4.8out of 3,000+ reviews

Erie Insurance vs Liberty Mutual Car Insurance

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auto insurance

Last Updated February 1, 2022

Ratings

Insurify Composite Score

Erie Insurance
85
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Insurify Composite Score

Liberty Mutual
82
What is this?

Insurify Composite Score

Erie Insurance VS Liberty Mutual
85
82
What is this?
User Ratings
OptionsErie Insurance Liberty Mutual
Rating/Reviews
224 reviews
857 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsErie Insurance Liberty Mutual
Call Center Representative--About average
Insurer Website--Better than most
Local AgentAmong the bestBetter than most
Overall SatisfactionAmong the bestAbout average
Policy OfferingsBetter than mostBetter than most
PricingAmong the bestAbout average
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsErie Insurance Liberty Mutual
Claim ServicingBetter than mostThe rest
Estimation ProcessAmong the bestThe rest
First Notice of Loss (FNOL)Better than mostAbout average
Overall SatisfactionBetter than mostThe rest
Rental ExperienceAmong the bestAbout average
Repair ProcessAmong the bestAbout average
SettlementBetter than mostThe rest
J.D. Power Ratings by Region (out of 1000)
RegionErie Insurance Liberty Mutual
California--816 pt
About average
Central--806 pt
The rest
Florida--805 pt
The rest
Mid-Atlantic854 pt
Among the best
801 pt
The rest
New England--809 pt
About average
New York--818 pt
About average
North Central845 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
RegionErie Insurance Liberty Mutual
Android
4 Reviews
2,531 Reviews
iOS--
12,900 Reviews
Financial Ratings
OptionsErie Insurance Liberty Mutual
A.M. BestA+A
Fitch--A-
Moody's--A2
Standard & Poor'sAA

Auto Insurance Quotes

For Married Drivers

CityErie Insurance Liberty Mutual
Chicago$48--
Philadelphia$45--

For Single Drivers

CityErie Insurance Liberty Mutual
Chicago$48--
Philadelphia$52--

For Male Drivers

CityErie Insurance Liberty Mutual
Chicago$44--
Philadelphia$47--

For Female Drivers

CityErie Insurance Liberty Mutual
Chicago$52--
Philadelphia$50--

For Drivers with Speeding Ticket

CityErie Insurance Liberty Mutual
Chicago$58--
Philadelphia$56--

For Drivers with No Speeding Ticket

CityErie Insurance Liberty Mutual
Chicago$46--
Philadelphia$47--

For Drivers Age Between 18-40

CityErie Insurance Liberty Mutual
Chicago$49--
Philadelphia$53--

For Drivers Age Between 40-65

CityErie Insurance Liberty Mutual
Chicago$45--
Philadelphia$41--

For Drivers Age of 65+

CityErie Insurance Liberty Mutual
Chicago$57--
Philadelphia$58--

For Drivers with Average Credit

CityErie Insurance Liberty Mutual
Chicago$54--
Philadelphia$53--

For Drivers with Fair Credit

CityErie Insurance Liberty Mutual
Chicago$58--
Philadelphia$54--

For Drivers with Good Credit

CityErie Insurance Liberty Mutual
Chicago$42--
Philadelphia$42--

For Drivers with Excellent Credit

CityErie Insurance Liberty Mutual
Chicago$39--
Philadelphia$45--

Quotes & Discounts

Discount typeErie Insurance Liberty Mutual
Multiple VehicleUp to 15%Up to 5%
PrepayUp to 7%--
Anti-Theft DeviceUp to 5%Up to 25%
Anti-lock BrakeUp to 5%Varies
Accident ForgivenessVaries--
Defensive DriverVaries--
Feature 15Varies--
Good DriverVaries--
Low MileageVaries--
Multiple PolicyVariesVaries
Passive RestraintVariesUp to 20%
Senior AdultVariesVaries
Student Away at SchoolVariesVaries
Youth DrivingVaries--
Youth LoyaltyVaries--
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
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
Signing documents when you buy online--Varies
Starting your auto quote online--Up to 12%
teenSMART--Varies

Payment Methods

Discount typeErie Insurance Liberty Mutual
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit yesyes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
--yes
In Person Payment
yes--
Mail Payment
yesyes
Mobile App Payments
--yes
Online Payment
yesyes
Payroll Deduction
--yes
Person 2 Person Payment yes--
Phone Payment
yesyes
Prepayment
yesyes

