Navy Federal Auto Insurance Review [2022]

Navy Federal auto insurance is available through Liberty Mutual. Members can receive affordable Navy Federal auto insurance for the seven main types of coverage, plus additional options. Additionally, members can receive exclusive discounts. Learning more about Navy Federal auto insurance will help you decide if the choice is right for you.

UPDATED: Sep 25, 2022Fact Checked

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

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 Daniel Walker

UPDATED: Sep 25, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Sep 25, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Sep 25, 2022Fact Checked
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Navy Federal

Average annual rate for good drivers:

$879

A.M. Best rating:

A

Complaint level:

Low

Pros

  • Navy Federal members can file claims by phone, online, or via the Liberty Mutual mobile app
  • Navy Federal members can receive exclusive discounts on coverage

Cons

  • Membership in Navy Federal is limited to Active, retired, or veteran members

The Bottom Line

Navy Federal provides affordable auto insurance for members through its partnership with Liberty Mutual. Members can receive the standard coverages and take advantage of discounts. The association also ensures that members will be using one of the industry’s top insurers.

Navy Federal Credit Union was founded in 1933 to help military members reach their financial goals. As a credit union, the organization remains member-owned by its more than 10 million members.

In 2016, Navy Federal partnered with GEICO to provide discounted car insurance specifically for military members. In December 2021, Navy Federal came to an agreement with Liberty Mutual, allowing the company to provide auto and home insurance to Navy Federal members.

Navy Federal Rates

Navy Federal members can purchase coverage through the credit union’s partnership with Liberty Mutual, so reviewing their rates will help you determine if the option is cost-effective. The following chart reveals Liberty Mutual’s average annual auto insurance rates compared with those of other companies.

Navy Federal Auto Insurance Annual Rates vs. Other Companies
CompanyAverage Annual Auto Insurance Rates
Allstate$1,788
American Family$1,451
Farmers$1,635
Liberty Mutual (Navy Federal)$879
Nationwide$1,284
Progressive$1,334
State Farm$1,169
Travelers$1,251
USAA$875
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As you can see, you can find affordable Navy Federal auto insurance rates compared with those of the most popular insurance companies. The partnership with Liberty Mutual makes the average Navy Federal car insurance quote more affordable than everyone except USAA.

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Navy Federal Discounts Available

Navy Federal members who select this option can experience the same saving opportunities as regular Liberty Mutual customers. The following discounts are available for members who choose coverage from the Navy Federal auto insurance company.

Navy Federal Auto Insurance Discounts
Auto DiscountDiscount Eligibility
AffiliationMember of an affiliated group.
Driver’s educationTake an approved driver’s training course.
Good driverDriver maintains a clean driving record for three years.
Low mileageDrive fewer than a specified number of miles, usually 6,000.
Multi-vehicleInsure multiple vehicles with Navy Federal and GEICO.
Vehicle equipmentVehicle has safety features like airbags, anti-lock brakes, and an anti-theft system.
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In addition to these discounts, most Navy Federal members have access to Liberty Mutual’s military reduction. As a result, since members are usually current or former military members, the company will automatically include savings for your service.

Navy Federal Coverage Options

Liberty Mutual provides Navy Federal members with the seven main types of coverage that you’ll find with most companies. The following table discloses each of these coverages and their methods of protection if you become involved in an accident.

Navy Federal Auto Insurance Coverages
Auto Insurance TypesPurpose of Coverage
Bodily injury liabilityPays for medical bills if someone else suffers an injury in an accident caused by you.
CollisionCovers damage to your car after an accident.
ComprehensiveCovers damage to your car when you’re not driving.
Medical expensesCovers medical costs caused by an accident regardless of who is at fault.
Personal injury protectionCovers medical expenses for you and your passengers after an accident.
Property damage liabilityLiability coverage that covers the cost of any property damage you’ve caused in an accident.
Uninsured/underinsured motoristCovers the costs if you’re in an accident caused by a driver with little or no car insurance.
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In addition to these standard coverages, Navy Federal and Liberty Mutual provide members with some additional choices. These are the options that members can add to a policy:

  • Emergency road service – This covers towing, jump starts, fuel delivery, flat tires, locked doors, and 24-hour assistance.
  • Rental reimbursement – This helps to pay for a Navy Federal car rental when your primary vehicle is unavailable.
  • Mechanical breakdown insurance – This covers mechanical issues that are not a result of maintenance or standard wear and tear.

Navy Federal vs. Competitors

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) let insurance customers list complaints online. Both organizations have reviewed Liberty Mutual’s complaints to determine the company’s quality of service.

At the time of this review, the Better Business Bureau has received 1,247 complaints about Liberty Mutual during the past three years. The majority of these complaints are regarding the company’s services and billing practices.

The NAIC has received 70 complaints about Liberty Mutual. The organization lists the company’s complaint index ratio at 2.20, indicating more than double the complaints about a company of a similar size.

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by Rachel Bodine
Feature Writer Rachel Bodine

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

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