Car Insurance
- CSAA
- Liberty Mutual
- Both
CSAA vs Liberty Mutual Car Insurance
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Last Updated: January 2022
Ratings
Insurify Composite Score
CSAA
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Liberty Mutual
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CSAA VS Liberty Mutual
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User Ratings
| Options | CSAA  | Liberty Mutual |
|---|---|---|
| Rating/Reviews | 176 reviews | 857 reviews |
U.S Auto Insurance Shopping Study (2018) ℹ
| Options | CSAA | Liberty Mutual |
|---|---|---|
| Call Center Representative | Among the best | About average |
| Insurer Website | The rest | Better than most |
| Local Agent | Better than most | Better than most |
| Overall Satisfaction | Better than most | About average |
| Policy Offerings | About average | Better than most |
| Pricing | Better than most | About average |
U.S Auto Insurance Claims Satisfaction Study (2018) ℹ
| Options | CSAA | Liberty Mutual |
|---|---|---|
| Claim Servicing | The rest | The rest |
| Estimation Process | About average | The rest |
| First Notice of Loss (FNOL) | The rest | About average |
| Overall Satisfaction | About average | The rest |
| Rental Experience | The rest | About average |
| Repair Process | Better than most | About average |
| Settlement | About average | The rest |
J.D. Power Ratings by Region (out of 1000) ℹ
| Region | CSAA | Liberty Mutual |
|---|---|---|
| California | 814 pt About average | 816 pt About average |
| Central | -- | 806 pt The rest |
| Florida | -- | 805 pt The rest |
| Mid-Atlantic | 816 pt The rest | 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 | 839 pt Among the best | 811 pt About average |
| Texas | -- | 807 pt The rest |
Mobile App Ratings ℹ
| Region | CSAA | Liberty Mutual |
|---|---|---|
| Android | 24,330 Reviews | 2,531 Reviews |
| iOS | 737 Reviews | 12,900 Reviews |
Financial Ratings
| Options | CSAA | Liberty Mutual |
|---|---|---|
| A.M. Best | A | A |
| Fitch | -- | A- |
| Moody's | -- | A2 |
| Standard & Poor's | -- | A |
Auto Insurance Quotes
For Married Drivers
| City | CSAA | Liberty Mutual |
|---|---|---|
| Phoenix | $54 | -- |
| Santa Monica | $54 | -- |
For Single Drivers
| City | CSAA | Liberty Mutual |
|---|---|---|
| Phoenix | $58 | -- |
| Santa Monica | $125 | -- |
For Male Drivers
| City | CSAA | Liberty Mutual |
|---|---|---|
| Phoenix | $55 | -- |
| Santa Monica | $126 | -- |
For Female Drivers
| City | CSAA | Liberty Mutual |
|---|---|---|
| Phoenix | $58 | -- |
| Santa Monica | $54 | -- |
For Drivers with Speeding Ticket
| City | CSAA | Liberty Mutual |
|---|---|---|
| Phoenix | $62 | -- |
| Santa Monica | $174 | -- |
For Drivers with No Speeding Ticket
| City | CSAA | Liberty Mutual |
|---|---|---|
| Phoenix | $55 | -- |
| Santa Monica | $72 | -- |
For Drivers Age Between 18-40
| City | CSAA | Liberty Mutual |
|---|---|---|
| Phoenix | $54 | -- |
| Santa Monica | $139 | -- |
For Drivers Age Between 40-65
| City | CSAA | Liberty Mutual |
|---|---|---|
| Phoenix | $48 | -- |
| Santa Monica | $51 | -- |
For Drivers Age of 65+
| City | CSAA | Liberty Mutual |
|---|---|---|
| Phoenix | $97 | -- |
| Santa Monica | $52 | -- |
For Drivers with Average Credit
| City | CSAA | Liberty Mutual |
|---|---|---|
| Phoenix | $70 | -- |
| Santa Monica | $68 | -- |
For Drivers with Fair Credit
| City | CSAA | Liberty Mutual |
|---|---|---|
| Phoenix | $74 | -- |
| Santa Monica | $65 | -- |
For Drivers with Good Credit
| City | CSAA | Liberty Mutual |
|---|---|---|
| Phoenix | $43 | -- |
