Liberty Mutual vs. Travelers Auto Insurance Review 2024n (Side-by-Side Comparison)
Liberty Mutual vs. Travelers auto insurance review reveals that Travelers offers more affordable coverage, with rates starting at $151 per month compared to Liberty Mutual's $226 per month. Travelers stands out for its cost-effectiveness, extensive discounts, and overall value for budget-conscious drivers.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
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UPDATED: Nov 4, 2024
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When comparing Liberty Mutual vs. Travelers, Travelers consistently emerges as the more affordable option across various factors, including age, gender, marital status, driving history, and credit score. Both companies are financially robust, with strong A.M. Best ratings, ensuring they can meet their obligations.
Travelers not only offers lower rates but also provides a variety of discounts, making it a top choice for budget-conscious drivers looking to maximize their savings. Liberty Mutual offers comprehensive and collision coverage and additional services, but its higher premiums might not fit everyone’s budget.
For those prioritizing value, Travelers delivers quality coverage, competitive pricing, and valuable discounts, making it the better choice for most drivers.
However, you don’t have to limit your choices to just Liberty Mutual vs. Travelers. Enter your ZIP code now to compare auto insurance quotes from multiple companies near you for free.
- Travelers offers lower rates than Liberty Mutual across all categories
- Both have strong financial ratings but average customer satisfaction
- Travelers generally provides better discount options than Liberty Mutual
Liberty Mutual vs. Travelers Auto Insurance Rates
Many different factors determine your auto insurance rates, including your age, gender, marital status, driving record, and credit history. When you get a Liberty Mutual insurance estimate, these factors are used to calculate your personalized quote.
The factors, and more, will determine how affordable Liberty Mutual vs. Travelers auto insurance is for you. Every driver will have different rates since factors will be different for each.
We will 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 since younger drivers lack experience and are charged more.
Liberty Mutual vs. Travelers Average Monthly Rates Based on Age, Gender, and Marital Status
| Age & Gender | Liberty Mutual | Travelers |
|---|---|---|
| Age: 17 Female | $823 | $632 |
| Age: 17 Male | $1,015 | $992 |
| Age: 25 Female | $274 | $172 |
| Age: 25 Male | $292 | $180 |
| Age: 35 Female | $257 | $158 |
| Age: 35 Male | $265 | $160 |
| Age: 60 Female | $226 | $151 |
| Age: 60 Male | $257 | $157 |
Travelers 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 car insurance rates will be much higher than if you have a clean record.
Liberty Mutual vs. Travelers: Full Coverage Auto Insurance Monthly Rates by Driving Record
| Record | Liberty Mutual | Travelers |
|---|---|---|
| Clean Record | $398 | $287 |
| One Accident | $517 | $357 |
| One DUI | $634 | $478 |
| One Ticket | $475 | $355 |
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 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: Full Coverage Auto Insurance Monthly Rates by Credit History
| History | Liberty Mutual | Travelers |
|---|---|---|
| Good | $366 | $338 |
| Fair | $467 | $362 |
| Poor | $734 | $430 |
Once again, Travelers is cheaper than Liberty Mutual no matter your credit score.
It’s important to note that states, such as California and Michigan, don’t allow insurance companies to factor in your credit score when calculating your rates.
Additionally, when choosing between Liberty Mutual auto insurance and Travelers auto insurance, cost is an important factor. Liberty Mutual auto insurance tends to be more expensive, which may not be suitable for everyone. On the other hand, Travelers auto insurance offers several ways to save money.
For example, they have Travelers insurance discounts available in California that can lower your premiums, and their Travelers roadside assistance provides extra support when you need it. Reviews from Consumer Reports show that Travelers auto insurance is often praised for its value and customer service.
In California, getting Liberty Mutual auto insurance quotes might show higher rates compared to Travelers auto insurance. While Liberty Mutual auto insurance provides good coverage, its higher costs could be a concern. Travelers auto insurance might be a better choice because of its lower prices and discounts.
