Liberty Mutual vs. Nationwide Auto Insurance in 2025 (Compare Rates & Options Here!)
Liberty Mutual vs. Nationwide auto insurance compares $96 Liberty Mutual plans with 12-month rate lock and lifetime repair guarantees to $63 Nationwide plans featuring SmartRide savings and vanishing deductible, showing how each insurer offers unique value tied to monthly premiums and real benefits.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
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UPDATED: Apr 11, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Apr 11, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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3,792 reviewsCompany Facts
Min. Coverage
A.M. Best Rating
Complaint Level
Pros & Cons
3,792 reviews
3,071 reviewsCompany Facts
Min. Coverage
A.M. Best Rating
Complaint Level
Pros & Cons
3,071 reviewsLiberty Mutual vs. Nationwide auto insurance compares Liberty’s $96 monthly rate with accident forgiveness, 12-month rate lock, and lifetime repair guarantees to Nationwide’s $63 plan offering SmartRide savings and a vanishing deductible.
Liberty Mutual offers discounts for hybrid vehicles and advanced safety features like lane departure alerts, while Nationwide provides savings for paperless billing and multi-policy bundling.
Liberty Mutual vs. Nationwide Auto Insurance Rating| Rating Criteria |  |  |
|---|---|---|
| Overall Score | 4.2 | 4.4 |
| Business Reviews | 4.0 | 4.5 |
| Claim Processing | 3.3 | 3.5 |
| Company Reputation | 4.0 | 4.5 |
| Coverage Availability | 5.0 | 5.0 |
| Coverage Value | 4.1 | 4.3 |
| Customer Satisfaction | 2.0 | 2.0 |
| Digital Experience | 4.5 | 4.5 |
| Discounts Available | 5.0 | 5.0 |
| Insurance Cost | 4.3 | 4.5 |
| Plan Personalization | 4.5 | 4.5 |
| Policy Options | 5.0 | 4.7 |
| Savings Potential | 4.5 | 4.7 |
| Liberty Mutual | Nationwide |
Liberty covers all states for auto insurance, unlike Nationwide, which excludes Florida, New Jersey, Louisiana, and Massachusetts.
Liberty Mutual appeals to low-risk drivers seeking long-term savings; Nationwide works best for tech-driven customers who want lower rates through behavior tracking.
- Nationwide gives you up to 40% off if you drive safely with SmartRide
- Liberty Mutual backs repairs done at approved shops
- Nationwide’s app lets you track claims and manage your policy easily
Both offer strong programs, but value depends on how you drive and where you live. For help choosing the cheapest auto insurance use our free comparison tool instantly.
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Age Impacts on Liberty Mutual vs. Nationwide Auto Insurance
This table breaks down how Liberty Mutual vs. Nationwide auto insurance prices full coverage based on age and gender. The numbers tell you how much more or less you’ll pay each month, depending on your profile.
Liberty Mutual vs. Nationwide Full Coverage Auto Insurance Monthly Rates by Age & Gender| Age & Gender | | |
|---|---|---|
| 16-Year-Old Female | $1,031 | $586 |
| 16-Year-Old Male | $1,121 | $679 |
| 30-Year-Old Female | $249 | $177 |
| 30-Year-Old Male | $285 | $194 |
| 45-Year-Old Female | $244 | $161 |
| 45-Year-Old Male | $248 | $164 |
| 60-Year-Old Female | $211 | $141 |
| 60-Year-Old Male | $227 | $149 |
At age 16, male drivers face the highest rate gap: Liberty Mutual charges $1,121 monthly compared to $679 at Nationwide, a $442 difference that can strain teen driver households. Nationwide stays under $200 for both 30-year-olds, while Liberty exceeds that mark—meaning mid-career drivers could overpay $72 to $91 each month if they don’t compare.
The smallest gap appears for 60-year-old males, but Liberty still costs $78 more, which adds up to $936 annually. Across the board, Nationwide rewards maturity and clean driving history more aggressively, while Liberty maintains consistently higher pricing despite offering perks.
If you’re trying to save—especially with young or multiple drivers—those rate differences really show why it pays to shop around. See how to buy auto insurance and compare top-rated providers now.
