Liberty Mutual vs. Travelers Car Insurance (2021)
When it comes to Liberty Mutual vs. Travelers car insurance, Travelers insurance is cheaper across the board. Both companies have great financial ratings; however, they both have average or below average customer satisfaction ratings. Use the many discounts available to see if Liberty Mutual vs. Travelers auto insurance is cheaper for you.
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UPDATED: Apr 27, 2021
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- When comparing Liberty Mutual vs. Travelers, Travelers is cheaper in every category.
- Travelers has slightly better financial ratings than Liberty Mutual.
- Liberty Mutual’s customer satisfaction ratings are a little higher than Travelers’.
There are a lot of choices out there when it comes to car insurance companies. When you compare the best insurance companies side by side, you’ll be able to choose the right one for you. In this article, we’ll look at Liberty Mutual vs. Travelers car insurance companies to see what each has to offer.
Compare the advantages and disadvantages of each company based on pricing, discounts, and ratings to see who can provide you with the best rates.
Fortunately, you don’t have to compare just Liberty Mutual vs. Travelers to find the best company. You can view free quotes from multiple car insurance companies in your area by entering your ZIP code above.
Is Liberty Mutual car insurance or Travelers car insurance cheaper?
The factors used to calculate your auto insurance rates might surprise you. Companies determine your rates based on your age, gender, marital status, driving record, and credit history.
Thinking about these factors will help you see how affordable Liberty Mutual vs. Travelers car insurance would be for you. Keep in mind that each driver’s rates will be different.
First, let’s look at Liberty Mutual vs. Travelers car insurance rates by age, gender, and marital status. You might already know that car insurance for younger drivers is very expensive, but it might surprise you to learn just how much rates vary by age.
|Age, Gender, and Marital Status||Liberty Mutual Average Annual Rates||Travelers 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|
Travelers car insurance is cheaper no matter your age, gender, or marital status.
Your driving record is one of the most important factors that car insurance companies look at. Accidents, speeding tickets, and DUIs will cause your rates to skyrocket.
|Driving Record||Liberty Mutual Average Annual Rates||Travelers Average Annual Rates|
|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|
Travelers is less expensive regardless of your driving record.
When determining your auto insurance rates, your credit score is also considered. Insurance companies believe that if you have a better credit score, you are more likely to pay for your own losses rather than filing a claim.
|Credit History||Liberty Mutual Average Annual Rates||Travelers Average Annual Rates|
Yet again, Travelers is the cheaper option whether you have good, fair, or poor credit.
Some states, like California, no longer allow car insurance companies to use your credit score to determine your rates.
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Does Liberty Mutual or Travelers have better car insurance discounts?
Discounts on auto insurance are one of the best ways to substantially reduce your rates. Many of the same discounts, such as good student and multi-car discounts, are available from most auto insurance companies.
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.
|Car Insurance Discounts||Liberty Mutual (%)||Travelers (%)|
|Adaptive Cruise Control||5||N/A|
|Daytime Running Lights||5||x|
|Electronic Stability Control||5||N/A|
|Forward Collision Warning||5||N/A|
|Lane Departure Warning||x||N/A|
|New Customer/New Plan||x||N/A|
|Students & Alumni||10||N/A|
Both companies offer many of the same discounts, but there are some differences. For example, Liberty Mutual offers a military discount and Travelers doesn’t. On the other hand, Travelers offers a continuous coverage discount that Liberty Mutual doesn’t.
Make sure you ask for any available discounts when you compare Liberty Mutual vs. Travelers car insurance quotes.
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.
Both companies offer websites and mobile apps that allow you to access your account, pay bills, and get your proof of insurance with your Travelers or Liberty Mutual login. You can also get a Liberty Mutual or Travelers car insurance quote online.
Liberty Mutual and Travelers insurance companies also offer additional coverages, such as roadside assistance. You can call or use your Liberty Mutual or Travelers Insurance login to access this service as well.
You can also call Travelers or Liberty Mutual customer service 24 hours a day if you need assistance or have questions. The Travelers Insurance customer service number is 1-800-842-5075, and the Liberty Mutual phone number is 1-800-290-7933.
Deciding whether to buy Liberty Mutual vs. Travelers car insurance can be difficult. Compare rates, discounts, and ratings to see if either is best for you.
Now that you’ve compared Liberty Mutual vs. Travelers car insurance, enter your ZIP code to see quotes from multiple car insurance companies near you for free.