Our top pick: Liberty Mutual
- Get coverage with new car replacement or a lowering deductible fund
- Access convenient online tools for claims or coverage updates
- Rewards safe driving with low rates and accident forgiveness
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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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. |
All 50 states | All states except AK, DE, HI, MT, NH, VT, WY |
Optional | Included free |
Yes | Yes |
Yes | No |
Yes | Yes |
Yes |
Yes |
Online Phone |
Online Phone In-person |
12 months monthly |
12 months monthly |
Yes | Yes |
Yes | Yes |
Yes | Yes |
Yes | Yes |
Yes | Yes |
Yes | Yes |
Yes | Yes |
Yes | Yes |
Yes | No |
Yes | Yes |
Yes | No |
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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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