Clean Drivers Save More With Nationwide Than Liberty Mutual
Drivers with the same record often pay very different prices with Nationwide vs. Liberty Mutual auto insurance, and those differences grow with each mistake. From a minor ticket to a serious DUI, the cost of coverage can shift dramatically depending on the insurer.
Liberty Mutual vs. Nationwide Full Coverage Auto Insurance Monthly Rates by Driving Record| Driving Record | | |
|---|---|---|
| Clean Record | $248 | $164 |
| One Accident | $335 | $230 |
| One Ticket | $302 | $196 |
| One DUI | $447 | $338 |
Nationwide charges $164 per month for drivers with a clean record, while Liberty comes in at $248. One accident brings Liberty’s rate to $335, which is $105 more than Nationwide’s. A speeding ticket pushes Liberty’s price to $302, compared to $196 with Nationwide.
A DUI sends Liberty’s rate soaring to $447 monthly, while Nationwide caps it at $338. Requesting a Nationwide auto insurance quote is a smart first step if you want to see how your record affects your rate. Learning how to compare auto insurance companies can help you avoid overpaying, especially when your record isn’t perfect.
Fair Credit Brings a Steeper Hike From Liberty Mutual
In the comparison of Liberty Mutual vs. Nationwide auto insurance, credit score has a measurable impact on how much you’ll pay each month—even if your driving record is spotless. These price shifts can silently raise your premium just because of your credit tier.
Full Coverage Insurance Monthly Rates by Credit: Liberty Mutual vs. Nationwide| Credit Score | | |
|---|---|---|
| Good Credit (670–739) | $172 | $158 |
| Fair Credit (580–669) | $215 | $192 |
| Bad Credit (300–579) | $276 | $248 |
With fair credit, Liberty Mutual Insurance charges $215 monthly, costing you $516 more per year than if your credit was good. That same credit drop only raises Nationwide’s rate by $34, making it far less punishing.
For drivers with poor credit, Liberty Mutual Insurance Company reaches $276 per month, while Nationwide Mutual Insurance Company stays $28 cheaper. The pricing gap may seem small monthly, but it can total over $330 yearly.
If you’re juggling finances or learning how to file an auto insurance claim, picking the right provider can make a big difference in how affordable your coverage stays. Getting a few Nationwide car insurance quotes can help you see what rates look like for your credit tier.
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Liberty Mutual and Nationwide Vary on Digital Billing Discounts
Discounts can make or break how much you pay with Liberty Mutual vs. Nationwide auto insurance, and the breakdown shows just how differently each company rewards drivers. Some discounts go deeper with Liberty, while others favor Nationwide, depending on the category.
Liberty Mutual vs. Nationwide Auto Insurance Discounts| Discount Type | | |
|---|---|---|
| Multi-Policy | 25% | 20% |
| Multi-Vehicle | 12% | 20% |
| Safe Driver | 30% | 10% |
| Good Student | 22% | 15% |
| Defensive Driving Course | 10% | 10% |
| Anti-Theft Device | 10% | 5% |
| New Vehicle | 10% | 10% |
| Paperless Billing | 3% | 5% |
| Early Quote | 10% | 10% |
| Paid-in-Full | 5% | 10% |
| Automatic Payments | 5% | 5% |
| Student Away at School | 10% | 10% |
| Low Annual Mileage | 10% | 7% |
| Accident-Free | 30% | 10% |
| Affinity/Employer Group | 10% | 7% |
| Vehicle Safety Features | 8% | 7% |
| Usage-Based/Telematics Program | 30% | 40% |
| Hybrid/Electric Vehicle | 5% | 5% |
Liberty gives a massive 30% discount to safe drivers, which is great if you’ve kept a clean record. If you’ve got a teen on your policy who’s doing well in school, Liberty’s 22% good student discount beats Nationwide’s 15%. But if your household has more than one car, Nationwide’s 20% multi-vehicle discount saves more than Liberty’s 12%.
Paying your policy in full also stretches further with Nationwide, giving you 10% off compared to Liberty’s 5%. Even paperless billing gives you a little boost—Nationwide offers 5%, while Liberty only cuts 3%. These Nationwide auto discounts are the kind of car insurance discounts you can’t miss, especially when they stack up to major savings over time.
