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

Liberty Mutual vs. Esurance

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Fact checked

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.

Our top pick: Liberty Mutual

Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.

  • Roadside assistance
  • Accident forgiveness
  • Collision coverage
  • Better car replacement
  • Coverage for every location
  • Roadside assistance
  • Accident forgiveness
  • Collision coverage
Promoted
 

Liberty Mutual

Esurance

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

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.

Compare alternatives to Liberty Mutual and Esurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Car Insurance Finder
Optional
Optional
Yes
All 50 states
Get your customized online car insurance quote from top brands near you. Answer 3 easy questions to see your top picks in seconds.
Assurance
Optional
Yes
All states except AK & HI
This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
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