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

Ley Ramirez
Last updated:

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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.

  • Roadside assistance
  • Accident forgiveness
  • Collision coverage

Our top pick: Liberty Mutual

Car insurance through Liberty Mutual will give coverage options for almost any situation.

  • Roadside assistance
  • Accident forgiveness
  • Collision coverage
  • Better car replacement
  • Coverage for every location
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Promoted
 

Liberty Mutual

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The General

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OVERVIEW

 OVERVIEW
About the provider
About the brand Car insurance through Liberty Mutual will give coverage options for almost any situation. The General offers affordable coverage for nearly any driver who needs car insurance.
States served
States served All 50 states All states except Hawaii, Massachusetts, Michigan and New Jersey
User satisfaction
User satisfaction 2 stars Not rated
JD Power ratings
JD Power ratings 5 stars 5 stars

COVERAGE

 COVERAGE
Roadside assistance
Roadside assistance Optional Optional
New car protection
New car protection Yes No
Accident forgiveness
Accident forgiveness Yes No
Rideshare coverage
Accident forgiveness Yes No
SR-22 insurance
SR-22 insurance Yes
 Yes
Claims methods
Claims methods online
phone
 phone
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 No Yes
Military discount
Military discount No 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
Other discounts
Other discounts Newly married discount
Learn more
Learn more
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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

Name Product Roadside assistance New car protection Accident forgiveness Available states
Progressive
Progressive
Optional
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
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Metromile
Metromile
Optional
AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
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Geico
Geico
Optional
Drivers in these states can apply: AK, AL, AZ, CA, CT, DC, FL, GA, HI, ID, KS, MA, MD, ME, MT, NC, NE, NH, NJ, NY, OH, OR, SC, TN, TX, UT, VA, VT, WA, WY
As the nation’s second largest auto insurance company, Geico streamlines the process of purchasing car insurance. Drivers in these states can apply: AK, AL, AZ, CA, CT, DC, FL, GA, HI, ID, KS, MA, MD, ME, MT, NC, NE, NH, NJ, NY, OH, OR, SC, TN, TX, UT, VA, VT, WA and WY.
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Allstate
Allstate
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
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Liberty Mutual
Liberty Mutual
Optional
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Go to site
More Info
Root
Root
AZ, AR, CO, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 24 states.
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Esurance
Esurance
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
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Farmers
Farmers
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
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