Liberty Mutual vs. Nationwide Auto Insurance: Coverage Matchup
At a glance, Liberty Mutual vs. Nationwide auto insurance seems to offer identical coverage types—but knowing what each one actually covers can help you figure out which company fits your needs better.
Liberty Mutual vs. Nationwide Auto Insurance Coverages| Coverage Type | | |
|---|---|---|
| Liability Coverage | ✅ | ✅ |
| Collision Coverage | ✅ | ✅ |
| Comprehensive Coverage | ✅ | ✅ |
| Uninsured/Underinsured Motorist | ✅ | ✅ |
| Medical Payments / PIP | ✅ | ✅ |
| Roadside Assistance | ✅ | ✅ |
| Rental Car Reimbursement | ✅ | ✅ |
| Gap Insurance | ✅ | ✅ |
| New Car Replacement | ✅ | ✅ |
| Accident Forgiveness | ✅ | ✅ |
| Custom Equipment Coverage | ✅ | ✅ |
| Vanishing Deductible | ❌ | ✅ |
| Usage-Based Insurance | ✅ | ✅ |
| Pet Injury Coverage | ✅ | ❌ |
Both include liability coverage, which pays for injuries and damage you cause to others in an at-fault accident. They also offer collision coverage, which helps repair or replace your car after hitting another vehicle or object, and comprehensive coverage that steps in for non-collision incidents like theft, fire, or falling trees.
If you are hit by an uninsured driver, uninsured/underinsured motorist coverage keeps you safe, and both companies include it in their policies. Medical payments (or PIP) cover hospital bills after an accident, regardless of fault—especially useful if you don’t have strong health insurance.
Cash indemnity long-term care policies offer the flexibility to choose how and where your care dollars are spent without needing provider approval.
Chris Abrams Licensed Insurance Agent
Liberty and Nationwide both provide roadside assistance, which helps when your car breaks down or needs a tow, and rental car reimbursement to cover the cost of a temporary vehicle during repairs. They also offer gap insurance, which pays the difference between what you owe on your loan and what the car is worth if it’s totaled.
New car replacement ensures you’re not stuck with a low depreciation payout after a total loss, and accident forgiveness prevents your rate from rising after your first at-fault crash. Understanding how each company applies these coverages is one of the most overlooked hacks to save money on car insurance, especially when claim conditions and payout limits vary widely by provider and state.
Liberty Mutual vs. Nationwide: What Sets Them Apart
Liberty Mutual, a company based in Boston that has been around since 1912 is owned by the people who have insurance policies with it. A very interesting feature of this company is what they call their RightTrack program, which monitors things such as how smooth your braking is or how often you drive at night.
If you are driving carefully according to these factors, then there’s an opportunity for you to cut down on your premium payment by nearly 30%. Moreover, it has a strong 0.55 complaint index, indicating that fewer clients experience problems with service.
Nationwide, which began in 1926 as Farm Bureau Mutual, has grown from insuring Ohio farmers to providing nationwide coverage. Its CareMatters program gives cash indemnity for long-term care, allowing full flexibility on how funds are spent—no pre-approval required.
It also holds an A+ rating from A.M. Best, reflecting excellent financial strength. Getting a Nationwide quote online can help you quickly see how much you could save. Make your next purchase easier with our guide on the best time to buy a new car.
Payments and Quotes Made Easy
Nationwide makes it simple to set up Easy Pay, pay your bill online, or just text “PAY” to send a quick payment. Installment plans have minor fees, while full payments avoid fees.
Liberty Mutual offers auto-pay, payroll deduction, online and phone payments, and EFT through your bank. Both companies accept mail payments and let you manage your account online.
Quotes are fast and free through both websites. Liberty and Nationwide also let you save your quote or visit a local agent. Nationwide digital quoting makes it easy to get personalized pricing online, while Liberty’s system allows instant purchases right after quoting. Nationwide also supports in-person consults for those who prefer one-on-one help.
Learn more: The Worst States for Filing an Auto Insurance Claim
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Liberty Mutual vs. Nationwide: Consumer Feedback Reflects Consistent Satisfaction
Looking at Liberty Mutual vs. Nationwide auto insurance through industry reviews tells us more than just who ranks higher—it shows how each insurer handles customer satisfaction, financial backing, and real-world claims experiences.
