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

Liberty Mutual vs. The General

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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

Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.

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

Liberty Mutual

The General

OVERVIEW

OVERVIEW
About the provider
About the brand Build a policy online or with local agent support, with features like better car replacement and accident forgiveness. Basic, affordable coverage for almost any driver, including drivers with past claims or SR-22.
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
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 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
Learn more
Learn more

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 Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Get unlimited discounts and score a lower deductible every 6 months you don't make a claim.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Find basic coverage and low rates through its easy online or app-based experience.
Assurance
Optional
Yes
All states except AK & HI
Your broker is your one-stop shop for comparing any coverage you need.
Car Insurance Finder
Optional
Optional
Yes
All 50 states
Get your customized online car insurance quote from top brands near you. Answer 3 easy questions to see your top picks in seconds.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Enjoy exclusive savings and benefits designed for experienced drivers over the age of 49.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Convenient online quotes, coverage and claims for tech-savvy drivers.
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Compare up to 4 providers

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