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Liberty Mutual vs. Nationwide: Which company is right for you?

Compare Liberty Mutual vs. Nationwide car insurance

Founded in 1912, Liberty Mutual is the nation’s seventh-largest insurance brand. It gets an outstanding A+ from the Better Business Bureau, but only a 2 out of 5 from J.D. Powers in overall satisfaction with claims. With an insurance policy through Liberty Mutual, you can expect benefits, coverage options and discounts — all at an affordable price. Roadside assistance is also included.

Like Liberty Mutual, Nationwide also receives high marks from the BBB, and gets a 3 out of 5 from J.D. Powers. Nationwide also offers many discounts, including a safe driver discount and a multi-car discount, among others. Because of the similarities between Liberty Mutual and Nationwide, picking the right one can be tough. That’s why we’ve lined up the two insurance providers side by side in this comprehensive comparison to make your decision easier.

Liberty Mutual

Nationwide

OVERVIEW

OVERVIEW
About the provider
About the brand Earn free accident forgiveness after five years claims-free and customize your policy anytime.

Speak to an agent: 877-336-0538

Nationwide is among the nation’s top ten car insurance providers, offering the full range of service and a promise to be “on your side” with stellar service.
States served
States served All 50 states & DC
All states except AK, HI, LA, MA

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Optional Optional
New car protection
New car protection Yes Yes
Accident forgiveness
Accident forgiveness Yes Yes
Rideshare coverage
Rideshare coverage Yes No
SR-22 insurance
SR-22 insurance Yes Yes
Claims methods
Claims methods Online
Phone
Online
Phone
Payment schedule
Payment schedule 12 months
monthly
12 months
6 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 No
Military discount
Military discount Yes No
Multi car discount
Multi car discount Yes No
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 Yes, 5-40%
Learn more
Learn more

Bottom line

Both Liberty Mutual and Nationwide do well in customer satisfaction, and they both offer discounts. It comes down to which discounts apply to your personal situation. Unlike Nationwide, Liberty offers a multi-car discount. So if you need to insure more than one car, Liberty might come out ahead for you. But if you’re looking for a defensive driver discount, take a look at Nationwide.

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

Compare alternatives to Liberty Mutual and Nationwide

Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
Allstate
Yes
Yes
Drivewise
Yes
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.

Speak to an agent: 877-526-1527

Progressive
loan/lease coverage
Yes
Snapshot
Yes
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Yes
Depends on provider
No
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
Root
No
Yes
Telematics only
Yes
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
The AARP Auto Insurance Program from the Hartford
Yes
Yes
TrueLane®
No
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
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