Insurance Business Ratings & Consumer Reviews: Liberty Mutual vs. Nationwide| Agency | | |
|---|---|---|
 | Score: 717 / 1,000 Above Avg. Satisfaction | Score: 728 / 1,000 Above Avg. Satisfaction |
 | Score: A- Good Business Practices | Score: A+ Excellent Business Practices |
 | Score: 74/100 Good Customer Satisfaction | Score: 75/100 Positive Customer Feedback |
 | Score: 0.55 Fewer Complaints Than Avg. | Score: 0.78 Fewer Complaints Than Avg. |
 | Score: A Excellent Financial Strength | Score: A+ Excellent Financial Strength |
Nationwide scores a 728 in J.D. Power, which means people tend to like how they handle billing, customer service, and the online experience. Liberty isn’t far behind at 717, but what stands out is its lower complaint index of 0.55 compared to Nationwide’s 0.78, so fewer customers end up frustrated enough to file formal complaints.
Nationwide’s A+ rating from A.M. Best shows stronger financial backing, which matters if you ever need a big claim paid after a storm or major crash.
On Consumer Reports, it’s nearly a tie—Nationwide at 75 and Liberty at 74—but those scores reflect consistent, solid service. So, if you care more about smooth digital tools and policy service, Nationwide has the edge, while Liberty might be the better bet if you want fewer headaches when problems do happen.
This chart compares Liberty Mutual vs. Nationwide auto insurance by market share, giving a snapshot of their presence in the industry. Liberty Mutual holds 4.20% of the market, while Nationwide trails with just 1.70%. The vast majority—94.10%—belongs to other providers.
Liberty’s larger share suggests wider reach, but that doesn’t always mean better coverage or lower rates. Nationwide may serve fewer drivers but still offers competitive features and pricing depending on your location.
Reddit users shared that their family is with Liberty Mutual, and they’ve really liked being able to handle everything directly—no agent is involved. They found the pricing fair thanks to a group discount, though they noted it might not be the cheapest without it.
Comment
byu/Help_Me_Reddit01 from discussion
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They also mentioned filing a claim after getting rear-ended and said the whole process went smoothly and was a good experience overall. It’s always helpful to see what real people are saying on Reddit when you’re deciding between insurance companies.
See more: Top Ways You’re Wasting Money On Your Car
Pros and Cons of Liberty Mutual
Particularly if you drive safely or insure a student, Liberty Mutual is a wonderful choice if you want to stack discounts and obtain strong coverage benefits. It might not be the lowest choice available, but, if you have an accident or wish more savings for upfront payment.
Pros
- Big Safe Driver Discount: Offers up to 30% off for keeping a clean record—much higher than what many other companies offer.
- Strong Student Savings: Gives students up to 22% off, which is great if you’ve got a teen on your policy.
- Fewer Complaints: Liberty scores a 0.55 complaint index, meaning fewer people report issues compared to competitors like Nationwide.
Cons
- Pricey After an Accident: One accident bumps your rate to around $335 per month, which is over $100 more than what Nationwide charges.
- Lower Paid-in-Full Discount: You only get 5% off for paying upfront, while Nationwide offers 10% for the same thing.
If you’re a clean driver looking to stack multiple discounts, Liberty Mutual can be a smart choice. Just make sure to shop around—especially if you’ve had an accident or prefer big one-time savings. Learn what drivers are saying in this Liberty Mutual insurance review.
Pros and Cons of Nationwide
Nationwide is a good choice if you want a business with a stable financial foundation and appreciate the idea of saving money by tracking your driving. Its affordable rates following accidents more than makeup for its lack of the most substantial student discounts.
Pros
- SmartRide Savings Potential: Drivers using SmartRide can unlock up to 40% off, making it one of the most generous usage-based programs in the market.
- Lower Post-Accident Premiums: After one accident, the average rate is $230 per month, significantly cheaper than Liberty Mutual’s $335.
- A+ Financial Strength Rating: Nationwide’s A+ from A.M. Best gives customers added security when filing high-value or disaster-related claims.
Cons
- Limited Student Discount: Offers a 15% good student discount, which is 7% lower than Liberty Mutual’s 22% offer for the same driver profile.
