Liberty Mutual vs. Nationwide Car Insurance: Expert Recommended (2024)
Introducing a comparison between Liberty Mutual and Nationwide car insurance, dissecting their offerings in pricing, discounts, claims processes, and technological advancements for informed decision-making.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
UPDATED: Feb 8, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Feb 8, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
| Factor | Liberty Mutual | Nationwide |
|---|---|---|
| Clean Record | $174 | $115 |
| 1+ Ticket | $212 | 137 |
| 1+ Accident | $234 | $161 |
| DUI | $313 | $237 |
| Poor Credit | $299 | $198 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
| Discount | Liberty Mutual | Nationwide |
|---|---|---|
| Anti Theft | 15% | 35% |
| Good Student | 12% | 10% |
| Low Mileage | 20% | 25% |
| Paperless | 10% | 5% |
| Safe Driver | 12% | 10% |
| Senior Driver | 23% | 10% |
Liberty Mutual
Pros:
- Strong financial stability (A rating from A.M. Best)
- Wide array of available discounts
- Accessible 24/7 customer service
- User-friendly mobile app for policy management
- Offers roadside assistance coverage
Cons:
- Generally higher car insurance rates compared to competitors
- Mixed customer feedback on claims resolution and payouts
- Average or below-average rankings in customer satisfaction (J.D. Power)
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Nationwide
Pros:
- Excellent financial strength (A+ rating from A.M. Best)
- Competitive pricing with lower average car insurance rates
- Variety of discounts available
- Robust online account management capabilities
- Offers roadside assistance coverage
Cons:
- Some complaints regarding claim resolution experiences
- Mixed reviews on customer satisfaction rankings (J.D. Power)
- Limited availability of customer service compared to 24/7 service by competitors
Is Liberty Mutual or Nationwide car insurance cheaper?
It may surprise you to learn exactly what goes into determining your car insurance rates. Companies look at everything from your age, gender, and driving record to your credit history to calculate your rates.
Even though both companies offer similar coverages, these factors can make the difference in determining how affordable Liberty Mutual vs. Nationwide car insurance is for you.
Compare Liberty Mutual vs. Nationwide car insurance rates using some of these factors to see which can offer you the best deal.
This table shows you the average annual car insurance rates for each company based on age, gender, and marital status.
Liberty Mutual vs. Nationwide Average Annual Rates Based on Age, Gender, and Marital Status
| Age, Gender, and Marital Status | Liberty Mutual Average Annual Rates | Nationwide Average Annual Rates |
|---|---|---|
| Single 17-year-old female | $9,875.56 | $5,431.46 |
| Single 17-year-old male | $12,181.54 | $6,815.00 |
| Single 25-year-old female | $3,287.35 | $2,431.91 |
| Single 25-year old male | $3,502.13 | $2,739.66 |
| Married 35-year-old female | $3,085.88 | $2,202.69 |
| Married 35-year-old male | $3,179.88 | $2,214.18 |
| Married 60-year-old female | $2,706.04 | $1,987.35 |
| Married 60-year-old male | $3,088.10 | $2,005.06 |
Liberty Mutual is much more expensive than Nationwide regardless of age, gender, or marital status.
Your driving record is one of the most important factors used to determine your car insurance rates. Drivers with accidents, speeding tickets, or DUIs will pay significantly more for auto insurance.
Liberty Mutual vs. Nationwide Average Annual Rates Based on Driving Record
| Driving Record | Liberty Mutual Average Annual Rates | Nationwide Average Annual Rates |
|---|---|---|
| Clean record | $4,774.30 | $2,746.18 |
| With 1 accident | $6,204.78 | $3,396.95 |
| With 1 DUI | $7,613.48 | $4,543.20 |
| With 1 speeding violation | $5,701.26 | $3,113.68 |
Nationwide insurance is cheaper, no matter your driving record. You’ll pay more for car insurance from either company if you have a DUI, but Liberty Mutual charges about $255 more per month than Nationwide in this scenario.
One of the surprising factors used to determine your car insurance rates is your credit score. Car insurance companies believe you’re more likely to pay for damages out of pocket and avoid filing a claim if you have a higher credit score.
Liberty Mutual vs. Nationwide Average Annual Rates Based on Credit History
| Credit History | Liberty Mutual Average Annual Rates | Nationwide Average Annual Rates |
|---|---|---|
| Good | $4,388.18 | $2,925.94 |
| Fair | $5,604.24 | $3,254.83 |
| Poor | $8,802.22 | $4,083.29 |
Yet again, Nationwide is cheaper. Liberty Mutual will cost you hundreds of dollars more per month than Nationwide if you have poor credit.
Some states, like California, no longer allow car insurance companies to use your credit score to calculate your rates.
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Does Liberty Mutual or Nationwide have better car insurance discounts?
Car insurance discounts are a great way to lower your rates. Most companies offer you discounts based on a variety of things, including how many cars you have, your occupation, and even your car’s safety features.
