Liberty Mutual vs. Travelers: Discounts, quotes, and comparison

Liberty Mutual vs. Travelers: Discounts, quotes, and comparison

Liberty Mutual vs. Travelers

Both Liberty Mutual and Travelers are well known insurance companies and have been providing insurance for generations. And both get high marks from the Better Business Bureau.

Liberty Mutual makes insurance affordable with its many discounts, including vehicle safety features and multi-car. Travelers also provides savings to its customers with a good driver discount and a new car discount, among others.

Which provider is right for you? Take a look at our side-by-side comparison below to find the one that best suits your needs.

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Liberty MutualLiberty MutualTravelersTravelers
AboutFormed 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.Travelers has over 30,000 employees operating in five different countries to assure customers that they will be taken care of. It has been a Fortune 500 company since 1995 and its goal is to provide insurance rates at competitive prices.
PricePolicy costs depend your personal situation. Visit Liberty Mutual for a quote based on your specific needs.Policy costs depend your personal situation. Visit Travelers for a quote based on your specific needs.
States servedAll 50 statesAll 50 states
User satisfaction*A+A
J.D. Power ratings**2/5 on overall claims satisfaction3/5 on overall claims satisfaction
Driver discountsView driver discounts
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 MutualLiberty MutualTravelersTravelers
Good studentVaries (under 25, B average or higher)8% (enrolled in school, maintaining a B average or better). Additional 7% if the student is 100+ miles away from home.
Defensive driverNoNo
Good driverNo10-23% (no accidents or violations for the past 3 or 5 years)
Pay in full discountYesUp to 7.5%
Multi carYesUp to 8%
MilitaryNoNo
HomeownerNoUp to 5%
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
  • Continuous insurance discount – Up to 15% (no gaps in coverage)
  • EFT discount – 2-3% (pay through EFT or payroll deduction)
  • Good payer discount – Up to 15% (consistent payment on time)
  • Early quote discount – 3-10% (quote before your policy expires)
  • Driver training discount – Up to 8%

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Vehicle discounts

Liberty MutualLiberty MutualTravelersTravelers
Anti-theft deviceYesNo
Anti-lock brakeYesNo
Passive restraintsNoNo
Air bagNoNo
Other discounts

  • Hybrid vehicle discount
  • Adaptive cruise control
  • Lane departure warning
  • Collision preparation systems
  • Hybrid/electric vehicle – Up to 10%
  • New car – Up to 10% (car less than 3 years old)

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Bottom line

Liberty Mutual offers more vehicle discounts, but Travelers keeps up with Liberty’s driver discounts. As always, keep your personal situation in mind to find the provider that offers he most discounts that apply to you.

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