- Smaller National Reach: Holds only 1.70% of the U.S. auto insurance market, which may limit local support options in some regions.
Nationwide is a solid pick for drivers who want to save based on how they drive and value dependable claims service. Just keep in mind that student drivers and those looking for in-person support might find stronger options elsewhere. To see if you qualify for better rates, start with a quick Nationwide quote car tool and compare your savings. Check out our Nationwide car insurance review to see how it compares.
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Comparing Liberty Mutual and Nationwide Can Reveal Hidden Savings
Liberty Mutual Insurance vs. Nationwide Insurance auto insurance really comes down to what matters most to you—big upfront discounts or savings based on how you drive.
Liberty Mutual Insurance leads with a 22% multi-policy discount and 0.55 complaint index, making it strong for drivers who value bundled savings and smooth claims resolution. Nationwide Finacial Services stands out with an A+ A.M. Best rating and lower premiums for high-risk drivers, including $338 a month after a DUI, which is over $100 less than Liberty’s rate.
Liberty’s rates tend to climb sharply after an accident, while Nationwide’s smaller 1.70% market share may limit access to local agents. If you’re exploring what to do if you can’t afford your auto insurance, comparing quotes from multiple insurers online is one of the most effective ways to find better pricing and features that match your situation.
Getting a Nationwide car insurance quote online is quick and gives you a clear picture of potential savings. To find a better rate based on your needs, just use our free comparison tool.
Frequently Asked Questions
How much does Nationwide car insurance cost?
Nationwide car insurance averages around $164 per month for drivers with clean records. However, rates vary based on factors like age, ZIP code, vehicle type, and whether you use savings tools like SmartRide, which can cut rates by up to 40%.
What is the difference between Liberty Mutual and The General?
Liberty Mutual offers full coverage, accident forgiveness, and up to 30% off with its RightTrack program, while The General caters to high-risk drivers and typically offers minimum coverage with fewer policy customizations.
For more insight into policy options, check out The General insurance review to see how it compares in flexibility and pricing.
How does Nationwide vs. Safe Auto compare for low-cost coverage?
Nationwide offers more robust coverage and features like Vanishing Deductible and SmartRide, while Safe Auto is often a last-resort option for drivers needing state-minimum liability with limited discounts or add-ons.
Which is better for full coverage: Liberty Mutual vs. Safe Auto?
Liberty Mutual is better for full coverage with options like rental reimbursement, new car replacement, and gap insurance, while Safe Auto focuses on basic liability and offers fewer optional coverages and discounts.
What are the key differences between Farmers and Nationwide?
Farmers provides extensive policy customization and a wide network of local agents, whereas Nationwide stands out with more competitive rates and digital tools like online quoting, Easy Pay, and CareMatters long-term care coverage.
You can explore everything you need to know about Farmers in one simple guide.
What are some Nationwide insurance similar companies?
Nationwide insurance similar companies include Allstate, which also offers usage-based discounts; Liberty Mutual, with strong bundle savings; and State Farm, known for student and safe driver discounts.
What are the differences between Nationwide and Safeco?
Nationwide offers structured discounts like multi-policy, paperless billing, and accident-free rewards, while Safeco operates through independent agents and may offer lower premiums but less online servicing.
What are the key distinctions between Liberty Mutual and AAA?
Liberty Mutual includes advanced features like Better Car Replacement and up to 30% off with safe driving, while AAA offers insurance along with roadside assistance, travel discounts, and member-exclusive perks, though insurance options vary by region.
For a closer look at coverage and benefits, check out our AAA auto insurance review.
How does Liberty Mutual vs. Esurance compare for online services?
Liberty Mutual provides both online and agent support, including policy bundling and accident forgiveness, while Esurance is 100% online with faster quotes but limited policy flexibility and fewer in-person services.
What qualifies as Nationwide cheap insurance?
Nationwide cheap insurance is typically achieved through SmartRide, bundling auto and home for up to 20% off and using discounts like a good student, safe driver, or paperless billing—small savings that can add up to hundreds yearly.
For accurate pricing and coverage options, simply enter your ZIP code.
Enter your zip code below to view companies that have cheap insurance rates.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