Features and Services

Features and ServicesErie Insurance Liberty Mutual
24/7 service--yes
Accident forgiveness--yes
Diminishing deductibleyes--
Enhanced towing & substitute coverage--yes
Mobile app--yes
Online account managementyesyes
Policy bundling discountsyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesErie Insurance Liberty Mutual
Accident Forgiveness
yesyes
Better Car Replacement
yesyes
Emergency Assistance Coverage
yesyes
Emergency Lockout Coverage
yesyes
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 Auto Plus
yes--
Pet Coverage
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Teachers Insurance
--yes
Vanishing Deductible
yesyes
Work Loss Coverage
--yes

Online Quoting by State

  • Erie Insurance
  • Liberty Mutual
  • Both

Uber and Lyft driver insurance

  • Erie Insurance
  • Liberty Mutual
  • Both

Compare Insurance Products

ProductErie Insurance Liberty Mutual
Accident InsuranceAccident Insurance--yes
ATV InsuranceATV Insuranceyesyes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insuranceyesyes
Business InsuranceBusiness Insuranceyes--
Classic Car InsuranceClassic Car Insurance--yes
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 Insuranceyesyes
Life InsuranceLife Insuranceyesyes
Mobile Home InsuranceMobile Home Insuranceyesyes
Motorcycle InsuranceMotorcycle Insuranceyesyes
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

  • Erie Insurance Reviews
  • Liberty Mutual Reviews
3.7
5 Stars
53 %
4 Stars
11 %
3 Stars
8 %
2 Stars
6 %
1 Star
22 %

Most Positive Review

By Olga
Because they have the best rate in the market and exceptional customer service

Most Critical Review

By Myra
Never had to use the service except pay my bill (I am accident free). Monthly payment is kind of high.

All Reviews

Showing 1 - 10 out of 224 Reviews
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Read reviews that mention

william
overpriced
Mary
Easy to work with. Great agent experience.
MIKE
Erie is fantastic to deal with! The service is great as are the rates. I have shopped around and they always come out on top with the best rates. The coverages on the auto and home are also very good. My auto deductibles are now zero and my home has coverage for underground lines and a warranty type of coverage. I highly recommend Erie! I had a claim on lost jewelry with them and it was paid in no time with no hassle what so ever!
Walter
Cheaper for two vehicles than one don't make no sense
William
It's just a numbers thing. I'm looking for a better price, and they wont provide one. I have a very good driving record, and I should be paying less than what I am curremtly
William
D.E.
Been dealing with them since 7/24/18 when one of their insured hit us. After calling multiple times and leacing messages with no call back for months in end. I decided to file a report with the Indiana Insurance Commissioner. That got the ball rolling for a few calls. Was told I would get a call back in 2 weeks that was 6 weeks ago. If you gwt hit by someone with Erie it is probably smart to lawyer up from the get go.
Crystal
Jeffrey C
My review is in reference to an automobile claim. I am not an Erie customer; however, I was rear-ended by an Erie client. I had a new Ford Explorer. I was hit so hard the rear hitch came up through the back seat. Erie paid the initial damage. I went to my Ford dealer to get it fixed. My Ford dealer said that I should pursue Erie for a "diminished value claim" since now my car was in a 'major" accident Ford would not take it on a trade-in, and most places will not since it is now in carfax as being in a major accident. I called Erie, they wanted to know how I knew about "diminished value" they then tried to talk me out of it, but I was persistent and they sent me to their recommended person, so I called, made an appointment, this cost me $300.00 dollars and three hours of my time ! When I submitted the report to Erie they offered me substantially less. I argued that this was your guy who said my diminished value claim was more ! They rudely told me to go and sue if I did not like it, which means I have to sue the other driver, which is their customer. I would NEVER use Erie after this.
Brandon P
This company is a joke. After having an adjuster come out and look at our house due to storm damage. We were lied to, the adjusters were extremely rude and disrespectful, and they damaged our house with the equipment they used. Several other neighbors were able to get claims with Erie Insurance due to storm damage, but we were lied to, after being told by numerous restoration companies that we do have damage. Our insurance agent made a sexist remark to my wife, and then we made a complaint to the Erie regional manager and he told us that they were not going to do anything about any of the complaints due to lack of evidence. I WOULD NEVER recommend ERIE as an insurance company to anybody.
Showing 1 - 10 out of 224 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.