AssuranceAmerica vs Liberty Mutual Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

AssuranceAmerica
Not Rated
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Insurify Composite Score

Liberty Mutual
82
What is this?

Insurify Composite Score

AssuranceAmerica VS Liberty Mutual
Not Rated
82
What is this?
User Ratings
OptionsAssuranceAmerica Liberty Mutual
Rating/Reviews
12 reviews
857 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAssuranceAmerica 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)
OptionsAssuranceAmerica 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)
RegionAssuranceAmerica 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
RegionAssuranceAmerica Liberty Mutual
Android--
2,531 Reviews
iOS--
12,900 Reviews
Financial Ratings
OptionsAssuranceAmerica Liberty Mutual
A.M. Best--A
Fitch--A-
Moody's--A2
Standard & Poor's--A

Quotes & Discounts

Discount typeAssuranceAmerica Liberty Mutual
Accident Free--Varies
Accident Prevention Course--Varies
Advance shopper--Up to 45%
Anti-Theft Device--Up to 25%
Anti-lock Brake--Varies
ByMile--Varies
Claims Free Renewal--Varies
Driving training--Up to 30%
EV/Hybrid--Varies
Early Shopper--Varies
Electronic Stability Control--Varies
Good Student--Up to 22%
Home Owner--Varies
Military--Varies
Multiple Policy--Varies
Multiple Vehicle--Up to 5%
New Graduate--Varies
New Teen Driver--Varies
Newlywed--Varies
Organization--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
teenSMART--Varies

Payment Methods

Discount typeAssuranceAmerica Liberty Mutual
Automatic Online Payment
--yes
Bank Payment/Direct Deposit --yes
Credit Card Payment --yes
Debit Card Payments --yes
Electronic Check
--yes
In Person Payment
yes--
Mail Payment
yesyes
Mobile App Payments
--yes
Online Payment
yesyes
Pay Through Your Agent
yes--
Payroll Deduction
--yes
Phone Payment
yesyes
Prepayment
--yes

Features and Services

Features and ServicesAssuranceAmerica Liberty Mutual
24/7 service--yes
Accident forgiveness--yes
Enhanced towing & substitute coverage--yes
Mobile app--yes
Online account managementyesyes
Policy bundling discounts--yes
Roadside assistance--yes

Optional Coverages

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

Uber and Lyft driver insurance

  • AssuranceAmerica
  • Liberty Mutual
  • Both

Compare Insurance Products

ProductAssuranceAmerica 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

  • AssuranceAmerica Reviews
  • Liberty Mutual Reviews
2.5
5 Stars
33 %
3 Stars
8 %
1 Star
58 %

Most Helpful Review

By Destiny Cortez
Am currently waiting for this insurance company to pay off their part of my totaled car loan, they have been dragging it out for almost two months. If I would have known this would happen I would have just paid my deductible and let my insurance handle everything. This adjuster does not answer any calls and had to call the claims department to send out an alert before any supervisor gets involved. Waste of time, and just drags out the emotional and stressful response of it all.

Latest Review

By Amber Casella
Horrible all the way around! Between different nasty attitudes to rude as ppl I canceled my policy

All Reviews

Showing 1 - 10 out of 12 Reviews
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Read reviews that mention

Amber Casella
Horrible all the way around! Between different nasty attitudes to rude as ppl I canceled my policy
Lisa Gholson
why can't I get my update policy
Carol
Awful first they put my husband as excluded and then when I cancelled my policy after being paid up they kept my money an said I owe them money
Cassandra Dozier
I have been with this insurance company for almost a year and i have had the best experience and the agents have been nothing short of amazing . Today Eric L was amazing he got me the help i needed today even tho i was so worried but he reassured me that he would get it done and he did thanks again to him. I would for sure recommend them to my friends and family!!!
Chuck Lowry
Ive been a agent for a long time in Gaffney SC we have alot of customers with AA and are pleased with the company.
Jennifer Thornton
Im a agent in SouthCarolina Assurance America has great Customer Service flexable payments and a great Rep for our state. We love Larry!!
Destiny Cortez
Am currently waiting for this insurance company to pay off their part of my totaled car loan, they have been dragging it out for almost two months. If I would have known this would happen I would have just paid my deductible and let my insurance handle everything. This adjuster does not answer any calls and had to call the claims department to send out an alert before any supervisor gets involved. Waste of time, and just drags out the emotional and stressful response of it all.
Scotty
I got hit by one of their insured drivers who misjudged how close I was and pulled right out in front of me !! I have never dealt with such a pathetic business and people they take days weeks to return your call and keep the whole situation dragging on just pitiful I have since put it in the hands of a lawyer as I am over it !
Alando
Allison Barnes called me from 6785690289 cursed me out saying my daughter was in an accident in my car. She stated that she has been working for your company 20 years and that she can care less who I talk to about her behavior. She said she didn't care who I was nor does she have respect for authority. She didn't even ask if anyone was injured or if anyone was ok. Do not do business with this company.
Jenry Ordoñez
Me deben $5,000 hace más de 3 meses y no me quieren pagar y todavía me tocan mi carro
Showing 1 - 10 out of 12 reviews

Methodology

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.