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

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

Liberty Mutual vs. Nationwide

Founded in 1912, Liberty Mutual is the nation’s seventh-largest insurance provider. 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 MutualLiberty MutualNationwideNationwide
AboutFormed 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.Nationwide is not just an auto insurance company, it is also one of the largest financial services companies in America. Its flexible options and member resources are among a few of the reasons people have chosen Nationwide since 1926.
PricePolicy costs depend your personal situation. Visit Liberty Mutual for a quote based on your specific needs.Policy costs depend your personal situation. Visit Nationwide for a quote based on your specific needs.
States servedAll 50 states46
User satisfaction*A+A
J.D. Power ratings**2/5 on overall claims satisfaction3/5 on overall claims satisfaction
Driver discountsView driver discounts
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 MutualLiberty MutualNationwideNationwide
Good studentVaries (under 25, B average or higher)Varies (full-time student, B average or higher, 16 to 24)
Defensive driverNoYes
Good driverNoUp to 10% (no at-fault accidents and free of major violations for at least 5 years)
Pay in full discountYesNo
Multi carYesNo
MilitaryNoNo
HomeownerNoNo
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
  • Multi policy discount – Up to 20%
  • SmartRide discount – 5-40% (usage based discount using plug-in device)
  • Nationwide Family Plan – Up to 25%
  • Easy-Pay sign-up discount
  • Affinity car insurance discounts – For members of partner business or organization
  • Paperless documents discount – Varies

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Vehicle discounts

Liberty MutualLiberty MutualNationwideNationwide
Anti-theft deviceYesVaries (factory-installed deterrents)
Anti-lock brakeYesNo
Passive restraintsNoN/A
Air bagNoNo
Other discounts
  • Hybrid vehicle discount
  • Adaptive cruise control
  • Lane departure warning
  • Collision preparation systems

 


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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 all car insurance companies at once

Compare 7+ car insurance companies. Enter your zip code below and click ‘Compare Now’ to begin.

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