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

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.

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Liberty Mutual

Liberty Mutual

Esurance

Esurance

About the providerFormed 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.
PricePolicy 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 servedAll 50 states43 states
User satisfaction*A+A+
J.D. Power ratings**2/5 on overall claims satisfaction3/5 on overall claims satisfaction
Driver discountsView driver discountsView driver discounts
Vehicle discountsView 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 Mutual

Liberty Mutual

Esurance

Esurance

Good studentVaries (under 25, B average or higher)Up to 10% (full time student, under the age of 25 and a 3.0 GPA)
Defensive driverUp to 10% (minimum age 50, 55 or 60, depending on state residence and completed a defensive driving course)
Good driver30-40% (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

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Read Review


Vehicle discounts

Liberty Mutual

Liberty Mutual

Esurance

Esurance

Anti-theft device5-25%
Anti-lock brake5%
Passive restraints2-33%
Air bag
Other discounts

Hybrid vehicle discount

Adaptive cruise control

Lane departure warning

Collision preparation systems

New vehicle discount

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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.

You may be able to save on your premium with both insurers, as they offer extensive discounts. Both offer promotions like good-student, pay-in-full and multi-car discounts. You’ll also find vehicle discounts for anti-theft devices and anti-lock brakes.

Compare 7+ car insurance quotes at once

Enter your ZIP code below and click Compare Now to start comparing and finding the best rate near you.

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