Liberty Mutual vs. Nationwide Car Insurance: Expert Recommended (2023)
When you compare Liberty Mutual vs. Nationwide car insurance, you'll find that Nationwide insurance is less expensive on the whole. However, both companies offer various discounts that will help you lower your rates. In terms of financial ratings, Nationwide came out slightly ahead of Liberty Mutual. However, customer satisfaction scores for Liberty Mutual and Nationwide are both average or below average.
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...
Farmers CSR for 4 Years
UPDATED: Jun 17, 2022
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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: Jun 17, 2022
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
- Liberty Mutual car insurance rates are much higher than Nationwide rates.
- Liberty Mutual and Nationwide have similar Better Business Bureau (BBB) and customer satisfaction ratings.
- Both companies have great financial ratings.
You have a lot of options when you’re looking for the best insurance companies, and comparing them side by side will help narrow down your choices. In this article, we’ll look at Liberty Mutual vs. Nationwide car insurance companies to see which one might best meet your needs.
When choosing between insurance companies, you’ll want to compare rates, discounts, and ratings to see how each measures up.
You don’t have to confine your search to just Liberty Mutual vs. Nationwide. Enter your ZIP code to see free quotes from multiple car insurance companies near you.
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.
| 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.
| 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.
| 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.
| 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.
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.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...
Farmers CSR for 4 Years
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.