Liberty Mutual vs. The General: Which provider is better?

Are you considering Liberty Mutual and The General for auto insurance? You’ll need the details on each provider to pick the best one for your situation. But first let’s take an overview of each company before we get into the specifics.

Liberty Mutual makes the process of purchasing car insurance understandable and easy. The website includes ways to get quotes, check coverage mandates by state, and even help identify what exactly you need from your car insurance. They get an A+ from the Better Business Bureau and provide discounts, making car insurance more affordable.

Like Liberty Mutual, The General also gets an A+ from the BBB. The company is known for insuring drivers with less-than-perfect driving records. If you fall into this category, it might be a good option. Let’s take a look at the details of each provider so you can make your choice.

Our top pick: Liberty Mutual

Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.

• 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

Get a quote
Read review

	Go to site Read review	Go to site Read review
OVERVIEW			OVERVIEW
About the provider
About the brand	Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.	Snag affordable coverage for high-risk drivers, a marketing claim backed by our rate analysis which showed premiums less than $80 a month.
States served
States served	All 50 states	All states except Hawaii, Massachusetts, Michigan and New Jersey
COVERAGE			COVERAGE
Roadside assistance
Roadside assistance	Optional	Optional
New car protection
New car protection	Yes	No
Accident forgiveness
Accident forgiveness	Yes	No
Rideshare coverage
Rideshare coverage	Yes	No
SR-22 insurance
SR-22 insurance	Yes	Yes
Claims methods
Claims methods	Online Phone	Phone App
Payment schedule
Payment schedule	12 months monthly	12 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	Yes
Military discount
Military discount	Yes	Yes
Multi car discount
Multi car discount	Yes	Yes
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	No
Special employment discount
Special employment discount	Yes	No
Student discount
Student discount	Yes	Yes
Usage based discount
Usage based discount	Yes	No
Learn more
Learn more	Go to site Read review	Go to site Read review

Bottom line

Both Liberty Mutual and The General have a good reputation for customer service. But Liberty Mutual comes out ahead if you are looking for discounts. However, if you can’t get coverage through Liberty Mutual because of a poor driving history, The General is a good second choice. Compare your car insurance options to find the best insurance company for you.

Compare alternatives to Liberty Mutual and The General