Liberty Mutual vs. Direct Auto: Compare rates and discounts

Liberty Mutual vs. Direct Auto: Compare rates and discounts

Liberty Mutual vs. Direct Auto

Both Liberty Mutual and Direct Auto Insurance offer discounts to drivers in an effort to bring down the cost of auto insurance. But the similarities mostly end there.

Liberty has been providing insurance to drivers since 1912, while Direct Auto has been in business since only 1991. Another notable difference is the companies’ reputation for customer service. Direct Auto gets consistently poor reviews from consumers and receives an F from the Better Business Bureau. “Good student” Liberty Mutual gets an A+ from the BBB and is well-liked by its customers. Additionly, Direct Auto only services 13 states. However, Direct Auto does provide insurance to high-risk drivers. If you find yourself in this position, it could be an option.

Take a look at our detailed comparison to get the info you need to make your decision.

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Liberty MutualLiberty MutualDirect AutoDirect Auto
AboutFormed in 1912, Liberty Mutual is committed to delivering insurance at a competitive rate. Taking pride in operating with immense integrity, the diversified global insurer makes an effort to go above and beyond for its members.Founded in 1991, Direct Auto Insurance offers low-cost insurance policies to “nonstandard” drivers — also known as high-risk drivers — who might have a hard time finding coverage elsewhere. But beware, the company gets very poor reviews and only services 13 states.
PricePolicy costs depend your personal situation. Visit Liberty Mutual for a quote based on your specific needs.Policy costs depend your personal situation. Visit Direct Auto for a quote based on your specific needs.
States servedAll 50 states13
User satisfaction*A+F
J.D. Power ratings**2/5 on overall claims satisfactionN/A
Driver discountsView driver discounts
Vehicle discountsView vehicle discounts

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* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study


Driver discounts

Liberty MutualLiberty MutualDirect AutoDirect Auto
Good studentVaries (under 25, B average or higher)Up to 10% (unmarried, full-time student, B average or better)
Defensive driverNoNo
Good driverNoUp to 10% (violation and accident-free for 36 months)
Pay in full discountYesNo
Multi carYesUp to 25%
MilitaryNoUp to 25% (active service member)
HomeownerNoUp to 15%
Other discounts
  • Preferred payment methods discount – Pay in full or automatic payments
  • New to Liberty Mutual Vehicle discount
  • Teen driver discount
  • New graduate discount
  • Newly married discount
  • Newly moved discount
  • Newly retired discount
  • Senior citizen – Up to 5% (55+, completed a motor vehicle prevention course)
  • Prior coverage discount – Up to 25% (at another insurance company for 6 months, no more than 90 day lapse between coverage)
  • Renewal discount – Up to 20% (no policy lapse in prior 12 months, renew 7-10 days prior to expiration)
  • Welcome back discount – Up to 6%

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Vehicle discounts

Liberty MutualLiberty MutualDirect AutoDirect Auto
Anti-theft deviceYesN/A
Anti-lock brakeYesN/A
Passive restraintsNoN/A
Air bagNoN/A
Other discounts
  • Hybrid vehicle discount
  • Adaptive cruise control
  • Lane departure warning
  • Collision preparation systems

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Bottom line

Liberty Mutual’s superior reputation and diverse discounts make it the clear winner. But if you don’t qualify for insurance through Liberty, you might want to consider Direct Auto.

Find the cheapest rates

Use our magical comparison tool to find providers offering the cheapest rates in your area.

Your information is secure.

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