Liberty Mutual vs. Nationwide Car Insurance (2021)

When you compare Liberty Mutual vs. Nationwide car insurance, you'll find that Nationwide insurance is less expensive on the whole. However, both companies offer various discounts that will help you lower your rates. In terms of financial ratings, Nationwide came out slightly ahead of Liberty Mutual. However, customer satisfaction scores for Liberty Mutual and Nationwide are both average or below average.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 27, 2021

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The Highlights

  • Liberty Mutual car insurance rates are much higher than Nationwide rates.
  • Liberty Mutual and Nationwide have similar Better Business Bureau (BBB) and customer satisfaction ratings.
  • Both companies have great financial ratings.

You have a lot of options when you’re looking for the best insurance companies, and comparing them side by side will help narrow down your choices. In this article, we’ll look at Liberty Mutual vs. Nationwide car insurance companies to see which one might best meet your needs.

When choosing between insurance companies, you’ll want to compare rates, discounts, and ratings to see how each measures up.

You don’t have to confine your search to just Liberty Mutual vs. Nationwide. Enter your ZIP code to see free quotes from multiple car insurance companies near you.

Is Liberty Mutual or Nationwide car insurance cheaper?

It may surprise you to learn exactly what goes into determining your car insurance rates. Companies look at everything from your age, gender, and driving record to your credit history to calculate your rates.

Even though both companies offer similar coverages, these factors can make the difference in determining how affordable Liberty Mutual vs. Nationwide car insurance is for you.

Compare Liberty Mutual vs. Nationwide car insurance rates using some of these factors to see which can offer you the best deal.

This table shows you the average annual car insurance rates for each company based on age, gender, and marital status.

Liberty Mutual vs. Nationwide Average Annual Rates Based on 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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Liberty Mutual is much more expensive than Nationwide regardless of age, gender, or marital status.

Your driving record is one of the most important factors used to determine your car insurance rates. Drivers with accidents, speeding tickets, or DUIs will pay significantly more for auto insurance.

Liberty Mutual vs. Nationwide Average Annual Rates Based on 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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Nationwide insurance is cheaper, no matter your driving record. You’ll pay more for car insurance from either company if you have a DUI, but Liberty Mutual charges about $255 more per month than Nationwide in this scenario.

One of the surprising factors used to determine your car insurance rates is your credit score. Car insurance companies believe you’re more likely to pay for damages out of pocket and avoid filing a claim if you have a higher credit score.

Liberty Mutual vs. Nationwide Average Annual Rates Based on 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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Yet again, Nationwide is cheaper. Liberty Mutual will cost you hundreds of dollars more per month than Nationwide if you have poor credit.

Some states, like California, no longer allow car insurance companies to use your credit score to calculate your rates.

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Does Liberty Mutual or Nationwide have better car insurance discounts?

Car insurance discounts are a great way to lower your rates. Most companies offer you discounts based on a variety of things, including how many cars you have, your occupation, and even your car’s safety features.

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
Car 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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They offer most of the same discounts, but there are some differences. For example, Liberty Mutual offers a driver’s education discount and Nationwide doesn’t. On the other hand, Nationwide offers an early signing discount and Liberty Mutual doesn’t.

Be sure to ask about any discounts you’re eligible for as you compare Liberty Mutual vs. Nationwide car insurance quotes.

How do Liberty Mutual and Nationwide compare in 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.

J.D. Power ranked both companies for customer satisfaction on factors like what is offered, billing, price, and claims. Both Liberty Mutual and Nationwide ranked at or below average.

Each company offers websites and mobile apps that can be accessed with your Liberty Mutual or Nationwide insurance login. You can pay your bill, access your insurance information, and get your proof of insurance through the websites and apps.

It’s worth pointing out that Liberty Mutual insurance customer service is available 24/7 and Nationwide insurance has set hours when you can reach someone. The Liberty Mutual phone number is 800-290-7933, and you can reach Nationwide at 877-699-6877.

These companies also offer coverages beyond the normal car, homeowners, or renters insurance. You can purchase Liberty Mutual or Nationwide roadside assistance, for example. You can access your roadside assistance by phone or by using your Nationwide or Liberty Mutual login.

Learn more about each company by reading our Liberty Mutual insurance review and our Nationwide review.

Deciding to buy Liberty Mutual vs. Nationwide car insurance can be difficult. Weigh the advantages and disadvantages of each company to determine if either is right for you.

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

Are you looking for free insurance quotes?

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