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.

  • 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
Promoted
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.

Compare alternatives to Liberty Mutual and Direct Auto

Name Product Roadside assistance New car protection Available states
Optional
Yes, cars under 3 years old & 15,000 miles
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
Yes, cars under 1 year old & 15,000 miles
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.
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, 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 20 states.
Included free
Yes, cars under 1 year old & 15,000 miles
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.
Included free
Yes, cars under 2 years old
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.
Optional
No
All states except Hawaii, Massachusetts, Michigan and New Jersey
The General offers affordable coverage for nearly any driver who needs car insurance.
Optional
Not specified
IL, IN, MD, TN, TX, VA
Elephant Insurance offers low-cost auto insurance with big discounts. Breaking from the national herd could save up to 40% off your current car insurance.
Included free
No
AZ, GA, IL, IN, KS, KY, LA, MS, MO, OH, OK, PA, SC, TN, TX, VA
Known for providing insurance to high-risk customers who may have trouble finding coverage elsewhere, SafeAuto offers a lot of different discounts, from those for homeowners to good drivers.
Optional
No
AL, AR, FL, GA, LA, MS, MO, NC, SC, TN, TX, VA
Discounts, flexible payments and a life coach that guides you to your best rates and coverage with Direct car insurance.
Optional
No
CO, DE, ID, IA, MD, MS, NE, NV, OH, TN, WA
Connects high-risk drivers to providers in its network offering affordable policies
Optional
No
All states except AK, LA, GA, HI, MA, MI, MT, NH, NJ, NY, ND, OK, RI
Dairyland offers auto insurance with flexible payment and coverage options for high-risk drivers in 37 states.

Compare up to 4 providers

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