Liberty Mutual vs. Esurance: Discounts, quotes, and comparison

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.

	Go to site Read review	Read review
OVERVIEW			OVERVIEW
About the provider
About the brand	Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.	Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
States served
States served	All 50 states	All states except AK, DE, HI, MT, NH, VT, WY
COVERAGE			COVERAGE
Roadside assistance
Roadside assistance	Optional	Included free
New car protection
New car protection	Yes	Yes
Accident forgiveness
Accident forgiveness	Yes	No
Rideshare coverage
Rideshare coverage	Yes	Yes
SR-22 insurance
SR-22 insurance	Yes	Yes
Claims methods
Claims methods	Online Phone	Online Phone In-person
Payment schedule
Payment schedule	12 months monthly	12 months monthly
DISCOUNTS			DISCOUNTS
Anti-theft device discount
Anti theft device discount	Yes	Yes
Bundling discount
Bundling discount	Yes	Yes
Home owner discount
Home owner discount	Yes	Yes
Military discount
Military discount	Yes	Yes
Multi car discount
Multi car discount	Yes	Yes
Paid in full discount
Paid in full discount	Yes	Yes
Safety device discount
Safety device discount	Yes	Yes
Safe driver discount
Safe driver discount	Yes	Yes
Special employment discount
Special employment discount	Yes	No
Student discount
Student discount	Yes	Yes
Usage based discount
Usage based discount	Yes	No
Learn more
Learn more	Go to site Read review	Read review

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.

Compare your car insurance options to find the best insurance company for you.

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