Liberty Mutual vs. Direct Auto: Compare rates and discounts

Liberty Mutual vs. Direct Auto: Compare rates and discounts

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Liberty Mutual vs. Direct Auto

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.

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Compare the best car insurance companies near you.

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Liberty Mutual

Liberty Mutual

Direct Auto

Direct Auto

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. Founded in 1991, Direct Auto Insurance offers low-cost insurance policies to “nonstandard” drivers — also known as high-risk drivers — who might have a hard time finding coverage elsewhere. But beware, the company gets very poor reviews and only services 13 states.
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 Direct Auto for a quote based on your specific needs.
States served All 50 states 13
User satisfaction* A+ F
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


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


Driver discounts

Liberty Mutual

Liberty Mutual

Direct Auto

Direct Auto

Good student Varies (under 25, B average or higher) Up to 10% (unmarried, full-time student, B average or better)
Defensive driver
Good driver Up to 10% (violation and accident-free for 36 months)
Pay in full discount
Multicar Up to 25%
Military Up to 25% (active service member)
Homeowner Up to 15%
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

Senior citizen – Up to 5% (55+, completed a motor vehicle prevention course)

Prior coverage discount – Up to 25% (at another insurance company for 6 months, no more than 90 day lapse between coverage)

Renewal discount – Up to 20% (no policy lapse in prior 12 months, renew 7-10 days prior to expiration)

Welcome back discount – Up to 6%


Vehicle discounts

Liberty Mutual

Liberty Mutual

Direct Auto

Direct Auto

Anti-theft device N/A
Anti-lock brake N/A
Passive restraints N/A
Air bag N/A
Other discounts Hybrid vehicle

Adaptive cruise control

Lane departure warning

Collision preparation systems

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.

Find the cheapest rates

Compare the best car insurance companies near you.

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