Liberty Mutual vs. Travelers Auto Insurance (2021)

Comparing Liberty Mutual vs. Travelers car insurance rates shows Travelers is cheaper for teen drivers and high-risk drivers with a DUI. External ratings of Liberty Mutual vs. Travelers car insurance companies reveal both having an A+ from the Better Business Bureau but below-average customer satisfaction from J.D. Power. Liberty Mutual has a greater variety of discounts.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 22, 2021

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Things to Remember

  • Travelers auto insurance rates are cheaper than Liberty Mutual rates
  • Travelers has a higher A.M. Best rating than Liberty Mutual
  • Liberty Mutual has a slightly higher customer satisfaction rating than Travelers

Both Liberty Mutual and Travelers are on the list of the top 10 best auto insurance companies, but which is the best option based on your personal characteristics?

We’ll compare Liberty Mutual vs. Travelers auto insurance rates based on age, driving record, and credit history to see which one can give you a better deal.

We’ll also compare available discounts and ratings from agencies with a credible and trustworthy view of Liberty Mutual vs. Travelers auto insurance companies.

Before jumping into this Liberty Mutual vs. Travelers auto insurance review, use our tool to enter your ZIP code to compare multiple companies in your area.

Is Liberty Mutual auto insurance or Travelers auto insurance cheaper?

Many different factors are used to determine your auto insurance rates, such as your age, gender, marital status, driving record, and credit history.

These factors, and more, will determine how affordable Liberty Mutual vs. Travelers auto insurance quotes can be for you. Every driver will have different rates based on their unique characteristics.

We’ll look at Liberty Mutual vs. Travelers auto insurance rates by age, gender, and marital status first. Age will have a large impact on your rates. Because younger drivers lack experience, they pay more for auto insurance.

Liberty Mutual vs. Travelers Average Annual Auto Insurance Rates by Age
Age, Gender, and Marital StatusLiberty Mutual Average Annual RatesTravelers Average Annual Rates
Single 17-year-old female$9,875.56$7,586.79
Single 17-year-old male$12,181.54$11,904.09
Single 25-year-old female$3,287.35$2,059.71
Single 25-year old male$3,502.13$2,165.03
Married 35-year-old female$3,085.88$1,899.93
Married 35-year-old male$3,179.88$1,914.91
Married 60-year-old female$2,706.04$1,806.15
Married 60-year-old male$3,088.10$1,882.23
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Travelers auto insurance is cheaper no matter your age, gender, or marital status.

One of the most important factors used to calculate your rates is your driving history. If you have accidents, tickets, or DUIs on your record, your auto insurance rates will be much higher than if you have a clean record.

Liberty Mutual vs. Travelers Average Annual Auto Insurance Rates by Driving Record
Driving RecordLiberty Mutual Average Annual RatesTravelers Average Annual Rates
Clean record$4,774.30$3,447.69
With 1 accident$6,204.78$4,289.74
With 1 DUI$7,613.48$5,741.40
With 1 speeding violation$5,701.26$4,260.80
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Liberty Mutual auto insurance rates are much more expensive regardless of your driving history,

It might surprise you to learn that your credit score is also used to determine your auto insurance rates. Insurance companies believe you are more likely to pay for damages yourself and avoid filing a claim if you have a higher credit score.

Liberty Mutual vs. Travelers Average Annual Auto Insurance Rates by Credit History
Credit HistoryLiberty Mutual Average Annual RatesTravelers Average Annual Rates
Good$4,388.18$4,058.97
Fair$5,604.24$4,344.10
Poor$8,802.22$5,160.22
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Once again, Travelers is cheaper than Liberty Mutual no matter your credit score.

You may live in a state, such as California or Michigan, where basing auto insurance on credit score is illegal. Check your state’s laws before judging Liberty Mutual vs. Travelers auto insurance rates based on credit score alone.

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Does Liberty Mutual or Travelers have better auto insurance discounts?

Auto insurance discounts are a great way to lower your rates, especially considering many companies allow you to add multiple discounts to your policy. Common discounts offered by most auto insurance companies include multi-vehicle, multi-policy, and good student discounts.

The table below shows you the discounts offered by Liberty Mutual and Travelers. The amount of the discount is listed if known. Compare the discounts offered by each company to see who can offer you the best deal.

Liberty Mutual vs. Travelers Auto Insurance Discounts
Auto Insurance DiscountsLiberty Mutual (%)Travelers (%)
Adaptive Cruise Control5N/A
Adaptive Headlights5N/A
Anti-lock Brakes5x
Anti-Theft20x
Claim Freex23
Continuous CoverageN/A15
Daytime Running Lights5x
Defensive Driver1010
Distant StudentN/A7
Driver's Ed108
Driving Device/App3030
Early SigningN/A10
Electronic Stability Control5N/A
Federal Employee10N/A
Forward Collision Warning5N/A
Full Payment$57.5
Further Education10x
Garaging/StoringN/Ax
Good Student22.58
Green Vehicle1010
Homeownerx5
Lane Departure WarningxN/A
Low Mileagexx
MarriedxN/A
Membership/Group10x
Military4N/A
Multiple Policies2013
Multiple Vehicles108
New Address5N/A
New Customer/New PlanxN/A
New Graduate5N/A
Newer VehicleN/A10
Newly Licensed5N/A
Newlyweds5N/A
Occupation10x
On-Time PaymentsN/A15
Paperless/Auto Billingx3
Passive Restraintxx
Recent Retirees4N/A
Safe DriverN/A23
Students & Alumni10N/A
Switching Provider10N/A
Vehicle Recovery35x
VIN Etching5x
Young DriverxN/A
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Although the two companies offer many of the same discounts, there are some differences. For example, Liberty Mutal offers a married discount, and Travelers doesn’t. However, Travelers offers a discount for on-time payments, and Liberty Mutual does not.

Be sure to inquire about other discounts by calling the Liberty Mutual insurance phone number or Travelers insurance phone number. If you are a food delivery driver, you will need more coverage, so consider going with Liberty Mutual or Travelers commercial auto insurance.

How do Liberty Mutual and Travelers compare in financial strength and customer satisfaction?

A.M. Best ranks the financial stability of insurance companies. Liberty Mutual received an A rating, showing it has an excellent ability to meet financial obligations. Travelers received an A+, meaning it has a superior ability to meet obligations.

Liberty Mutual and Travelers both received an A+ rating from the Better Business Bureau. However, Liberty Mutual is accredited and Travelers is not.

J.D. Power ranks companies on customer satisfaction using factors like price, billing, claims, and what products are offered. In most regions, Liberty Mutual insurance ranked at or below average and Travelers ranked below average.

Customers can view their insurance records, locate their ID cards, and pay bills using their Liberty Mutual login or Travelers login on the Liberty Mutual app or Travelers app. You can also get this information using the Liberty Mutual customer service number and Travelers 1-800 number.

Each company also offers additional services and insurance products, like roadside assistance.

There are some differences between these two, however. One of the main differences is in the way the companies are set up. Is Travelers insurance a mutual company? No, but Liberty Mutual is, meaning policyholders are considered shareholders.

Before you buy Liberty Mutual vs. Travelers auto insurance, enter your ZIP code to compare multiple auto insurance companies in your area.

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