To make the best decision, consider the benefits like Travelers roadside assistance and the discounts available to see which insurance offers the most value for your money.
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Liberty Mutual vs. Travelers Auto 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. 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 both companies offer many of the same discounts, there are some differences. For example, Liberty Mutual offers a married discount, and Travelers doesn’t. However, Travelers offers a discount for on-time payments, and Liberty Mutual does not.
Add in any discounts you are eligible for when you compare Liberty Mutual vs. Travelers auto insurance quotes.
Furthermore, when looking at discounts for auto insurance from Liberty Mutual and Travelers, both offer useful options, but they have some differences.
Liberty Mutual auto insurance reviews often highlight the Liberty Mutual defensive driving discount, which you can get by taking a defensive driving course. This discount can help lower your insurance rate. You might also see this reflected in Liberty Mutual auto insurance quotes if you qualify.
Liberty Mutual and Travelers 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.
Travelers is the best option for those looking to save on auto insurance, as it provides the lowest rates and a variety of discounts.
Eric Stauffer Licensed Insurance Agent
Both Liberty Mutual and Travelers offer websites and mobile apps that allow you to access your account at any time. You can even compare Liberty Mutual vs. Travelers homeowners insurance or renters insurance online.
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. Is Travelers insurance a mutual company? No, but Liberty Mutual is, meaning policyholders are considered shareholders.
Moreover, when evaluating Liberty Mutual and Travelers for both financial strength and customer satisfaction, AM Best ratings are a crucial factor. The A.M. Best rating for Liberty Mutual and the A.M. Best rating for Travelers insurance provide insights into each company’s financial health and ability to pay out claims.
The ratings specific to states, such as the A.M. Best rating for Liberty Mutual in Texas and the A.M. Best rating for Travelers insurance in Texas, indicate how well each insurer performs in those regions, reflecting their financial stability and reliability.
For customer satisfaction, comparing Travelers vs. Liberty Mutual in California offers a look into how each company fares in a major market, including their service quality and overall customer experience.
Reviewing Liberty Mutual homeowners insurance can give additional context about the company’s performance in different insurance areas.
Both Liberty Mutual and Travelers provide valuable discounts, such as the good student discount, which rewards students for their academic achievements.
To determine which insurance provider is better for you, consider their financial ratings, customer reviews, and the types of discounts they offer. This comprehensive approach will help you choose the company that offers both strong financial security and high customer satisfaction.
Liberty Mutual vs. Travelers: A Clear Comparison of Rates, Discounts, and Value
When comparing Liberty Mutual vs. Travelers, Travelers generally provides cheaper auto insurance. Liberty Mutual auto insurance for drivers tends to be more expensive. For example, Liberty Mutual’s high costs are evident in states like California, where Liberty Mutual auto insurance in California often comes with higher premiums.
This is a significant factor if you’re looking for budget-friendly options, as Liberty Mutual insurance rates might be higher than those from Travelers.
A generous New Car Replacement option: Another reason why Travelers auto insurance can mean a smoother ride. https://t.co/6vZJCdf1n6 pic.twitter.com/Rs4sr4uSG5
— KKWIns (@KKWinssvcs) October 18, 2023
In contrast, Travelers typically offers better pricing. The Travelers insurance rating reflects their competitive rates, and Travelers auto insurance in Michigan is often more affordable. Additionally, Travelers provides useful benefits like Travelers employee discounts, which can further lower your insurance costs.
For those seeking a more economical choice, Travelers generally offers better value. While Liberty Mutual services in Idaho and other locations provide solid coverage, the higher costs associated with Liberty Mutual auto insurance for drivers might make Travelers a more attractive option.
Overall, Liberty Mutual vs. Travelers reveals that Travelers often offers lower rates and valuable discounts, making it a better choice for those looking to save on auto insurance.
To learn more about the companies, read our Liberty Mutual review and our Travelers insurance review.
