coverage, they don’t want to pay!
Nelly arriaga
Need Quote 408 6550085
Been 5 months since my accident. Someone hit me and they were insured also by the same insurance i have. They were at fault i had video proof dash cam showing they hit me. 5 months and i have no yet heard anything about my claim. I call them 100 times a day and all i get is that someones on vacation and no one answers. WORST company ever ! DONT WASTE UR TIME OR MONEY. I heard this from more than 10 people !!!! U might aswell go with another company. This is a 100% SCAM !
Horrible customer service
Randall Grant
Though I have not dealt with an accident . I can tell you that I have nothing but good things to say about Alliance ....they are priced right and make it easy to accept my payment ....
Service is terrible
Bad customer service and bad reviews
Showing 1 - 10 out of 17 reviews


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.