Liberty Mutual vs. Travelers Car Insurance: Expert Recommended (2024)
Comparing Liberty Mutual and Travelers for car insurance reveals nuanced differences in coverage options, pricing, and customer satisfaction, guiding you toward an informed choice tailored to your needs.
Free Auto Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
UPDATED: Mar 18, 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.
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: Mar 18, 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 | Travelers |
|---|---|---|
| Clean Record | $174 | $99 |
| 1+ Ticket | $212 | $134 |
| 1+ Accident | $234 | $139 |
| DUI | $313 | $206 |
| Poor Credit | $299 | $170 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
| Discount | Liberty Mutual | Travelers |
|---|---|---|
| Anti Theft | 15% | 23% |
| Good Student | 12% | 10% |
| Low Mileage | 20% | 5% |
| Paperless | 10% | 3% |
| Safe Driver | 12% | 15% |
| Senior Driver | 23% | 8% |
Liberty Mutual
Pros:
- Diverse coverage options, encompassing vehicles, homes, renters, and more
- Bundling discounts available for auto and home insurance, extending to renters and condo owners
- Multiple policy enrollment discounts and rewards for safe driving
- Accessibility and availability of 24/7 customer service
- RightTrack program offering potential discounts based on driving behavior
Cons:
- Generally higher car insurance rates compared to competitors
- Mixed customer reviews regarding claim resolution and payout experiences
- Limited bundling discounts for other insurance types beyond auto and home insurance
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Travelers
Pros:
- Consistently lower rates across various categories compared to Liberty Mutual
- Slightly better financial ratings than Liberty Mutual
- Competitive customer satisfaction scores
- Streamlined claims process with user-friendly options for filing claims
- Extensive range of discounts available, aiding in reducing premiums
Cons:
- Varied satisfaction levels in claim resolution experiences
- Rates may fluctuate based on individual circumstances and location
- Not accredited by the Better Business Bureau (BBB) despite high ratings
Read more: What discounts are available for Travelers car insurance customers?
Is Liberty Mutual car insurance or Travelers car insurance cheaper?
The factors used to calculate your auto insurance rates might surprise you. Companies determine your rates based on your age, gender, marital status, driving record, and credit history.
Thinking about these factors will help you see how affordable Liberty Mutual vs. Travelers car insurance would be for you. Keep in mind that each driver’s rates will be different.
First, let’s look at Liberty Mutual vs. Travelers car insurance rates by age, gender, and marital status. You might already know that car insurance for younger drivers is very expensive, but it might surprise you to learn just how much rates vary by age.
Liberty Mutual vs. Travelers Average Annual Rates Based on Age, Gender, and Marital Status
| Age, Gender, and Marital Status | Liberty Mutual Average Annual Rates | Travelers Average Annual Rates |
|---|---|---|
| Single 17-year-old female | $9,875.56 | $7,586.79 |
| Single 17-year-old male | $12,181.54 | $11,904.09 |
| Single 25-year-old female | $3,287.35 | $2,059.71 |
| Single 25-year old male | $3,502.13 | $2,165.03 |
| Married 35-year-old female | $3,085.88 | $1,899.93 |
| Married 35-year-old male | $3,179.88 | $1,914.91 |
| Married 60-year-old female | $2,706.04 | $1,806.15 |
| Married 60-year-old male | $3,088.10 | $1,882.23 |
Travelers car insurance is cheaper no matter your age, gender, or marital status.
Your driving record is one of the most important factors that car insurance companies look at. Accidents, speeding tickets, and DUIs will cause your rates to skyrocket.
Liberty Mutual vs. Travelers Average Annual Rates Based on Driving Record
| Driving Record | Liberty Mutual Average Annual Rates | Travelers Average Annual Rates |
|---|---|---|
| Clean record | $4,774.30 | $3,447.69 |
| With 1 accident | $6,204.78 | $4,289.74 |
| With 1 DUI | $7,613.48 | $5,741.40 |
| With 1 speeding violation | $5,701.26 | $4,260.80 |
Insurance from Travelers is less expensive regardless of your driving record.
When determining your auto insurance rates, your credit score is also considered. Insurance companies believe that if you have a better credit score, you are more likely to pay for your own losses rather than filing a claim on your insurance policy.
