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Liberty Mutual vs. Nationwide: Which Car Insurance Is Cheaper?

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jun 23, 2021

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Key Takeaways

  • 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

You have so many options when it comes to auto insurance. Comparing one provider to another can help you narrow down your choices.

Which company will provide the best and cheapest car insurance for you? We’ll look at Liberty Mutual vs. Nationwide car insurance companies to see if either meets your needs.

We’ll go over the pros and cons of each company by looking at rates, discounts, and ratings so you can make an informed choice.

Keep reading to compare affordable Liberty Mutual vs. Nationwide car insurance quotes, or enter your ZIP code to see quotes from multiple companies in your area.

Is Liberty Mutual car insurance or Nationwide car insurance cheaper?

Many different factors go into determining your car insurance rates. Companies commonly look at your age, gender, marital status, driving record, and credit history to calculate your rates.

These factors will help determine how affordable Liberty Mutual vs. Nationwide car insurance is for you.

First, we’ll compare Liberty Mutual vs. Nationwide car insurance rates based on age, gender, and marital status.

Liberty Mutual vs. Nationwide Average Annual Car Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusLiberty Mutual Average Annual RatesNationwide 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
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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 car insurance rates is your driving record. Accidents, tickets, and DUIs can cause your rates to skyrocket.

Liberty Mutual vs. Nationwide Average Annual Car Insurance Rates by Driving Record
Driving RecordLiberty Mutual Average Annual RatesNationwide Average Annual Rates
Clean record$4,774.30$2,746.18
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
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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 car 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.

Liberty Mutual vs. Nationwide Average Annual Car Insurance Rates by Credit History
Credit HistoryLiberty Mutual Average Annual RatesNationwide Average Annual Rates
Good$4,388.18$2,925.94
Fair$5,604.24$3,254.83
Poor$8,802.22$4,083.29
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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 car insurance on credit scores is illegal. Be sure to check out our car insurance by state page before judging Liberty Mutual vs. Nationwide car insurance rates based on credit score alone.

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Does Liberty Mutual or Nationwide have better car insurance discounts?

Car insurance discounts can save you money. Most car insurance companies offer discounts, like multi-vehicle and good student discounts, and even allow you to combine multiple discounts for more savings.

This table shows you the discounts that are offered by Liberty Mutual and Nationwide. 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 discounts.

Liberty Mutual vs. Nationwide Car Insurance Discounts
Auto Insurance DiscountsLiberty Mutual (%)Nationwide (%)
Adaptive Cruise Control5x
Adaptive Headlights5x
Anti-lock Brakes55
Anti-Theft2025
Claim Freex10
Daytime Running Lights55
Defensive Driver105
Distant StudentN/A10
Driver's Ed10N/A
Driving Device/App3040
Early SigningN/A8
Electronic Stability Control5x
Family PlanN/A25
Federal Employee10N/A
Forward Collision Warning5x
Full Payment$5N/A
Further Education1015
Good CreditN/Ax
Good Student22.510
Green Vehicle10N/A
Homeownerx5
Lane Departure Warningxx
Life InsuranceN/Ax
Low Mileagexx
LoyaltyN/A5
Marriedxx
Membership/Group107
Military4N/A
Multiple Policies2010
Multiple Vehicles1020
New Address5N/A
New Customer/New PlanxN/A
New Graduate5N/A
Newer VehicleN/Ax
Newly Licensed5N/A
Newlyweds5N/A
Occupation1015
Paperless DocumentsN/A5
Paperless/Auto Billingx$30
Passive Restraintx20
Recent Retirees4N/A
Safe DriverN/A35
Stable ResidenceN/Ax
Students & Alumni107
Switching Provider10N/A
Vehicle Recovery3525
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 Mutual offers a military discount and Nationwide doesn’t. However, Nationwide offers a loyalty discount and Liberty Mutual does not.

As you compare Liberty Mutual vs. Nationwide car insurance quotes, don’t forget to add the discounts you are eligible for.

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 for 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 to buy Liberty Mutual vs. Nationwide car 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.

Most of the large car 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 access Liberty Mutual insurance or Nationwide roadside assistance using the apps. You can also call the main Nationwide or Liberty Mutual insurance phone numbers when you need roadside assistance.

Now that you’ve compared Liberty Mutual vs. Nationwide car insurance, enter your ZIP code to see quotes from multiple car insurance companies near you.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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