Country Financial 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

Country Financial
96
What is this?

Insurify Composite Score

Liberty Mutual
82
What is this?

Insurify Composite Score

Country Financial VS Liberty Mutual
96
82
What is this?
User Ratings
OptionsCountry Financial Liberty Mutual
Rating/Reviews
17 reviews
857 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsCountry Financial 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)
OptionsCountry Financial Liberty Mutual
Claim ServicingThe restThe rest
Estimation ProcessThe restThe rest
First Notice of Loss (FNOL)About averageAbout average
Overall SatisfactionThe restThe rest
Rental ExperienceAbout averageAbout average
Repair ProcessThe restAbout average
SettlementThe restThe rest
J.D. Power Ratings by Region (out of 1000)
RegionCountry Financial 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 Central849 pt
Among the best
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
RegionCountry Financial Liberty Mutual
Android
16 Reviews
2,531 Reviews
iOS
30 Reviews
12,900 Reviews
Financial Ratings
OptionsCountry Financial Liberty Mutual
A.M. BestA+A
Fitch--A-
Moody's--A2
Standard & Poor's--A

Auto Insurance Quotes

For Married Drivers

CityCountry Financial Liberty Mutual
Chicago$39--
Phoenix$45--

For Single Drivers

CityCountry Financial Liberty Mutual
Chicago$55--
Phoenix$62--

For Male Drivers

CityCountry Financial Liberty Mutual
Chicago$49--
Phoenix$55--

For Female Drivers

CityCountry Financial Liberty Mutual
Chicago$44--
Phoenix$51--

For Drivers with Speeding Ticket

CityCountry Financial Liberty Mutual
Chicago$63--
Phoenix$77--

For Drivers with No Speeding Ticket

CityCountry Financial Liberty Mutual
Chicago$44--
Phoenix$48--

For Drivers Age Between 18-40

CityCountry Financial Liberty Mutual
Chicago$55--
Phoenix$66--

For Drivers Age Between 40-65

CityCountry Financial Liberty Mutual
Chicago$37--
Phoenix$41--

For Drivers Age of 65+

CityCountry Financial Liberty Mutual
Chicago$54--
Phoenix$53--

For Drivers with Average Credit

CityCountry Financial Liberty Mutual
Chicago$51--
Phoenix$58--

For Drivers with Fair Credit

CityCountry Financial Liberty Mutual
Chicago$41--
Phoenix$49--

For Drivers with Good Credit

CityCountry Financial Liberty Mutual
Chicago$41--
Phoenix$46--

For Drivers with Excellent Credit

CityCountry Financial Liberty Mutual
Chicago$54--
Phoenix$61--

Quotes & Discounts

Discount typeCountry Financial Liberty Mutual
Good StudentUp to 25%Up to 22%
Defensive DriverUp to 10%--
New CarUp to 10%--
OrganizationUp to 10%Varies
Newly EngagedUp to 5%--
Anti-Theft DeviceVariesUp to 25%
Driving trainingVariesUp to 30%
Good DriverVaries--
Multiple PolicyVariesVaries
Multiple VehicleVariesUp to 5%
OccupationVaries--
Paid in fullVariesVaries
teenSMARTVariesVaries
Accident Free--Varies
Accident Prevention Course--Varies
Advance shopper--Up to 45%
Anti-lock Brake--Varies
ByMile--Varies
Claims Free Renewal--Varies
EV/Hybrid--Varies
Early Shopper--Varies
Electronic Stability Control--Varies
Home Owner--Varies
Military--Varies
New Graduate--Varies
New Teen Driver--Varies
Newlywed--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 typeCountry Financial Liberty Mutual
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit --yes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
yesyes
Mail Payment
yesyes
Mobile App Payments
--yes
Multi-Payment Installment Plans
yes--
Online Payment
yesyes
Payroll Deduction
--yes
Phone Payment
yesyes
Prepayment
--yes

Features and Services

Features and ServicesCountry Financial Liberty Mutual
24/7 service--yes
Accident forgiveness--yes
Enhanced towing & substitute coverage--yes
Mobile appyesyes
Online account managementyesyes
Policy bundling discounts--yes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesCountry Financial Liberty Mutual
Accident Forgiveness
--yes
Better Car Replacement
--yes
Emergency Assistance Coverage
yesyes
Emergency Lockout Coverage
yesyes
First Aid Reimbursement
yes--
Gap Insurance
--yes
Glass Coverage yes--
Legal Defense Costs Coverage
--yes
Lifetime Repair Guarantee
--yes
New Car Replacement Coverage
yesyes
Original Equipment Manufacturer Coverage
--yes
Personal/Upgraded Item Coverage
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Sound System Coverage
yes--
Teachers Insurance
yesyes
Tenant Rental Coverage
yes--
Umbrella Policy
yes--
Vanishing Deductible
--yes
Work Loss Coverage
--yes

Online Quoting by State

  • Country Financial
  • Liberty Mutual
  • Both

Uber and Lyft driver insurance

  • Country Financial
  • Liberty Mutual
  • Both

Compare Insurance Products

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

User Reviews

  • Country Financial Reviews
  • Liberty Mutual Reviews
3.3
5 Stars
41 %
4 Stars
6 %
3 Stars
24 %
1 Star
29 %

Most Positive Review

By Teira
I've always had no trouble with them

Most Critical Review

By
I am very dissatisfied with my country financial home owners ins . I had a claim on my floors and was told that it was not covered on my policy. I think that when you take out ins. the ins company should explain things to you better .you pay almost 800.00 a year to be told it was not covered and that it was neglect if your not having a problem till you fall through the floor then how do you know you have a problem .to top it off the people you have to deal with are real a--- .they act like it there money and you should not be using it .

All Reviews

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

Bernie
Main reason for my decision to change our insurance coverage is cost. My latest auto and home bills showed increases (4.2 % for auto and 14.8 % for home). That's not acceptable.
Norbert
Outstanding service good repor with staff.
Lucy
They haven't raise the dollar amount on my policy. But I need something cheaper as I will soon be retiring and won't be able to afford it. Of course my past experience with changing ins. is that the new company sucks you in and the next year they raise your dollar amount for your policy and once again it's too high!
TIM
Did not place insurance on my 16 yr old in time, so was driving uninsured 6 months
Rebekah
outstanding service
Jane
Great customers service
LaTerria
Because they start you off with cheap prices and then go up to where you cant afford it
LaTerria
Because they start you off with cheap prices and then go up to where you can’t afford it
Shauntia
Terrible customer service
Shauntia
Terrible customer service
Showing 1 - 10 out of 17 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.