Liberty Mutual vs. Travelers Auto Insurance (2024)
Comparing Liberty Mutual vs. Travelers car insurance rates shows Travelers is cheaper for teen drivers and high-risk drivers with a DUI. External ratings of Liberty Mutual vs. Travelers car insurance companies reveal both having an A+ from the Better Business Bureau but below-average customer satisfaction from J.D. Power. Liberty Mutual has a greater variety of discounts.
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Tracey L. Wells
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Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
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UPDATED: Nov 1, 2024
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- Travelers auto insurance rates are cheaper than Liberty Mutual rates
- Travelers has a higher A.M. Best rating than Liberty Mutual
- Liberty Mutual has a slightly higher customer satisfaction rating than Travelers
Both Liberty Mutual and Travelers are on the list of the top 10 best auto insurance companies, but which is the best option based on your personal characteristics?
We’ll compare Liberty Mutual vs. Travelers auto insurance rates based on age, driving record, and credit history to see which one can give you a better deal.
We’ll also compare available discounts and ratings from agencies with a credible and trustworthy view of Liberty Mutual vs. Travelers auto insurance companies.
Before jumping into this Liberty Mutual vs. Travelers auto insurance review, use our tool to enter your ZIP code to compare multiple companies in your area.
Is Liberty Mutual auto insurance or Travelers auto insurance cheaper?
Many different factors are used to determine your auto insurance rates, such as your age, gender, marital status, driving record, and credit history.
These factors, and more, will determine how affordable Liberty Mutual vs. Travelers auto insurance quotes can be for you. Every driver will have different rates based on their unique characteristics.
We’ll look at Liberty Mutual vs. Travelers auto insurance rates by age, gender, and marital status first. Age will have a large impact on your rates. Because younger drivers lack experience, they pay more for auto insurance.
Liberty Mutual vs. Travelers Average Annual Auto Insurance Rates 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 auto insurance is cheaper no matter your age, gender, or marital status.
One of the most important factors used to calculate your rates is your driving history. If you have accidents, tickets, or DUIs on your record, your auto insurance rates will be much higher than if you have a clean record.
Liberty Mutual vs. Travelers Average Annual Auto Insurance Rates by Driving Record
| Driving Record | Liberty Mutual Average Annual Rates | Travelers 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 |
Liberty Mutual auto 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 auto insurance rates. 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 Auto Insurance Rates by Credit History
| Credit History | Liberty Mutual Average Annual Rates | Travelers Average Annual Rates |
|---|---|---|
| Good | $4,388.18 | $4,058.97 |
| Fair | $5,604.24 | $4,344.10 |
| Poor | $8,802.22 | $5,160.22 |
Once again, Travelers is cheaper than Liberty Mutual no matter your credit score.
You may live in a state, such as California or Michigan, where basing auto insurance on credit score is illegal. Check your state’s laws before judging Liberty Mutual vs. Travelers auto insurance rates based on credit score alone.
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Does Liberty Mutual or Travelers have better auto insurance discounts?
Auto insurance discounts are a great way to lower your rates, especially considering many companies allow you to add multiple discounts to your policy. Common discounts offered by most auto 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 offer you the best deal.
