Cumberland Mutual 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

Cumberland Mutual
Not Rated
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Insurify Composite Score

Liberty Mutual
82
What is this?

Insurify Composite Score

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

Quotes & Discounts

Discount typeCumberland Mutual Liberty Mutual
Accident ForgivenessVaries--
Anti-Theft DeviceVariesUp to 25%
Anti-lock BrakeVariesVaries
Multiple PolicyVariesVaries
Passive RestraintVariesUp to 20%
Accident Free--Varies
Accident Prevention Course--Varies
Advance shopper--Up to 45%
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 Vehicle--Up to 5%
New Graduate--Varies
New Teen Driver--Varies
Newlywed--Varies
Organization--Varies
Paid in full--Varies
Paperless documents--Varies
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 typeCumberland Mutual 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
Online Payment
yesyes
Payroll Deduction
--yes
Phone Payment
yesyes
Prepayment
--yes

Features and Services

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

Optional Coverages

Optional CoveragesCumberland Mutual 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
yesyes
Roadside Assistance
yesyes
Teachers Insurance
--yes
Umbrella Policy
yes--
Vanishing Deductible
--yes
Work Loss Coverage
--yes

Uber and Lyft driver insurance

  • Cumberland Mutual
  • Liberty Mutual
  • Both

SR‌-22 Insurance by State

  • Cumberland Mutual
  • Liberty Mutual
  • Both

Compare Insurance Products

ProductCumberland Mutual Liberty Mutual
Accident InsuranceAccident Insurance--yes
ATV InsuranceATV Insurance--yes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Classic Car InsuranceClassic Car Insurance--yes
Commercial InsuranceCommercial Insuranceyes--
Condo InsuranceCondo Insuranceyesyes
Critical Illness InsuranceCritical Illness Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insuranceyesyes
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 Insuranceyesyes
RV InsuranceRV Insurance--yes
Small Business InsuranceSmall Business Insurance--yes
Tuition InsuranceTuition Insurance--yes
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

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  • Liberty Mutual 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.