Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Jul 29, 2021

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Key Takeaways

  • 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.

Liberty Mutual vs. Nationwide Average Annual Rates Based on Age, Gender, and Marital Status
Age, Gender, and Marital StatusLiberty Mutual Average Annual RatesNationwide 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
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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.

Liberty Mutual vs. Nationwide Average Annual Rates Based on Driving Record
Driving RecordLiberty Mutual Average Annual RatesNationwide 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
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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.

Liberty Mutual vs. Nationwide Average Annual Rates Based on Credit History
Credit HistoryLiberty Mutual Average Annual RatesNationwide Average Annual Rates
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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.

Liberty Mutual vs. Nationwide Available Car Insurance Discounts
Car Insurance DiscountsLiberty Mutual (%)Nationwide (%)
Adaptive Cruise Control5x
Adaptive Headlights5x
Anti-lock Brakes55
Claim Freex10
Daytime Running Lights55
Defensive Driver105
Distant StudentN/A10
Driver's Ed10N/A
Driving Device/App3040
Early SigningN/A8
Electronic Stability Control5x
Family PlanN/A25
Federal Employee10N/A
Forward Collision Warning5x
Full Payment$5N/A
Further Education1015
Good CreditN/Ax
Good Student22.510
Green Vehicle10N/A
Lane Departure Warningxx
Life InsuranceN/Ax
Low Mileagexx
Multiple Policies2010
Multiple Vehicles1020
New Address5N/A
New Customer/New PlanxN/A
New Graduate5N/A
Newer VehicleN/Ax
Newly Licensed5N/A
Paperless DocumentsN/A5
Paperless/Auto Billingx$30
Passive Restraintx20
Recent Retirees4N/A
Safe DriverN/A35
Stable ResidenceN/Ax
Students & Alumni107
Switching Provider10N/A
Vehicle Recovery3525
VIN Etching5x
Young DriverxN/A
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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.

To learn more, read our Liberty Mutual car insurance review and our Nationwide car insurance review.

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.