Electric Insurance vs Liberty Mutual Car Insurance

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4.8 Rating

2,700 Reviews

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Last Updated: January 2022

Ratings

Insurify Composite Score

Electric Insurance
Not Rated
What is this?

Insurify Composite Score

Liberty Mutual
82
What is this?

Insurify Composite Score

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

Quotes & Discounts

Discount typeElectric Insurance Liberty Mutual
Accident ForgivenessVaries--
Accident FreeVariesVaries
Advance shopperVariesUp to 45%
Affinity groupVaries--
Anti-Theft DeviceVariesUp to 25%
Anti-lock BrakeVariesVaries
Daytime Running LightsVaries--
Driving trainingVariesUp to 30%
EV/HybridVariesVaries
Good DriverVaries--
Good StudentVariesUp to 22%
Low MileageVaries--
Mature driverVaries--
Multiple PolicyVariesVaries
New CarVaries--
NewlywedVariesVaries
OrganizationVariesVaries
Paid in fullVariesVaries
Passive RestraintVariesUp to 20%
Preferred paymentVariesVaries
Student Away at SchoolVariesVaries
Accident Prevention Course--Varies
ByMile--Varies
Claims Free Renewal--Varies
Early Shopper--Varies
Electronic Stability Control--Varies
Home Owner--Varies
Military--Varies
Multiple Vehicle--Up to 5%
New Graduate--Varies
New Teen Driver--Varies
Paperless documents--Varies
Policy Update/Extension--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 typeElectric Insurance 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
yesyes
Phone Payment
--yes
Prepayment
yesyes

Features and Services

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

Optional Coverages

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

Online Quoting by State

  • Electric Insurance
  • Liberty Mutual
  • Both

Uber and Lyft driver insurance

  • Electric Insurance
  • Liberty Mutual
  • Both

Compare Insurance Products

ProductElectric Insurance 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 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 Insurance--yes
RV InsuranceRV Insurance--yes
Small Business InsuranceSmall Business Insurance--yes
Tuition InsuranceTuition Insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • Electric Insurance Reviews
  • Liberty Mutual Reviews
2.5
5 Stars
25 %
4 Stars
8 %
3 Stars
8 %
2 Stars
8 %
1 Star
50 %

Most Positive Review

By Shubha
Cost and services

Most Critical Review

By Holly Knef
I have had Electic insurance for approximately 20 years. My rates just went up 25 % in the last year without notice. No accidents, speeding tickets or claims. When I called customer support their response was “well we can do that. We were allowed to raise our rates in your state.” No offer to review my plans to see if they could save me money on my policies by increasing deductibles, looking for discounts ie alam systems etc. They were much more helpful in years past. I switched to another company, have the same coverage, same deductibles and they have an equal insurance rating and Iam saving $2250 a year!

All Reviews

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

Steve C
Electric insurance is by far the worst insurance company I have ever dealt with their claim service is slow in accurate and frustrating to say the least. They have drug their feet, refused to issue me payment for a prorated amount For a vehicle that should have been removed from my policy over six weeks ago they do not have to do math and calculate the amount of premiums that I have paid from that day until the day they removed it they promised me an extension on the rental car due to their lack of expediency in the claims process by using a third-party insurance adjuster who took well over a week to come out and look at my automobile, have raised my premiums to over $6000 Per year. They do not returned calls and they do not comprehend the word customer service. I am going to find a new insurance carrier for my auto‘s. Their claims people are ignorant of the process, their customer service people never resolve issues for me. I’ve been a customer for five years yet I am treated extremely poorly. I surely hope that anybody else who purchases insurance from electric insurance Company has better luck than I have. They are inherently dishonest
ralphholder
Electric Insurance Co has deliberately withheld information from me about a workers comp claim I had against ** ******** ****** in Lynn, MA. Although I spoke with a rep about the claim, she now claims they don't have it even though she referred to documents in her possession
Shelley
They keep raising our rates. Raised to the point now that we cannot afford it
Mike Q
I was very displeased with everything from ELECTRIC INSURANCE. Their insured hit my car and all my experience with claims has been a complete nightmare! Their customer service for claims is definitely the worst I have ever experienced. They never reply and are never happy to help and take long time to resolve. I was involved in this accident this year and my car took longer than expected to be fixed so instead of resolving never sent the money for rental until many fights when asked to wait until I can resole things at my end they send the check to IRS without even contacting me and *** was paid!!! Jesse, Jen, Ryan and the manager Kristine T******* are the worst!!! Electric company is a complete nightmare of insurance I have worked with insurance for 3 years and never offered or experienced such a disgrace of a company!!!
Holly Knef
I have had Electic insurance for approximately 20 years. My rates just went up 25 % in the last year without notice. No accidents, speeding tickets or claims. When I called customer support their response was “well we can do that. We were allowed to raise our rates in your state.” No offer to review my plans to see if they could save me money on my policies by increasing deductibles, looking for discounts ie alam systems etc. They were much more helpful in years past. I switched to another company, have the same coverage, same deductibles and they have an equal insurance rating and Iam saving $2250 a year!
Amy N.
This company offered me great rates on my Texas home, I left my carrier of 3 years to join Electric Insurance - after being insured for ONLY ONE MONTH they are dropping my house. My roof was done in 2007 and it doesn't meet their EXTREMELY high standards. I tried to ask if I could have some roof repair done (not really needed - their report showed hardly any real issues, some noteable granular loss and a few curled shingles) and they told me NO the ENTIRE roof must be replaced. I'm an agent also for a different agency, we offer to our clients to do repairs as needed not an ENTIRE ROOF REPLACEMENT! I will make sure all of my friends and family avoid this terrible company. What a terrible way to do business! Don't event think about using them unless you have a new construction build, they'll just write the policy and cancel you a month later over what seems to be lame excuses.
Mark O.
Electric Insurance is a terrible company! There should be a zero stars choice because Electric Insurance is a big ZERO. My truck slid off of the road and into a ditch due to black ice and hit the embankment of a driveway which damaged the front bumper, radiator, a headlight, and dented a fender. That was a month and a half ago and I finally got my truck back yesterday without the dent repaired because they refused to cover the dent claiming that it was not due to the accident, which it was. They also stopped returning any emails or phone calls almost two weeks ago and I would not have had any transportation once their rental coverage ran out if not for the kindness of the auto body shop where my truck sat for that month and a half while the shop waited for authorizations for repairs. As it turns out Electric Insurance hires seedy private claims adjusters who also ignore phone calls and collude with Electric Insurance to deny any part of your claim which they can get away with. Now I have to live with the dent or pay out of pocket to have it repaired but at least I have the truck back in my possession. Be forewarned: Electric Insurance is not a company to do business with!
Shubha
Cost and services
Shubha
Cost and services
Candice S.
One of Electric's driver's totaled my son's car. He lied to the police officer and said he had a green arrow on a left turn. It is apparent by the fact that he t-boned my son's driver side that he failed to yield. Electric is refusing to pay based upon their client's false statement. It has been 6 weeks. Electric will take up to one week at a time responding to email or voice mail. I have resorted to putting everything in writing via email and refuse to speak on the phone about the claim because they are lying every time I speak to someone. My insurance company, **** (a reputable carrier) has ruled this accident as their driver's fault. They refuse to accept blame. First they denied the claim, then they offered 20%, then they offered 50%. I refuse to accept less than 100%. I will be taking their client to small claims court and holding him personally liable. And I will be reporting Electric to the Massachusetts Consumer Affairs and Business Regulation. I am done!
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.