This table shows you the discounts that are offered by Liberty Mutual and Nationwide. If the amount of the discount is known, that’s included as well. You can use this information to determine which company might give you the best discounts.
Liberty Mutual vs. Nationwide Car Insurance Discounts
| Car Insurance Discounts | Liberty Mutual (%) | Nationwide (%) |
|---|---|---|
| Adaptive Cruise Control | 5 | x |
| Adaptive Headlights | 5 | x |
| Anti-lock Brakes | 5 | 5 |
| Anti-Theft | 20 | 25 |
| Claim Free | x | 10 |
| Daytime Running Lights | 5 | 5 |
| Defensive Driver | 10 | 5 |
| Distant Student | N/A | 10 |
| Driver's Ed | 10 | N/A |
| Driving Device/App | 30 | 40 |
| Early Signing | N/A | 8 |
| Electronic Stability Control | 5 | x |
| Family Plan | N/A | 25 |
| Federal Employee | 10 | N/A |
| Forward Collision Warning | 5 | x |
| Full Payment | $5 | N/A |
| Further Education | 10 | 15 |
| Good Credit | N/A | x |
| Good Student | 22.5 | 10 |
| Green Vehicle | 10 | N/A |
| Homeowner | x | 5 |
| Lane Departure Warning | x | x |
| Life Insurance | N/A | x |
| Low Mileage | x | x |
| Loyalty | N/A | 5 |
| Married | x | x |
| Membership/Group | 10 | 7 |
| Military | 4 | N/A |
| Multiple Policies | 20 | 10 |
| Multiple Vehicles | 10 | 20 |
| New Address | 5 | N/A |
| New Customer/New Plan | x | N/A |
| New Graduate | 5 | N/A |
| Newer Vehicle | N/A | x |
| Newly Licensed | 5 | N/A |
| Newlyweds | 5 | N/A |
| Occupation | 10 | 15 |
| Paperless Documents | N/A | 5 |
| Paperless/Auto Billing | x | $30 |
| Passive Restraint | x | 20 |
| Recent Retirees | 4 | N/A |
| Safe Driver | N/A | 35 |
| Stable Residence | N/A | x |
| Students & Alumni | 10 | 7 |
| Switching Provider | 10 | N/A |
| Vehicle Recovery | 35 | 25 |
| VIN Etching | 5 | x |
| Young Driver | x | N/A |
They offer most of the same discounts, but there are some differences. For example, Liberty Mutual offers a driver’s education discount and Nationwide doesn’t. On the other hand, Nationwide offers an early signing discount and Liberty Mutual doesn’t.
Be sure to ask about any discounts you’re eligible for as you compare Liberty Mutual vs. Nationwide car insurance quotes.
Navigating Liberty Mutual vs. Nationwide Car Insurance Claims Process
Ease of Filing a Claim
When it comes to filing a claim with Liberty Mutual or Nationwide, policyholders have multiple options at their disposal. Both companies offer convenient ways to initiate the claims process. You can file a claim online through their respective websites or mobile apps, making it easy for tech-savvy customers to report incidents from the comfort of their homes.
Read more: How do I file a car insurance claim with Nationwide?
Additionally, Liberty Mutual and Nationwide provide the option to file a claim over the phone for those who prefer a more personal approach. These accessible channels make it convenient for customers to report accidents and damages promptly.
Average Claim Processing Time
The speed at which an insurance company processes claims can greatly impact a policyholder’s experience. While specific processing times can vary depending on the complexity of the claim, both Liberty Mutual and Nationwide strive to handle claims efficiently.
On average, they aim to process claims in a timely manner to ensure that customers receive the assistance they need promptly. However, it’s important to keep in mind that individual experiences may vary, and some claims may take longer to resolve than others.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback plays a crucial role in evaluating an insurance company’s performance in handling claims. Policyholders’ satisfaction with the resolution and payout of their claims can provide valuable insights. Both Liberty Mutual and Nationwide have received mixed reviews when it comes to claim resolutions and payouts.
Some customers have reported positive experiences, highlighting the companies’ commitment to fulfilling their obligations. However, others have expressed dissatisfaction, citing issues with claim settlements. To make an informed decision, it’s advisable to consider customer feedback and weigh it against other factors when choosing between Liberty Mutual and Nationwide.
Unveiling Liberty Mutual vs. Nationwide Car Insurance Digital and Technological Advancements
Mobile App Features and Functionality
In today’s digital age, insurance companies offer mobile apps to enhance the customer experience. Liberty Mutual and Nationwide are no exception, providing policyholders with user-friendly mobile apps. These apps offer a range of features and functionality, allowing customers to manage their insurance policies on the go.
You can use the mobile apps to pay your premiums, access policy documents, and even file claims directly from your smartphone or tablet. Both Liberty Mutual and Nationwide have invested in developing robust mobile apps to cater to the needs of tech-savvy customers.
Online Account Management Capabilities
Convenience is key when it comes to managing your insurance policy. Liberty Mutual and Nationwide recognize the importance of online account management. Through their respective websites, policyholders can access a wealth of information about their policies, review coverage details, and make updates as needed.
