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

Liberty Mutual vs. The General

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.

	Liberty Mutual	The General
About the provider	Formed 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.	The General specializes in budget-friendly insurance plans for drivers who may be deemed “risky” elsewhere. Conveniently selling directly to customers online, insurance can be approved and put a driver on the road in no time.
Price	Policy costs depend your personal situation. Visit Liberty Mutual for a quote based on your specific needs.	Policy costs depend your personal situation. Visit The General for a quote based on your specific needs.
States served	All 50 states	46
User satisfaction*	A+	A+
J.D. Power ratings**	2/5 on overall claims satisfaction	N/A
Driver discounts	View driver discounts	View driver discounts
Vehicle discounts	View vehicle discounts	View vehicle discounts
	Go to site | Read review	Read Review

* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study

Driver discounts

	Liberty Mutual	The General
Good student	Varies (under 25, B average or higher)
Defensive driver
Good driver
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
	Go to site | Read review	Read Review

Vehicle discounts

	Liberty Mutual	The General
Anti-theft device
Anti-lock brake
Passive restraints
Air bag
Other discounts	Hybrid vehicle discount Adaptive cruise control Lane departure warning Collision preparation systems
	Go to site | Read review	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.