Liberty Mutual vs. Travelers Average Annual Rates Based on Credit History
| Credit History | Liberty Mutual Average Annual Rates | Travelers Average Annual Rates |
|---|---|---|
| Good | $4,388.18 | $4,058.97 |
| Fair | $5,604.24 | $4,344.10 |
| Poor | $8,802.22 | $5,160.22 |
Yet again, Travelers is the cheaper option whether you have good, fair, or poor credit.
Some states, like California, no longer allow car insurance companies to use your credit score to determine your rates.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Does Liberty Mutual or Travelers have better car insurance discounts?
Discounts on auto insurance are one of the best ways to substantially reduce your rates. Many of the same discounts, such as good student and multi-car discounts, are available from most auto insurance companies.
The table below shows you the discounts offered by Liberty Mutual and Travelers. The amount of the discount is listed, if known. Compare the discounts offered by each company to see who can offer you the best deal.
Liberty Mutual vs. Travelers Car Insurance Discounts
| Car Insurance Discounts | Liberty Mutual (%) | Travelers (%) |
|---|---|---|
| Adaptive Cruise Control | 5 | N/A |
| Adaptive Headlights | 5 | N/A |
| Anti-lock Brakes | 5 | x |
| Anti-Theft | 20 | x |
| Claim Free | x | 23 |
| Continuous Coverage | N/A | 15 |
| Daytime Running Lights | 5 | x |
| Defensive Driver | 10 | 10 |
| Distant Student | N/A | 7 |
| Driver's Ed | 10 | 8 |
| Driving Device/App | 30 | 30 |
| Early Signing | N/A | 10 |
| Electronic Stability Control | 5 | N/A |
| Federal Employee | 10 | N/A |
| Forward Collision Warning | 5 | N/A |
| Full Payment | $5 | 7.5 |
| Further Education | 10 | x |
| Garaging/Storing | N/A | x |
| Good Student | 22.5 | 8 |
| Green Vehicle | 10 | 10 |
| Homeowner | x | 5 |
| Lane Departure Warning | x | N/A |
| Low Mileage | x | x |
| Married | x | N/A |
| Membership/Group | 10 | x |
| Military | 4 | N/A |
| Multiple Policies | 20 | 13 |
| Multiple Vehicles | 10 | 8 |
| New Address | 5 | N/A |
| New Customer/New Plan | x | N/A |
| New Graduate | 5 | N/A |
| Newer Vehicle | N/A | 10 |
| Newly Licensed | 5 | N/A |
| Newlyweds | 5 | N/A |
| Occupation | 10 | x |
| On-Time Payments | N/A | 15 |
| Paperless/Auto Billing | x | 3 |
| Passive Restraint | x | x |
| Recent Retirees | 4 | N/A |
| Safe Driver | N/A | 23 |
| Students & Alumni | 10 | N/A |
| Switching Provider | 10 | N/A |
| Vehicle Recovery | 35 | x |
| VIN Etching | 5 | x |
| Young Driver | x | N/A |
Both companies offer many of the same discounts, but there are some differences. For example, Liberty Mutual offers a military discount and Travelers doesn’t. On the other hand, Travelers offers a continuous coverage discount that Liberty Mutual doesn’t.
Make sure you ask for any available discounts when you compare Liberty Mutual vs. Travelers car insurance quotes.
Streamlining Experience With Liberty Mutual vs. Travelers Car Insurance Claims Process
Ease of Fling a Claim (Online, Over the Phone, Mobile Apps)
When it comes to filing a claim with Liberty Mutual and Travelers car insurance, both companies offer convenient options for policyholders. You can easily file a claim online through their respective websites or mobile apps. Additionally, they provide the option to file a claim over the phone, ensuring flexibility in the claims process.
Average Claim Processing Time
The efficiency of the claims process is a crucial factor for policyholders. Both Liberty Mutual and Travelers aim to provide timely claim processing. However, the average claim processing time may vary depending on the complexity of the claim and the specific circumstances. It’s advisable to contact their customer service for more detailed information on claim processing times.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback plays a significant role in evaluating the quality of an insurance company’s claim resolutions and payouts. Liberty Mutual and Travelers have received varying customer satisfaction ratings in this regard. It’s essential to consider customer reviews and ratings to gain insights into their performance in handling claims and ensuring fair payouts.