Whether you want to change your coverage, update your contact information, or view your billing history, these online account management capabilities offer flexibility and ease of use.
Digital Tools and Resources
In addition to mobile apps and online account management, Liberty Mutual and Nationwide provide a variety of digital tools and resources to assist their customers. These tools may include calculators to estimate insurance needs, educational articles on insurance topics, and interactive features to help policyholders better understand their coverage.
By offering these digital resources, both companies aim to empower their customers with the knowledge and tools they need to make informed insurance decisions.
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How do Liberty Mutual and Nationwide compare in financial strength and customer satisfaction?
A.M. Best ranks companies based on how financially stable they are. Liberty Mutual received an A rating, meaning it has an excellent ability to meet its obligations. Nationwide received an A+ rating, showing it has a superior ability to meet its obligations.
Both Liberty Mutual and Nationwide are accredited with the Better Business Bureau and received A+ ratings.
J.D. Power ranked both companies for customer satisfaction on factors like what is offered, billing, price, and claims. Both Liberty Mutual and Nationwide ranked at or below average.
Each company offers a website as well as a mobile app that can be accessed with either your Liberty Mutual or Nationwide insurance login. You can pay your bill, set-up automatic payments, access your insurance policy information, and get your proof of insurance through the websites and apps.
It’s worth pointing out that Liberty Mutual insurance customer service is available 24/7 and Nationwide insurance has set hours when you can reach someone. The Liberty Mutual phone number is 800-290-7933, and you can reach Nationwide at 877-699-6877.
These companies also offer coverages beyond the normal car, homeowners, or renters insurance. You can purchase Liberty Mutual or Nationwide roadside assistance, for example. You can access your roadside assistance by phone or by using your Nationwide or Liberty Mutual login.
Learn more about each company by reading our Liberty Mutual insurance review and our Nationwide review.
Deciding to buy Liberty Mutual vs. Nationwide car insurance can be difficult. Weigh the advantages and disadvantages of each company to determine if either is right for you.
Now that you’ve compared Liberty Mutual vs. Nationwide car insurance, enter your ZIP code to compare quotes from multiple companies near you.
Frequently Asked Questions
Is Liberty Mutual or Nationwide car insurance cheaper?
Liberty Mutual car insurance rates are much higher than Nationwide rates regardless of age, gender, or marital status. Nationwide offers more affordable options.
Does Liberty Mutual or Nationwide have better car insurance discounts?
Both Liberty Mutual and Nationwide offer a variety of car insurance discounts. While they offer most of the same discounts, there are some differences. For example, Liberty Mutual offers a driver’s education discount, and Nationwide offers an early signing discount. It’s important to ask about eligible discounts when comparing quotes.
How do Liberty Mutual and Nationwide compare in financial strength and customer satisfaction?
- Liberty Mutual and Nationwide both have strong financial ratings. Liberty Mutual received an A rating from A.M. Best, indicating excellent financial stability, while Nationwide received an A+ rating, indicating superior financial stability. Both companies are accredited with the Better Business Bureau and have received A+ ratings.
- In terms of customer satisfaction, both Liberty Mutual and Nationwide rank at or below average according to J.D. Power. Factors such as offerings, billing, price, and claims are considered in the rankings.
- Liberty Mutual offers 24/7 customer service, while Nationwide has specific hours of availability. The Liberty Mutual phone number is 800-290-7933, and the Nationwide phone number is 877-699-6877.
- Both companies provide websites and mobile apps for easy access to insurance policy information, bill payment, and proof of insurance.
Do Liberty Mutual and Nationwide offer additional insurance coverages?
Yes, both Liberty Mutual and Nationwide offer additional insurance coverages beyond car, homeowners, or renters insurance. They provide options such as roadside assistance. You can access roadside assistance services by phone or by using your Liberty Mutual or Nationwide login.
What factors affect car insurance rates from Liberty Mutual and Nationwide?
Car insurance rates from both Liberty Mutual and Nationwide are determined by various factors, including:
- Age
- Gender
- Driving record
- Credit history
These factors can significantly impact the affordability of car insurance. It’s important to compare rates based on your specific circumstances to find the best deal.
How do Liberty Mutual and Nationwide compare in financial strength and customer satisfaction?
- Liberty Mutual and Nationwide both have strong financial ratings. Liberty Mutual received an A rating from A.M. Best, indicating excellent financial stability, while Nationwide received an A+ rating, indicating superior financial stability. Both companies are accredited with the Better Business Bureau and have received A+ ratings.
- In terms of customer satisfaction, both Liberty Mutual and Nationwide rank at or below average according to J.D. Power. Factors such as offerings, billing, price, and claims are considered in the rankings.
- Liberty Mutual offers 24/7 customer service, while Nationwide has specific hours of availability. The Liberty Mutual phone number is 800-290-7933, and the Nationwide phone number is 877-699-6877.
- Both companies provide websites and mobile apps for easy access to insurance policy information, bill payment, and proof of insurance.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.