Liberty Mutual vs Safeco Car Insurance

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Ratings

Insurify Composite Score

Liberty Mutual
82
What is this?

Insurify Composite Score

Safeco
86
What is this?

Insurify Composite Score

Liberty Mutual VS Safeco
82
86
What is this?
User Ratings
OptionsLiberty Mutual Safeco
Rating/Reviews
857 reviews
1,801 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsLiberty Mutual Safeco
Call Center RepresentativeAbout averageThe rest
Insurer WebsiteBetter than most--
Local AgentBetter than mostBetter than most
Overall SatisfactionAbout averageAbout average
Policy OfferingsBetter than mostAbout average
PricingAbout averageAbout average
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsLiberty Mutual Safeco
Claim ServicingThe restThe rest
Estimation ProcessThe restThe rest
First Notice of Loss (FNOL)About averageThe rest
Overall SatisfactionThe restThe rest
Rental ExperienceAbout averageThe rest
Repair ProcessAbout averageThe rest
SettlementThe restThe rest
J.D. Power Ratings by Region (out of 1000)
RegionLiberty Mutual Safeco
California816 pt
About average
811 pt
About average
Central806 pt
The rest
803 pt
The rest
Florida805 pt
The rest
825 pt
About average
Mid-Atlantic801 pt
The rest
--
New England809 pt
About average
796 pt
The rest
New York818 pt
About average
--
North Central812 pt
The rest
803 pt
The rest
Northwest807 pt
About average
798 pt
The rest
Southeast814 pt
The rest
820 pt
About average
Southwest811 pt
About average
792 pt
The rest
Texas807 pt
The rest
--
Mobile App Ratings
RegionLiberty Mutual Safeco
Android
2,531 Reviews
89 Reviews
iOS
12,900 Reviews
1,200 Reviews
Financial Ratings
OptionsLiberty Mutual Safeco
A.M. BestAA
FitchA-A-
Moody'sA2A2
Standard & Poor'sAA

Quotes & Discounts

Discount typeLiberty Mutual Safeco
Advance shopper discountUp to 45%--
Driving training discountUp to 30%Varies
RightTrack DiscountUp to 30%Varies
Anti-Theft Device DiscountUp to 25%Up to 3%
Good Student DiscountUp to 22%Up to 16%
Passive Restraint DiscountUp to 20%--
Starting your auto quote online discountUp to 12%--
Multiple Vehicle DiscountUp to 5%Up to 36%
Accident Free DiscountVariesVaries
Accident Prevention Course DiscountVaries--
Anti-lock Brake DiscountVariesVaries
ByMile DiscountVaries--
Claims Free Renewal DiscountVariesVaries
EV/Hybrid DiscountVaries--
Early Shopper DiscountVariesVaries
Electronic Stability ControlVaries--
Home Owner DiscountVariesVaries
Military DiscountVaries--
Multiple Policy DiscountVariesVaries
New Graduate DiscountVaries--
New Teen Driver DiscountVariesVaries
Newlywed DiscountVaries--
Organization DiscountVaries--
Paid in full discountVariesVaries
Paperless documents discountVaries--
Policy Update/Extension DiscountVaries--
Preferred payment discountVaries--
Safety Feature DiscountVaries--
Senior Adult DiscountVariesVaries
Signing documents when you buy online discountVaries--
Student Away at School DiscountVariesUp to 20%
teenSMART DiscountVariesUp to 15%
Accident Forgiveness--Varies
Deductible discount--Varies
Defensive Driver Discount--Varies
Diminishing Deductible--Varies
Good Credit Discount--Up to 73%
Good Driver Discount--Up to 15%
Low Mileage Discount--Up to 20%
Loyalty Discount--Varies
Prepay Discount--Varies

Payment Methods

Discount typeLiberty Mutual Safeco
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit yesyes
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 ServicesLiberty Mutual Safeco
24/7 serviceyesyes
Accident forgivenessyesyes
Diminishing deductible--yes
Enhanced towing & substitute coverageyes--
Mobile appyes--
Online account managementyesyes
Policy bundling discountsyes--
Reimbursement of first aid--yes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesLiberty Mutual Safeco
Accident Forgiveness
yesyes
Better Car Replacement
yes--
Build Your Own Plan
--yes
Electronic Key & Lock Replacement
--yes
Emergency Assistance Coverage
yesyes
Emergency Lockout Coverage
yes--
First Aid Reimbursement
--yes
Gap Insurance
yesyes
Legal Defense Costs Coverage
yes--
Lifetime Repair Guarantee
yes--
New Car Replacement Coverage
yesyes
Original Equipment Manufacturer Coverage
yes--
Personal/Upgraded Item Coverage
--yes
Pet Coverage
--yes
Rental Reimbursement
yesyes
Ridesharing Coverage
--yes
Roadside Assistance
yesyes
Sound System Coverage
--yes
Teachers Insurance
yes--
Vanishing Deductible
yesyes
Work Loss Coverage
yes--

Online Quoting by State

  • Liberty Mutual
  • Safeco
  • Both

Uber and Lyft driver insurance

  • Liberty Mutual
  • Safeco
  • Both

SR‌-22 Insurance by State

  • Liberty Mutual
  • Safeco
  • Both

Compare Insurance Products

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

User Reviews

  • Liberty Mutual Reviews
  • Safeco 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