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Liberty Mutual vs. Esurance: Discounts, quotes, and comparison
Liberty Mutual vs. Esurance
If you’re looking for auto insurance, you may be comparing Liberty Mutual and Esurance.
Liberty Mutual has been around for a long time. Founded in 1912, it’s become one of the 10 largest auto insurers in the United States. Beyond covering vehicles, the company also offers home and life insurance.
Esurance is a younger company, founded in 1999. After getting into the insurance market, it quickly gained traction by selling policies over the internet. This helped them keep premiums low for consumers. Today, Esurance is owned by Allstate.
Check out the comparison tables below to find out whether Liberty Mutual or Esurance is right for you.
- Roadside assistance
- Accident forgiveness
- Collision coverage
Our top pick: Liberty Mutual
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
- Roadside assistance
- Accident forgiveness
- Collision coverage
- Better car replacement
- Coverage for every location
 Liberty Mutual |
 Esurance |
|
|---|---|---|
| About the provider | Formed 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. | Esurance, the online insurance company, is making its name known in the car insurance world, offering affordable coverage for just about any of your vehicles. It takes pride in a hassle-free experience, and customers respect its low rates and excellent customer service. |
| Price | Policy costs depend your personal situation. Visit Liberty Mutual for a quote based on your specific needs. | Policy costs depend your personal situation. Visit Esurance for a quote based on your specific needs. |
| States served | All 50 states | 43 states |
| User satisfaction* | A+ | A+ |
| J.D. Power ratings** | 2/5 on overall claims satisfaction | 3/5 on overall claims satisfaction |
| Driver discounts | View driver discounts | View driver discounts |
| Vehicle discounts | View vehicle discounts | View vehicle discounts |
* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study
Driver discounts
Liberty Mutual |
Esurance |
|
|---|---|---|
| Good student | Varies (under 25, B average or higher) | Up to 10% (full time student, under the age of 25 and a 3.0 GPA) |
| Defensive driver | Up to 10% (minimum age 50, 55 or 60, depending on state residence and completed a defensive driving course) | |
| Good driver | 30-40% (driving for 3 years with 0-1 points on your driving record) | |
| Pay in full discount | ||
| Multicar | ||
| Military | ||
| Homeowner | ||
| 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 |
|
Vehicle discounts
Liberty Mutual |
Esurance |
|
|---|---|---|
| Anti-theft device | 5-25% | |
| Anti-lock brake | 5% | |
| Passive restraints | 2-33% | |
| Air bag | ||
| Other discounts |
Hybrid vehicle discount Adaptive cruise control Lane departure warning Collision preparation systems |
New vehicle discount |
Bottom line
If you’re looking for a battle-tested insurer, it’s hard to go wrong with Liberty Mutual or Esurance. The former has been in the insurance market for over 100 years. The latter is owned by Allstate, an industry giant.
Liberty Mutual has the slight edge on US states covered. It offers insurance in all 50 states, while Esurance covers only 40 states.
Though both insurers earn high Better Business Bureau grades, they stumble in claims satisfaction. Liberty Mutual gets a two-out-of-five score from J.D. Power, and Esurance gets a three out of five.
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