Deciding whether to buy Liberty Mutual vs. Travelers auto 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 auto insurance, enter your ZIP code to see quotes from multiple car insurance companies near you for free.
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Frequently Asked Questions
How do Liberty Mutual and Travelers compare in terms of pricing?
Travelers insurance is consistently cheaper than Liberty Mutual for all categories, including different ages, genders, and driving histories. If you are looking for more affordable auto insurance, Travelers may be the better choice.
Are there any discounts available with Liberty Mutual or Travelers?
Both Liberty Mutual and Travelers offer several discounts. Liberty Mutual provides discounts such as a married discount and defensive driving discount, while Travelers offers discounts for on-time payments, good students, and defensive driving. The availability and amount of these discounts can vary.
What are the main differences between Liberty Mutual and Travelers auto insurance?
Travelers auto insurance generally offers lower rates compared to Liberty Mutual across various factors, including age, gender, marital status, driving history, and credit score. Travelers also provides a variety of discounts, such as the roadside assistance discounts, making it a more budget-friendly option for many drivers.
How do Liberty Mutual and Travelers fare in customer satisfaction?
Both Liberty Mutual and Travelers have average or below-average customer satisfaction ratings. While Liberty Mutual is accredited by the Better Business Bureau, Travelers is not. It’s important to review customer feedback and satisfaction ratings when choosing an insurance provider. Get started on comparing full coverage auto insurance rates by entering your ZIP code below.
What are the financial strength ratings for Liberty Mutual and Travelers?
Liberty Mutual has an A rating from A.M. Best, indicating an excellent ability to meet financial obligations. Travelers holds an A+ rating from A.M. Best, reflecting a superior ability to meet financial obligations. Travelers is generally rated higher in terms of financial strength.
Does credit score impact insurance rates with these companies?
How does driving history affect insurance rates with Liberty Mutual and Travelers?
Both Liberty Mutual and Travelers consider driving history when calculating rates. However, Liberty Mutual tends to charge higher rates regardless of your driving record compared to Travelers, which is often cheaper for drivers with accidents, tickets, or DUIs.
Is Liberty Mutual less expensive than Geico?
Liberty Mutual is generally more expensive than Geico. Geico often offers lower rates and discounts compared to Liberty Mutual, making it a more budget-friendly option for many drivers.
Can I compare insurance quotes from multiple companies?
Yes, you can enter your ZIP code to compare auto insurance companies quote from multiple providers in your area for free. This will help you find the best rates and coverage options tailored to your needs.
Is Liberty Mutual less expensive than Progressive?
No, Liberty Mutual is typically not less expensive than Progressive. Progressive often provides more competitive pricing and discounts compared to Liberty Mutual, making it a more cost-effective choice.
Is Liberty Mutual insurance costly?
Yes, Liberty Mutual insurance tends to be more costly compared to other insurance providers. Its rates are generally higher, which may not be ideal for those seeking more affordable options.
Are there differences in the additional services offered by Liberty Mutual and Travelers?
Both companies offer additional services like roadside assistance. Travelers is noted for its variety of discounts and additional benefits such as employee discounts. Liberty Mutual also provides robust coverage options but tends to have higher premiums.
Is Travelers a reputable insurance company?
Yes, Travelers is a reputable insurance company with strong financial ratings and a long history in the industry. It is known for its reliable coverage and customer service.
How does Liberty Mutual rank for auto insurance?
Liberty Mutual ranks average to below average for auto insurance in terms of customer satisfaction. While it has strong financial ratings, its pricing and service quality may not always be the best in comparison to other insurers.
How should I choose between Liberty Mutual and Travelers auto insurance?
When deciding between Liberty Mutual and Travelers, consider factors like pricing, discounts, customer satisfaction, and financial strength. Travelers often provides better value with lower rates and more discounts, while Liberty Mutual offers comprehensive auto insurance coverage but at a higher cost. Comparing quotes and evaluating your priorities will help you make the best choice for your needs.