4.8out of 3,000+ reviews

Liberty Mutual vs Travelers Car Insurance

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auto insurance

Last Updated February 1, 2022

Ratings

Insurify Composite Score

Liberty Mutual
82
What is this?

Insurify Composite Score

Travelers
80
What is this?

Insurify Composite Score

Liberty Mutual VS Travelers
82
80
What is this?
User Ratings
OptionsLiberty Mutual Travelers
Rating/Reviews
857 reviews
395 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsLiberty Mutual Travelers
Call Center RepresentativeAbout averageAbout average
Insurer WebsiteBetter than mostAbout average
Local AgentBetter than mostAbout average
Overall SatisfactionAbout averageAbout average
Policy OfferingsBetter than mostAbout average
PricingAbout averageThe rest
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsLiberty Mutual Travelers
Claim ServicingThe restAbout average
Estimation ProcessThe restAbout average
First Notice of Loss (FNOL)About averageAbout average
Overall SatisfactionThe restAbout average
Rental ExperienceAbout averageAbout average
Repair ProcessAbout averageThe rest
SettlementThe restAbout average
J.D. Power Ratings by Region (out of 1000)
RegionLiberty Mutual Travelers
California816 pt
About average
--
Central806 pt
The rest
814 pt
The rest
Florida805 pt
The rest
810 pt
The rest
Mid-Atlantic801 pt
The rest
820 pt
The rest
New England809 pt
About average
804 pt
The rest
New York818 pt
About average
821 pt
About average
North Central812 pt
The rest
805 pt
The rest
Northwest807 pt
About average
--
Southeast814 pt
The rest
822 pt
About average
Southwest811 pt
About average
809 pt
The rest
Texas807 pt
The rest
--
Mobile App Ratings
RegionLiberty Mutual Travelers
Android
2,531 Reviews
146 Reviews
iOS
12,900 Reviews
49 Reviews
Financial Ratings
OptionsLiberty Mutual Travelers
A.M. BestAA++
FitchA-AA
Moody'sA2Aa2
Standard & Poor'sAAA

Auto Insurance Quotes

For Married Drivers

CityLiberty Mutual Travelers
Chicago--$78
Philadelphia--$99
Phoenix--$81

For Single Drivers

CityLiberty Mutual Travelers
Chicago--$78
Philadelphia--$125
Phoenix--$86

For Male Drivers

CityLiberty Mutual Travelers
Chicago--$76
Philadelphia--$117
Phoenix--$85

For Female Drivers

CityLiberty Mutual Travelers
Chicago--$79
Philadelphia--$108
Phoenix--$82

For Drivers with Speeding Ticket

CityLiberty Mutual Travelers
Chicago--$100
Philadelphia--$179
Phoenix--$114

For Drivers with No Speeding Ticket

CityLiberty Mutual Travelers
Chicago--$73
Philadelphia--$103
Phoenix--$77

For Drivers Age Between 18-40

CityLiberty Mutual Travelers
Chicago--$78
Philadelphia--$122
Phoenix--$89

For Drivers Age Between 40-65

CityLiberty Mutual Travelers
Chicago--$72
Philadelphia--$90
Phoenix--$74

For Drivers Age of 65+

CityLiberty Mutual Travelers
Chicago--$98
Philadelphia--$156
Phoenix--$98

For Drivers with Average Credit

CityLiberty Mutual Travelers
Chicago--$85
Philadelphia--$123
Phoenix--$91

For Drivers with Fair Credit

CityLiberty Mutual Travelers
Chicago--$89
Philadelphia--$120
Phoenix--$95

For Drivers with Good Credit

CityLiberty Mutual Travelers
Chicago--$71
Philadelphia--$91
Phoenix--$74

For Drivers with Excellent Credit

CityLiberty Mutual Travelers
Chicago--$66
Philadelphia--$114
Phoenix--$73

Quotes & Discounts

Discount typeLiberty Mutual Travelers
Advance shopperUp to 45%--
Driving trainingUp to 30%Up to 8%
RightTrackUp to 30%--
Anti-Theft DeviceUp to 25%--
Good StudentUp to 22%Up to 8%
Passive RestraintUp to 20%--
Starting your auto quote onlineUp to 12%--
Multiple VehicleUp to 5%Up to 8%
Accident FreeVaries--
Accident Prevention CourseVaries--
Anti-lock BrakeVaries--
ByMileVaries--
Claims Free RenewalVaries--
EV/HybridVaries--
Early ShopperVaries--
Electronic Stability ControlVaries--
Home OwnerVariesUp to 5%
MilitaryVaries--
Multiple PolicyVariesUp to 13%
New GraduateVaries--
New Teen DriverVaries--
NewlywedVaries--
OrganizationVaries--
Paid in fullVariesUp to 7.5%
Paperless documentsVaries--
Policy Update/ExtensionVaries--
Preferred paymentVariesUp to 3%
Safety FeatureVaries--
Senior AdultVaries--
Signing documents when you buy onlineVaries--
Student Away at SchoolVariesUp to 7%
teenSMARTVaries--
Continuous Coverage--Up to 15%
Defensive Driver--Up to 8%
Early Quote--Up to 10%
Good Payer--Up to 15%
Hybrid/Electric Vehicle--Up to 10%
Low Mileage--Varies
New Car--Up to 10%
No lapse in coverage--Varies
Safe Driver--Up to 23%

Payment Methods

Discount typeLiberty Mutual Travelers
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
yesyes
Online Payment
yesyes
Payroll Deduction
yes--
Phone Payment
yesyes
Prepayment
yes--

Features and Services

Features and ServicesLiberty Mutual Travelers
24/7 serviceyesyes
Accident forgivenessyesyes
Enhanced towing & substitute coverageyes--
Flexible / convenient payments--yes
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesLiberty Mutual Travelers
Accident Forgiveness
yesyes
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
yesyes
Original Equipment Manufacturer Coverage
yes--
Rental Reimbursement
yesyes
Ridesharing Coverage
--yes
Roadside Assistance
yesyes
Small Claim Forgiveness
--yes
Teachers Insurance
yes--
Umbrella Policy
--yes
Vanishing Deductible
yes--
Work Loss Coverage
yes--

Uber and Lyft driver insurance

  • Liberty Mutual
  • Travelers
  • Both

Compare Insurance Products

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

User Reviews

  • Liberty Mutual Reviews
  • Travelers 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.