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

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

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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 Mutual

Liberty Mutual

Nationwide

Nationwide

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.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 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

Nationwide

Nationwide

Good student Varies (under 25, B average or higher)Varies (full-time student, B average or higher, 16 to 24)
Defensive driver
Good driverUp to 10% (no at-fault accidents and free of major violations for at least 5 years)
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

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 Mutual

Liberty Mutual

Nationwide

Nationwide

Anti-theft deviceVaries (factory-installed deterrents)
Anti-lock brake
Passive restraintsN/A
Air bag
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.

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

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