Liberty Mutual vs Nationwide 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

Liberty Mutual
82
What is this?

Insurify Composite Score

Nationwide
89
What is this?

Insurify Composite Score

Liberty Mutual VS Nationwide
82
89
What is this?
User Ratings
OptionsLiberty Mutual Nationwide
Rating/Reviews
857 reviews
3,848 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsLiberty Mutual Nationwide
Call Center RepresentativeAbout averageThe rest
Insurer WebsiteBetter than mostAmong the best
Local AgentBetter than mostBetter than most
Overall SatisfactionAbout averageAbout average
Policy OfferingsBetter than mostBetter than most
PricingAbout averageAbout average
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsLiberty Mutual Nationwide
Claim ServicingThe restAbout average
Estimation ProcessThe restBetter than most
First Notice of Loss (FNOL)About averageBetter than most
Overall SatisfactionThe restAbout average
Rental ExperienceAbout averageBetter than most
Repair ProcessAbout averageBetter than most
SettlementThe restAbout average
J.D. Power Ratings by Region (out of 1000)
RegionLiberty Mutual Nationwide
California816 pt
About average
796 pt
About average
Central806 pt
The rest
803 pt
The rest
Florida805 pt
The rest
793 pt
The rest
Mid-Atlantic801 pt
The rest
823 pt
The rest
New England809 pt
About average
817 pt
About average
New York818 pt
About average
806 pt
The rest
North Central812 pt
The rest
815 pt
The rest
Northwest807 pt
About average
782 pt
The rest
Southeast814 pt
The rest
823 pt
About average
Southwest811 pt
About average
805 pt
The rest
Texas807 pt
The rest
813 pt
The rest
Mobile App Ratings
RegionLiberty Mutual Nationwide
Android
2,531 Reviews
1,829 Reviews
iOS
12,900 Reviews
40 Reviews
Financial Ratings
OptionsLiberty Mutual Nationwide
A.M. BestAA+
FitchA---
Moody'sA2A1
Standard & Poor'sAA+

Auto Insurance Quotes

For Married Drivers

CityLiberty Mutual Nationwide
Austin--$73
Chicago--$184
Philadelphia--$87
Santa Monica--$96

For Single Drivers

CityLiberty Mutual Nationwide
Austin--$99
Chicago--$183
Philadelphia--$96
Santa Monica--$231

For Male Drivers

CityLiberty Mutual Nationwide
Austin--$84
Chicago--$185
Philadelphia--$90
Santa Monica--$215

For Female Drivers

CityLiberty Mutual Nationwide
Austin--$88
Chicago--$182
Philadelphia--$93
Santa Monica--$112

For Drivers with Speeding Ticket

CityLiberty Mutual Nationwide
Austin--$115
Chicago--$285
Philadelphia--$102
Santa Monica--$270

For Drivers with No Speeding Ticket

CityLiberty Mutual Nationwide
Austin--$80
Chicago--$161
Philadelphia--$90
Santa Monica--$141

For Drivers Age Between 18-40

CityLiberty Mutual Nationwide
Austin--$97
Chicago--$185
Philadelphia--$94
Santa Monica--$262

For Drivers Age Between 40-65

CityLiberty Mutual Nationwide
Austin--$70
Chicago--$172
Philadelphia--$82
Santa Monica--$85

For Drivers Age of 65+

CityLiberty Mutual Nationwide
Austin--$108
Chicago--$217
Philadelphia--$112
Santa Monica--$88

For Drivers with Average Credit

CityLiberty Mutual Nationwide
Austin--$105
Chicago--$207
Philadelphia--$104
Santa Monica--$147

For Drivers with Fair Credit

CityLiberty Mutual Nationwide
Austin--$87
Chicago--$185
Philadelphia--$91
Santa Monica--$117

For Drivers with Good Credit

CityLiberty Mutual Nationwide
Austin--$70
Chicago--$197
Philadelphia--$90
Santa Monica--$106

For Drivers with Excellent Credit

CityLiberty Mutual Nationwide
Austin--$83
Chicago--$144
Philadelphia--$80
Santa Monica--$285

Quotes & Discounts

Discount typeLiberty Mutual Nationwide
Advance shopperUp to 45%--
Driving trainingUp to 30%--
RightTrackUp to 30%--
Anti-Theft DeviceUp to 25%Up to 5%
Good StudentUp to 22%Up to 15%
Passive RestraintUp to 20%--
Starting your auto quote onlineUp to 12%--
Multiple VehicleUp to 5%Up to 20%
Accident FreeVariesVaries
Accident Prevention CourseVaries--
Anti-lock BrakeVaries--
ByMileVaries--
Claims Free RenewalVaries--
EV/HybridVaries--
Early ShopperVaries--
Electronic Stability ControlVaries--
Home OwnerVaries--
MilitaryVaries--
Multiple PolicyVariesUp to 25%
New GraduateVaries--
New Teen DriverVaries--
NewlywedVaries--
OrganizationVariesUp to 10%
Paid in fullVaries--
Paperless documentsVariesVaries
Policy Update/ExtensionVaries--
Preferred paymentVariesVaries
Safety FeatureVaries--
Senior AdultVaries--
Signing documents when you buy onlineVaries--
Student Away at SchoolVaries--
teenSMARTVaries--
Accident Forgiveness--Varies
Affinity group--Varies
Defensive Driver--Up to 10%
Driving Habits--Varies
Family--Up to 25%
Farm Bureau--Up to 10%
Good Driver--Up to 10%
SmartRide--Up to 10%

