First Chicago 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

First Chicago
Not Rated
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Insurify Composite Score

Liberty Mutual
82
What is this?

Insurify Composite Score

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

Auto Insurance Quotes

For Married Drivers

CityFirst Chicago Liberty Mutual
Chicago$47--

For Single Drivers

CityFirst Chicago Liberty Mutual
Chicago$58--

For Male Drivers

CityFirst Chicago Liberty Mutual
Chicago$55--

For Female Drivers

CityFirst Chicago Liberty Mutual
Chicago$49--

For Drivers with Speeding Ticket

CityFirst Chicago Liberty Mutual
Chicago$74--

For Drivers with No Speeding Ticket

CityFirst Chicago Liberty Mutual
Chicago$48--

For Drivers Age Between 18-40

CityFirst Chicago Liberty Mutual
Chicago$64--

For Drivers Age Between 40-65

CityFirst Chicago Liberty Mutual
Chicago$43--

For Drivers Age of 65+

CityFirst Chicago Liberty Mutual
Chicago$41--

For Drivers with Average Credit

CityFirst Chicago Liberty Mutual
Chicago$56--

For Drivers with Fair Credit

CityFirst Chicago Liberty Mutual
Chicago$52--

For Drivers with Good Credit

CityFirst Chicago Liberty Mutual
Chicago$46--

For Drivers with Excellent Credit

CityFirst Chicago Liberty Mutual
Chicago$55--

Quotes & Discounts

Discount typeFirst Chicago Liberty Mutual
Anti-Theft DeviceUp to 20%Up to 25%
Claims Free RenewalUp to 20%Varies
Multiple VehicleUp to 15%Up to 5%
Defensive DriverUp to 5%--
Good DriverUp to 5%--
Good StudentUp to 5%Up to 22%
Home OwnerUp to 5%Varies
Paid in fullUp to 5%Varies
Advance shopperVariesUp to 45%
Anti-lock BrakeVariesVaries
Continuous CoverageVaries--
Current insuranceVaries--
Early QuoteVaries--
LoyaltyVaries--
Mature driverVaries--
No lapse in coverageVaries--
Occasional driverVaries--
Prior carrierVaries--
Provider SwitchVaries--
VIN EtchingVaries--
Accident Free--Varies
Accident Prevention Course--Varies
ByMile--Varies
Driving training--Up to 30%
EV/Hybrid--Varies
Early Shopper--Varies
Electronic Stability Control--Varies
Military--Varies
Multiple Policy--Varies
New Graduate--Varies
New Teen Driver--Varies
Newlywed--Varies
Organization--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
teenSMART--Varies

Payment Methods

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

Features and Services

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

Optional Coverages

Optional CoveragesFirst Chicago 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
Vanishing Deductible
--yes
Work Loss Coverage
--yes

Uber and Lyft driver insurance

  • First Chicago
  • Liberty Mutual
  • Both

Compare Insurance Products

ProductFirst Chicago 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 Insurance--yes
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

  • First Chicago Reviews
  • Liberty Mutual Reviews
3.3
5 Stars
50 %
3 Stars
17 %
1 Star
33 %

Most Positive Review

By Lynn
It's my choice I just need a lower rate

Most Critical Review

By Vincent
TOO EXPENSIVE!!

All Reviews

Showing 1 - 6 out of 6 Reviews
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Read reviews that mention

maria diaz
Es barato y miy Buena aseguranza
Tracy
If I could give them zero stars I would. I was in a wreck that was not my fault and had a very hard time communicating with this company. That should've been my first red flag. I drive a Chevy 1500 Silverado and needed a like kind rental car for my business to operate. I got a Tahoe as a rental car so I could continue working then when it came time to get a check they did not even give me half for the rental car. What they never mentioned (because they were impossible to get ahold of) was that you only get $29 a day for a vehicle. I WAS NEVER TOLD THIS. So now I am out over $1000 and they have taken zero responsibility. If you get in a wreck and they have this insurance company try like HELL to settle without getting insurance involved because you will hate them as much as I did. TRASH company. TRASH employees. TRASH communication. and TRASH management. ABSOLUTE GARBAGE.
Quinica Darden
They suck majorly. I've paid all this money every month, then something finally happens. These people have had my car for the longest, and they haven't called me to update me on anything. They are moving extremely slow with my process. Ive been in this rental for 2 weeks now and have had to pay 599.00 for the two weeks. They will only reimburse me up to 420.00 of that. Now I have to keep the rental longer and pay more because they took their sweet time with my claim, and still don't have any information to give me about my car that they still have in their possession. People pay their money to feel safe and secure, and know they will be taken care of. Even their managememt promised to call me back to update me and still didn't. I never got one call from my claims officer ever. I had to call them because they xan take my money but dont know how to contact you and update you on tue status of your property. I feel scammed. I feel like Ive been jipped out if everything. I would not recomment these people. I would give them 0 stars if that was an option. I payed full coverage service to barely receive service at all. I want to say so much more, but its beneath me. It's been 30 days now and still no answer from them. I cant wait to get my property back. 1st chicago will not get another dime from me. Im switching to Progressive. They might cist more, but they take better care of their people, and actually care. I can't believe I stayed with this company for as ling as I did.
Misty cooksey
5 stars
Lynn
It's my choice I just need a lower rate
Vincent
TOO EXPENSIVE!!

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.