Liberty Mutual vs. Travelers Auto Insurance Discounts
| Auto Insurance Discounts | Liberty Mutual (%) | Travelers (%) |
|---|---|---|
| Adaptive Cruise Control | 5 | N/A |
| Adaptive Headlights | 5 | N/A |
| Anti-lock Brakes | 5 | x |
| Anti-Theft | 20 | x |
| Claim Free | x | 23 |
| Continuous Coverage | N/A | 15 |
| Daytime Running Lights | 5 | x |
| Defensive Driver | 10 | 10 |
| Distant Student | N/A | 7 |
| Driver's Ed | 10 | 8 |
| Driving Device/App | 30 | 30 |
| Early Signing | N/A | 10 |
| Electronic Stability Control | 5 | N/A |
| Federal Employee | 10 | N/A |
| Forward Collision Warning | 5 | N/A |
| Full Payment | $5 | 7.5 |
| Further Education | 10 | x |
| Garaging/Storing | N/A | x |
| Good Student | 22.5 | 8 |
| Green Vehicle | 10 | 10 |
| Homeowner | x | 5 |
| Lane Departure Warning | x | N/A |
| Low Mileage | x | x |
| Married | x | N/A |
| Membership/Group | 10 | x |
| Military | 4 | N/A |
| Multiple Policies | 20 | 13 |
| Multiple Vehicles | 10 | 8 |
| New Address | 5 | N/A |
| New Customer/New Plan | x | N/A |
| New Graduate | 5 | N/A |
| Newer Vehicle | N/A | 10 |
| Newly Licensed | 5 | N/A |
| Newlyweds | 5 | N/A |
| Occupation | 10 | x |
| On-Time Payments | N/A | 15 |
| Paperless/Auto Billing | x | 3 |
| Passive Restraint | x | x |
| Recent Retirees | 4 | N/A |
| Safe Driver | N/A | 23 |
| Students & Alumni | 10 | N/A |
| Switching Provider | 10 | N/A |
| Vehicle Recovery | 35 | x |
| VIN Etching | 5 | x |
| Young Driver | x | N/A |
Although the two 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. If you are a food delivery driver, you will need more coverage, so consider going with Liberty Mutual or Travelers commercial auto 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. 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 number.
Each company also offers additional services and insurance products, like roadside assistance.
There are some differences between these two, however. One of the main differences is in the way the companies are set up. Is Travelers insurance a mutual company? No, but Liberty Mutual is, meaning policyholders are considered shareholders.
Before you buy Liberty Mutual vs. Travelers auto insurance, enter your ZIP code to compare multiple auto insurance companies in your area.
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Frequently Asked Questions
What factors should I consider when comparing Liberty Mutual and Travelers Auto Insurance?
When comparing Liberty Mutual and Travelers Auto Insurance, some factors to consider include coverage options, pricing, discounts available, customer service reputation, financial strength, and any specific needs or preferences you may have for your auto insurance policy.
What types of coverage do Liberty Mutual and Travelers Auto Insurance offer?
Both Liberty Mutual and Travelers Auto Insurance offer a range of coverage options, including liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and personal injury protection (PIP) coverage. They may also offer additional optional coverages, such as roadside assistance or rental car reimbursement.
How can I get a quote for auto insurance from Liberty Mutual or Travelers?
To obtain a quote from Liberty Mutual or Travelers, you can visit their respective websites and provide the necessary information, such as your personal details, vehicle information, and desired coverage options. Alternatively, you can reach out to a local agent for assistance with obtaining a quote.
Are there any discounts available with Liberty Mutual and Travelers Auto Insurance?
Both Liberty Mutual and Travelers Auto Insurance offer various discounts that can help reduce your premium. These discounts may include safe driver discounts, multi-policy discounts (if you have other insurance policies with the same company), multi-car discounts, good student discounts, and more. It’s recommended to inquire directly with the insurance companies or their agents to explore the available discounts.
How is the customer service of Liberty Mutual and Travelers Auto Insurance?
Liberty Mutual and Travelers are well-established insurance companies with generally positive customer service reputations. They both have dedicated customer service teams that can assist with policy inquiries, claims, and other customer-related needs. However, the quality of customer service may vary based on individual experiences and specific circumstances.
How financially stable are Liberty Mutual and Travelers Auto Insurance?
Both Liberty Mutual and Travelers are reputable insurance companies with solid financial strength. They have a strong track record in the industry and maintain high financial ratings from independent rating agencies. These ratings reflect their ability to meet financial obligations and pay out claims. It’s always a good idea to review the latest financial ratings and assessments to ensure the stability of an insurance company.
Can I customize my auto insurance policy with Liberty Mutual and Travelers?
Yes, both Liberty Mutual and Travelers Auto Insurance allow policyholders to customize their coverage to some extent. You can choose from various coverage options, select deductibles that suit your needs, and add optional coverages based on your preferences. It’s advisable to discuss your specific requirements with an agent to ensure you have the appropriate coverage for your situation.
Do Liberty Mutual and Travelers offer any additional benefits or features?
Liberty Mutual and Travelers may offer additional benefits or features with their auto insurance policies. These can include perks such as accident forgiveness, new car replacement coverage, disappearing deductibles, and more. It’s recommended to inquire about any available additional benefits or features when obtaining a quote or speaking with an agent.