Liberty Mutual vs. Nationwide Auto Insurance (2023)
Choosing between Liberty Mutual vs. Nationwide car insurance is difficult, so we examine Liberty Mutual vs. Nationwide auto insurance rates by age, driving record, and credit score for you. Nationwide insurance rates are cheaper than Liberty Mutual on all of our comparison points, but Liberty Mutual has a greater variety of discounts.
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UPDATED: Jun 29, 2022
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- Nationwide insurance rates are cheaper than Liberty Mutual insurance rates
- The two companies have similar Better Business Bureau ratings
- Although Liberty Mutual and Nationwide have great financial ratings, Nationwide scores slightly higher
Both Liberty Mutual and Nationwide are on the list of the top 10 best auto insurance companies, but which company is the best option based on your personal characteristics?
We’ll compare Liberty Mutual vs. Nationwide auto insurance rates based on age, driving record, and credit history to see which one can give you the best deal.
We’ll also compare available discounts and ratings from agencies with a credible and trustworthy view of Liberty Mutual vs. Nationwide auto insurance companies.
Keep reading to compare Liberty Mutual vs. Nationwide auto insurance coverages, or enter your ZIP code to compare car insurance quotes from multiple companies in your area.
Is Liberty Mutual auto insurance or Nationwide auto insurance cheaper?
Many different factors go into determining your auto insurance rates, including your age, gender, marital status, driving record, and credit history.
These factors will help determine how affordable Liberty Mutual vs. Nationwide car insurance is for you.
First, we’ll compare Liberty Mutual vs. Nationwide auto insurance rates based on demographics.
|Age, Gender, and Marital Status||Liberty Mutual Average Annual Rates||Nationwide Average Annual Rates|
|Single 17-year-old female||$9,875.56||$5,431.46|
|Single 17-year-old male||$12,181.54||$6,815.00|
|Single 25-year-old female||$3,287.35||$2,431.91|
|Single 25-year old male||$3,502.13||$2,739.66|
|Married 35-year-old female||$3,085.88||$2,202.69|
|Married 35-year-old male||$3,179.88||$2,214.18|
|Married 60-year-old female||$2,706.04||$1,987.35|
|Married 60-year-old male||$3,088.10||$2,005.06|
Nationwide is cheaper than Liberty Mutual no matter the age, gender, or marital status of the driver.
One of the most significant factors used to determine your auto insurance rates is your driving record. Accidents, tickets, and DUIs can cause your rates to skyrocket.
|Driving Record||Liberty Mutual Average Annual Rates||Nationwide Average Annual Rates|
|With 1 accident||$6,204.78||$3,396.95|
|With 1 DUI||$7,613.48||$4,543.20|
|With 1 speeding violation||$5,701.26||$3,113.68|
Liberty Mutual is thousands of dollars more expensive than Nationwide regardless of your driving record.
It might surprise you that your credit history is factored into your auto insurance rates. Insurance companies believe you’re more likely to pay for damages out of pocket rather than filing a claim if you have a higher credit score.
|Credit History||Liberty Mutual Average Annual Rates||Nationwide Average Annual Rates|
Once again, Nationwide is the cheaper option for all credit scores. Drivers with bad credit will pay the most with either company.
You may live in a state, such as California, where basing auto insurance rates on credit scores is illegal. Check your state’s laws before judging Liberty Mutual vs. Nationwide auto insurance rates based on credit score alone.
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Does Liberty Mutual or Nationwide have better auto insurance discounts?
Auto insurance discounts can save you money. Most auto insurance companies offer discounts such as multi-vehicle and good student discounts and even allow you to combine multiple discounts for more savings.
The table below compares Liberty Mutual vs. Nationwide auto insurance discounts. If the amount of the discount is known, that’s included as well. You can use this information to determine which company might give you the best deal.
|Auto Insurance Discounts||Liberty Mutual (%)||Nationwide (%)|
|Adaptive Cruise Control||5||x|
|Daytime Running Lights||5||5|
|Electronic Stability Control||5||x|
|Forward Collision Warning||5||x|
|Lane Departure Warning||x||x|
|New Customer/New Plan||x||N/A|
|Students & Alumni||10||7|
Although the two companies offer many of the same discounts, there are some differences.
For example, Liberty Mutual offers a military discount and Nationwide doesn’t. However, Nationwide offers a loyalty discount and Liberty Mutual does not.
You can also call the Liberty Mutual customer service number or Nationwide customer service number to ask about additional discounts.
How do Liberty Mutual and Nationwide compare on financial strength and customer satisfaction?
A.M. Best ranks companies based on how financially stable they are. Liberty Mutual received an A rating, meaning it has an excellent ability to meet its obligations.
Nationwide received an A+ rating, showing it has a superior ability to meet its obligations.
Both Liberty Mutual and Nationwide are accredited with the Better Business Bureau and received A+ ratings, which should make you feel safer when choosing between Liberty Mutual vs. Nationwide auto insurance.
J.D. Power ranked both companies for customer satisfaction based on factors like what is offered, billing, price, and the claims process. Both Nationwide and Liberty Mutual customer service ranked at or below average.
Does Liberty Mutual or Nationwide have the better mobile app?
Most of the large auto insurance companies offer an app that enables customers to view their policy, make changes, and pay their bills.
There are also telematics apps and devices that evaluate your driving for a discount. Liberty Mutual’s telematics program is called RightTrack and Nationwide’s is SmartRide.
Usually, your Liberty Mutual login or Nationwide login will work with both the general app and telematics app.
You can even file Liberty Mutual insurance claims or request Nationwide roadside assistance using the apps. You can also call the main Nationwide or Liberty Mutual insurance phone numbers when you need roadside assistance or help filing a claim.
Before you choose between Liberty Mutual vs. Nationwide auto insurance, enter your ZIP code to compare quotes from multiple car insurance companies in your area.