| Santa Monica | $63 | -- |
For Drivers with Excellent Credit
| City | CSAA | Liberty Mutual |
|---|---|---|
| Phoenix | $38 | -- |
| Santa Monica | $164 | -- |
Quotes & Discounts
| Discount type | CSAA | Liberty Mutual |
|---|---|---|
| Student Away at School | Up to 46.7% | Varies |
| Multiple Vehicle | Up to 27.3% | Up to 5% |
| Good Driver | Up to 20% | -- |
| Multiple Policy | Up to 20% | Varies |
| Low Mileage | Up to 19.1% | -- |
| Home Owner | Up to 15.7% | Varies |
| Good Student | Up to 14.3% | Up to 22% |
| Alumni | Up to 7.4% | -- |
| Professional organization | Up to 7.4% | -- |
| Loyalty | Up to 5.6% | -- |
| Organization | Up to 5% | Varies |
| Driving training | Up to 4.7% | Up to 30% |
| 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 |
| EV/Hybrid | -- | Varies |
| Early Shopper | -- | Varies |
| Electronic Stability Control | -- | Varies |
| Military | -- | Varies |
| New Graduate | -- | Varies |
| New Teen Driver | -- | Varies |
| Newlywed | -- | 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% |
| teenSMART | -- | Varies |
Payment Methods
| Discount type | CSAA | Liberty Mutual |
|---|---|---|
| Automatic Online Payment ℹ |  | |
| Bank Payment/Direct Deposit | -- | |
| Credit Card Payment | | |
| Debit Card Payments | | |
| Electronic Check ℹ | -- | |
| Mail Payment ℹ | -- | |
| Mobile App Payments ℹ | -- | |
| Online Payment ℹ | | |
| Payroll Deduction ℹ | -- | |
| Phone Payment ℹ | -- | |
| Prepayment ℹ | -- | |
Features and Services
| Features and Services | CSAA | Liberty Mutual |
|---|---|---|
| 24/7 service | | |
| Accident forgiveness | -- | |
| Enhanced towing & substitute coverage | -- | |
| Loyalty rewards program | | -- |
| Mobile app | | |
| Online account management | | |
| Policy bundling discounts | | |
| Roadside assistance | | |
Optional Coverages
| Optional Coverages | CSAA | Liberty Mutual |
|---|---|---|
| Accident Forgiveness ℹ | -- | |
| Accidental Death, Dismemberment, Disability ℹ | | -- |
| Antique or Collector Car Insurance ℹ | | -- |
| Better Car Replacement ℹ | -- | |
| Emergency Assistance Coverage ℹ | -- | |
| Emergency Lockout Coverage ℹ | -- | |
| First Aid Reimbursement ℹ | | -- |
| Gap Insurance ℹ | -- | |
| Legal Defense Costs Coverage ℹ | -- | |
| Lifetime Repair Guarantee ℹ | -- | |
| New Car Replacement Coverage ℹ | -- | |
| Original Equipment Manufacturer Coverage ℹ | -- | |
| Rental Reimbursement ℹ | | |
| Roadside Assistance ℹ | | |
| Teachers Insurance ℹ | -- | |
| Umbrella Policy ℹ | | -- |
| Vanishing Deductible ℹ | -- | |
| Work Loss Coverage ℹ | -- | |
Insurance by State
Uber and Lyft driver insurance
- CSAA
- Liberty Mutual
- Both
Compare Insurance Products
| Product | CSAA | Liberty Mutual |
|---|---|---|
 Accident Insurance | -- | |
 ATV Insurance | -- | |
 Car Insurance | | |
 Boat Insurance | -- | |
 Classic Car Insurance | -- | |
 Condo Insurance | -- | |
 Critical Illness Insurance | -- | |
 Dwelling Fire Insurance | -- | |
 Flood Insurance | -- | |
 Home Insurance | -- | |
 Identity Theft Insurance | -- | |
 Life Insurance | -- | |
 Mobile Home Insurance | -- | |
 Motorcycle Insurance | -- | |
 Pet Insurance | -- | |
 Renters Insurance | -- | |
 RV Insurance | -- | |
 Small Business Insurance | -- | |
 Tuition Insurance | -- | |
 Umbrella Insurance | -- | |
User Reviews
- CSAA Reviews
- Liberty Mutual Reviews
3.0
176 Reviews
5 Stars
39 %
4 Stars
5 %
3 Stars
15 %
2 Stars
5 %
1 Star
37 %
Most Positive Review
By Tiffany
Most Critical Review
By Linda
All Reviews
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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.
