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Liberty Mutual vs. Direct Auto: Compare rates and discounts

Liberty Mutual vs. Direct Auto

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Fact checked

Both Liberty Mutual and Direct Auto Insurance offer discounts to drivers in an effort to bring down the cost of auto insurance. But the similarities mostly end there.

Liberty has been providing insurance to drivers since 1912, while Direct Auto has been in business since only 1991. Another notable difference is the companies’ reputation for customer service. Direct Auto gets consistently poor reviews from consumers and receives an F from the Better Business Bureau. “Good student” Liberty Mutual gets an A+ from the BBB and is well-liked by its customers. Additionly, Direct Auto only services 13 states. However, Direct Auto does provide insurance to high-risk drivers. If you find yourself in this position, it could be an option.

Take a look at our detailed comparison to get the info you need to make your decision.

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
Promoted

Liberty Mutual

Direct

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. Qualify for car insurance stacked with multiple discounts, whether or not you have a spotty driving record.
States served
States served All 50 states AL, AR, FL, GA, LA, MS, MO, NC, SC, TN, TX, VA

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
monthly
custom

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes, up to 10%
Bundling discount
Bundling discount Yes Yes, up to 10%
Home owner discount
Home owner discount Yes Yes, up to 15%
Military discount
Military discount Yes Yes, up to 25%
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 Yes, up to 10%
Special employment discount
Special employment discount Yes No
Student discount
Student discount Yes Yes, up to 10%
Usage based discount
Usage based discount Yes No
Learn more
Learn more

Bottom line

Liberty Mutual’s superior reputation and diverse discounts make it the clear winner. But if you don’t qualify for insurance through Liberty, you might want to consider Direct Auto. Compare your car insurance options to find the best insurance company for you.

Compare alternatives to Liberty Mutual and Direct Auto

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
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