Payment Methods

Discount typeLiberty Mutual Nationwide
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--
Multi-Payment Installment Plans
--yes
Online Payment
yesyes
Payroll Deduction
yes--
Person 2 Person Payment --yes
Phone Payment
yesyes
Prepayment
yes--

Features and Services

Features and ServicesLiberty Mutual Nationwide
24/7 serviceyes--
Accident forgivenessyes--
Enhanced towing & substitute coverageyes--
Mobile appyes--
Online account managementyesyes
Policy bundling discountsyes--
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesLiberty Mutual Nationwide
Accident Forgiveness
yesyes
Antique or Collector Car Insurance
--yes
Better Car Replacement
yes--
Emergency Assistance Coverage
yes--
Emergency Lockout Coverage
yes--
Gap Insurance
yesyes
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
yesyes
Work Loss Coverage
yes--

Uber and Lyft driver insurance

  • Liberty Mutual
  • Nationwide
  • Both

Compare Insurance Products

ProductLiberty Mutual Nationwide
Accident InsuranceAccident Insuranceyes--
ATV InsuranceATV Insuranceyes--
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insuranceyes--
Classic Car InsuranceClassic Car Insuranceyes--
Condo InsuranceCondo Insuranceyes--
Critical Illness InsuranceCritical Illness Insuranceyes--
Dwelling Fire InsuranceDwelling Fire Insuranceyes--
Flood InsuranceFlood Insuranceyes--
Home InsuranceHome Insuranceyesyes
Identity Theft InsuranceIdentity Theft Insuranceyes--
Life InsuranceLife Insuranceyesyes
Mobile Home InsuranceMobile Home Insuranceyes--
Motorcycle InsuranceMotorcycle Insuranceyes--
Pet InsurancePet Insuranceyesyes
Renters InsuranceRenters Insuranceyes--
RV InsuranceRV Insuranceyes--
Small Business InsuranceSmall Business Insuranceyes--
Tuition InsuranceTuition Insuranceyes--
Umbrella InsuranceUmbrella Insuranceyes--

User Reviews

  • Liberty Mutual Reviews
  • Nationwide Reviews
3.0
5 Stars
28 %
4 Stars
15 %
3 Stars
16 %
2 Stars
8 %
1 Star
32 %

Most Positive Review

By Lisa
They have been very supportive and was able to be there when we had a claim to file. They have been very quick in their responses. I wish we could stay with them. I was very satisfied with them. They were very professional and was there when we needed them. We really like them.

Most Critical Review

By Cynthia
I already told you. Got treated very badly first month with you. You tried to take money from my account for a year payment when I was month to month. Tried,more than once .Threatened me with cancelation, raised my quotes rate 3 times without telling me. Lousy agent. Lied to. Stolen from. Cost me money,which you did pay back. Rotten service all around. Every month you change my due date. It was suppose to be the 15th of each month, now it's the 9th. I don't trust you people. My rate now is not what I was quoted. I want cheaper insurance because I have and always have had a clean record and hardly ever drive. You won't give me what I need or want. You say you can't. So, I'm looking elsewhere. I've found one for $55.00monthly. Can you beat that?

All Reviews

Showing 1 - 10 out of 856 Reviews
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Read reviews that mention

Debby Records
Horrible experience with claims. Wouldn't trust again.
Reese
I started my policy with them in July at 137 month. Then in September I got a letter stating my premium went up $90 dollars! The reasoning, I have a family member in the house who can drive and we never signed the form. There is just one little issue with that, we never got the form. I was just reading that someone else went through thee exact same thing. They then proceed to say, "Well we sent it by email." Knowing full well not everyone checks emails constantly. Shouldn't they have sent that by mail? When I asked if I could talk to a supervisor, I was flat out told, "No." I have recently canceled my policy and they now are saying I owe 317 dollars? DO NOT TRUST LIBERTY MUTUAL
Rudelania
Marvin
Reported bad info to C.L.U.E., stating I had a chargeable accident and that they paid out $500. I was not at fault, claim was canceled and $0 paid out! It took intervention by Florida Department of Financial Services. They accomplished in 1 day what I had been working on for over 2 months. I will NEVER trust Liberty Mutual again.
Michael
They normally take care of me. Premium is a little high. If I could get it $40-50 cheaper I probably wouldnt leave.
Paul
Service was great but premium cost are high.
Amanda
Customer services had been extremely poor
Rhonda
Long time customer. Never had a claim. I rec'd a traffic ticket 2 years ago and they added 15% to my insurance premium. Didn't even ask what happened.
Verlie
On line was easy
Jimmy
was ok up yo now then my rate went up without any ticket or claim
Showing 1 - 10 out of 856 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.