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Liberty Mutual vs. Travelers: 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: Jul 1, 2021

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Key Takeaways

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

You have many choices when it comes to automobile insurance companies, and comparing them side by side will help you narrow down your options. To see which one suits your needs best, we will look at the pros and cons of Liberty Mutual vs. Travelers car insurance companies.

Which company will provide the best and cheapest car insurance for you? To see if either is right for you, compare rates, discounts, financial ratings, and customer satisfaction ratings.

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

Is Liberty Mutual car insurance or Travelers car insurance cheaper?

Many different factors are used to determine your car insurance rates. For example, insurance companies use your age, gender, marital status, driving record, and credit history to calculate your rates.

The factors, and more, will determine how affordable Liberty Mutual vs. Travelers car insurance is for you. Every driver will have different rates since factors will be different for each.

We will first look at affordable Liberty Mutual vs. Travelers car insurance quotes by age, gender, and marital status. Age will have a significant impact on your rates since younger drivers lack experience and are charged more.

Liberty Mutual vs. Travelers Average Annual Car Insurance Rates Based on Age, Gender, and Marital Status
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 critical factors used to calculate your rates is your driving history. If you have accidents, tickets, or DUIs on your record, your car insurance rates will be much higher than if you have a clean record.

Liberty Mutual vs. Travelers Average Annual Car Insurance Rates Based on 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 car 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 car insurance rates. This is because 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 Car Insurance Rates Based on 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 like California or Michigan, 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. Travelers car insurance rates based on credit score alone.

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Does Liberty Mutual or Travelers have better car insurance discounts?

Car insurance discounts are a great way to lower your rates, especially considering many companies allow you to add multiple discounts to your policy. Standard discounts offered by most car 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 provide you with the best deal.

Liberty Mutual vs. Travelers Car 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 both 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. For example, if you are a food delivery driver, you will need more coverage, so consider going with Liberty Mutual or Travelers commercial car 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. For example, 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 numbers.

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

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

Before you buy Liberty Mutual vs. Travelers car insurance, enter your ZIP code to start comparing multiple car insurance companies in your local area.

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