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.
|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|
|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
|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|
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
Hybrid vehicle discount
Adaptive cruise control
Lane departure warning
Collision preparation systems
New vehicle discount
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.