Unleashing Innovation With Liberty Mutual vs. Travelers Car Insurance Digital and Technological Features
Mobile App Features and Functionality
Both Liberty Mutual and Travelers offer mobile apps that provide policyholders with convenient access to their accounts. These apps typically allow users to manage their policies, view and pay bills, and even request quotes on-the-go. The specific features and functionality of these apps can enhance the overall digital experience for customers.(For more information, read our “Liberty Mutual Mobile App: Complete Guide & Review“).
Online Account Management Capabilities
Online account management is a key aspect of modern insurance services. Liberty Mutual and Travelers provide online account management platforms that enable policyholders to easily access policy documents, update personal information, and track their claims. These online account management capabilities contribute to a seamless customer experience.
Digital Tools and Resources
To assist policyholders in making informed decisions, both Liberty Mutual and Travelers offer various digital tools and resources. These may include insurance calculators, educational materials, and resources to help customers understand their coverage options better. Exploring these digital tools can empower policyholders to make the right insurance choices.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
How do Liberty Mutual and Travelers compare in financial strength and customer satisfaction?
A.M. Best ranks the financial stability of insurance companies. Liberty Mutual received an A rating, showing it has an excellent ability to meet financial obligations. Travelers received an A+, meaning it has a superior ability to meet obligations.
Liberty Mutual and Travelers both received an A+ rating from the Better Business Bureau. However, Liberty Mutual is accredited and Travelers is not.
J.D. Power ranks companies on customer satisfaction using factors like price, billing, claims, and what products are offered. In most regions, Liberty Mutual insurance ranked at or below average, and Travelers ranked below average.
Both companies offer websites and mobile apps that allow you to access your account, pay bills, and get your proof of insurance with your Travelers or Liberty Mutual login. You can also get a Liberty Mutual or Travelers car insurance quote online.
Liberty Mutual and Travelers insurance companies also offer additional coverage options, such as roadside assistance. You can call or use your Liberty Mutual or Travelers Insurance login to access this service as well.
You can also call Travelers or Liberty Mutual customer service 24 hours a day if you need assistance or have questions. The Travelers Insurance customer service number is 1-800-842-5075, and the Liberty Mutual phone number is 1-800-290-7933.
You can learn more about the companies about Liberty Mutual insurance and Travelers insurance.
Deciding whether to buy Liberty Mutual vs. Travelers car insurance can be difficult. Compare rates, discounts, and ratings to see if either is best for you.
Now that you’ve compared Liberty Mutual vs. Travelers car insurance, enter your ZIP code to see quotes from multiple car insurance companies near you for free.
Frequently Asked Questions
What factors should I consider when choosing between Liberty Mutual and Travelers for car insurance?
When comparing Liberty Mutual and Travelers for car insurance, there are several factors you should consider, such as coverage options, pricing, customer service, financial strength, and discounts available. It’s important to assess your specific needs and preferences to determine which company aligns better with your requirements.
How do the coverage options of Liberty Mutual and Travelers differ?
Both Liberty Mutual and Travelers offer a range of coverage options for car insurance, including liability coverage, collision coverage, comprehensive coverage, personal injury protection, and uninsured/underinsured motorist coverage. However, the specific details and extent of coverage may vary between the two companies. It’s advisable to review their policy details to understand the differences and choose the one that suits your needs.
Which company, Liberty Mutual or Travelers, tends to have better pricing for car insurance?
Car insurance pricing can vary based on numerous factors, including your location, driving history, vehicle type, and coverage requirements. As such, it’s challenging to determine definitively which company will offer better pricing for everyone. It’s recommended to obtain personalized quotes from both Liberty Mutual and Travelers to compare the premiums and choose the option that provides adequate coverage at a competitive price.
How is the customer service of Liberty Mutual and Travelers?
Both Liberty Mutual and Travelers have established reputations for providing solid customer service. However, experiences may vary depending on individual interactions. It can be helpful to read customer reviews, check ratings from reputable sources, and consider personal recommendations to gauge the quality of customer service provided by each company.
Are there any notable differences in the financial strength of Liberty Mutual and Travelers?
Both Liberty Mutual and Travelers are well-established insurance companies with strong financial ratings. Liberty Mutual has consistently received high ratings from credit rating agencies such as A.M. Best and Standard & Poor’s. Travelers also boasts strong financial stability, with high ratings from similar agencies. It’s important to note that financial strength can play a significant role in a company’s ability to fulfill their insurance obligations.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
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.