Liberty Mutual vs. Nationwide: Best Car Insurance for 2021
When comparing Liberty Mutual vs. Nationwide, Nationwide car insurance is cheaper. Liberty Mutual received an A rating from A.M. Best, and Nationwide received an A+. Both Liberty Mutual and Nationwide scored an A+ with the BBB, but customer satisfaction ratings are at or below average. Be sure to add any available discounts when you compare Liberty Mutual vs. Nationwide car insurance rates.
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UPDATED: Jul 29, 2021
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- Nationwide car insurance is cheaper in general than Liberty Mutual
- Nationwide has an A+ rating with A.M. Best, and Liberty Mutual has an A rating
- Both Liberty Mutual and Nationwide have an A+ rating with the Better Business Bureau but score at or below average for customer satisfaction
- A multitude of car insurance discounts are offered by both companies to help lower rates
There are so many car insurance companies out there that it can be difficult to pick the perfect one for you. We’ll compare Liberty Mutual vs. Nationwide car insurance companies side by side to see if either might be the right fit.
It’s important to remember that you don’t have to choose between Liberty Mutual vs. Nationwide. Other companies may be able to offer you the coverage and rates you’re looking for.
Keep reading to compare Liberty Mutual vs. Nationwide car insurance. Enter your ZIP code now to receive free car insurance quotes from multiple companies near you today.
Is Liberty Mutual or Nationwide car insurance cheaper?
You might be surprised at all of the factors that go into calculating your car insurance rates. Some of the most important factors looked at are your age, gender, marital status, driving record, and credit score.
These factors and more will determine how affordable Liberty Mutual or Nationwide car insurance is for you. Let’s look at some sample rates.
First, see below for the average annual Liberty Mutual vs. Nationwide car insurance 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|
Nationwide car insurance is cheaper regardless of age, gender, and marital status.
Next, we’ll look at average annual rates based on driving record. Your rates will be much higher if you have accidents, tickets, or DUIs on your record.
|Driving Record||Liberty Mutual Average Annual Rates||Nationwide Average Annual Rates|
|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|
Liberty Mutual is more expensive no matter what your driving record looks like.
Finally, let’s look at average annual rates based on your credit score. Insurance companies believe that drivers with higher credit scores are less likely to file claims.
|Credit History||Liberty Mutual Average Annual Rates||Nationwide Average Annual Rates|
Nationwide is once again the cheaper option regardless of credit score. It’s important to note that some states, like Michigan, don’t allow insurance companies to look at your credit score.
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Does Liberty Mutual or Nationwide have better car insurance discounts?
One of the easiest ways to lower your car insurance rates is to add discounts to your policy. Almost every insurer out there offers lots of different discounts, and many times you can bundle them for even greater savings.
This table shows you the available car insurance discounts from Liberty Mutual and Nationwide. If the amount of the discount is known, it is listed.
|Car Insurance Discounts||Liberty Mutual (%)||Nationwide (%)|
|Adaptive Cruise Control||5||x|
|Daytime Running Lights||5||5|
|Electronic Stability Control||5||x|
|Forward Collision Warning||5||x|
|Lane Departure Warning||x||x|
|New Customer/New Plan||x||N/A|
|Students & Alumni||10||7|
While most companies offer many of the same discounts, there are some differences between Liberty Mutual and Nationwide.
For example, Liberty Mutual offers a military discount and Nationwide doesn’t, while Nationwide offers a safe driver discount and Liberty Mutual does not.
As you compare Liberty Mutual vs. Nationwide car insurance quotes, make sure to consider the many discounts offered by each company.
How do Liberty Mutual and Nationwide compare in financial strength and customer satisfaction?
A.M. Best rates companies based on their financial stability. Liberty Mutual scored an A, showing an excellent ability to meet financial obligations. Nationwide scored an A+, showing a superior ability to meet obligations.
The Better Business Bureau rated both Liberty Mutual and Nationwide an A+, and both companies are accredited.
Customer satisfaction ratings for both Liberty Mutual and Nationwide leave a lot to be desired. J.D. Power ranked both companies at or below average in most regions of the U.S.
Liberty Mutual vs. Nationwide: The Bottom Line
Liberty Mutual and Nationwide both offer easy-to-use mobile apps and websites.
You can call customer service or speak with a local agent to get a Liberty Mutual or Nationwide quote. You can also get a Nationwide or Liberty Mutual quote online.
“Is there a Liberty Mutual or Nationwide office near me?” Probably. Liberty Mutual offers coverage in most states, and Nationwide offers coverage in all states.
Liberty Mutual and Nationwide offer many different products and services, such as roadside assistance, and Nationwide or Liberty Mutual windshield replacement.
We know if can be difficult to decide whether to buy Liberty Mutual or Nationwide car insurance. As you compare rates, discounts, and ratings, consider getting quotes from other companies as well to find the best deal for you.
We hope you’ve learned all you need to know about Liberty Mutual vs. Nationwide. Enter your ZIP code now to compare free car insurance quotes from companies near you.