Liberty Mutual vs. Nationwide: Best Auto Insurance for 2021

When comparing Liberty Mutual vs. Nationwide, Nationwide is cheaper in every category. Although Nationwide scored slightly higher with A.M. Best, both companies earned average or below-average customer satisfaction ratings. Take advantage of the numerous discounts offered to see if Liberty Mutual vs. Nationwide auto insurance is best for you.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Apr 30, 2021

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Can't-Miss Facts

  • Nationwide insurance rates are cheaper than Liberty Mutual
  • Both companies have similar BBB and customer satisfaction ratings
  • Although Liberty Mutual and Nationwide have great financial ratings, Nationwide scores slightly higher

Because you have so many options when it comes to automobile insurance, comparing them head to head will help narrow down your choices. We’ll look at Liberty Mutual vs. Nationwide auto insurance companies to see if either meets your needs.

Compare the pros and cons of each company by looking at rates, discounts, and ratings to determine which one is right for you.

Read on to compare Liberty Mutual vs. Nationwide. You can compare free auto insurance quotes from multiple companies near you by entering your ZIP code now.

Is Liberty Mutual auto insurance or Nationwide auto insurance cheaper?

Many different factors go into determining your auto insurance rates. Companies commonly look at your age, gender, marital status, driving record, and credit history to calculate your rates.

These factors will help determine how affordable Liberty Mutual vs. Nationwide auto insurance is for you.

First, we will compare Liberty Mutual vs. Nationwide auto insurance rates based on your 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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Nationwide is cheaper than Liberty Mutual no matter the age, gender, or marital status of the driver.

One of the most significant factors used to determine your auto insurance rates is your driving record. Accidents, tickets, and DUIs can cause your rates to skyrocket.

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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Liberty Mutual is thousands of dollars more expensive than Nationwide regardless of your driving record.

One factor that might surprise you is your credit history. 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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Once again, Nationwide is the cheaper option for all credit scores. Drivers with bad credit will pay the most with either company.

Keep in mind, some states like California no longer allow insurance companies to use your credit score to calculate rates.

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Does Liberty Mutual or Nationwide have better auto insurance discounts?

Car insurance discounts can really save you money. Most auto insurance companies offer common discounts, such as multi-vehicle and good student discounts, and even allow you to combine them for more savings.

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 Auto Insurance Discounts
Auto 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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Although both companies offer many of the same discounts, there are some differences. For example, Liberty Mutual offers a military discount and Nationwide doesn’t. However, Nationwide offers a loyalty discount and Liberty Mutual does not.

As you compare Liberty Mutual vs. Nationwide auto insurance quotes, don’t forget to add any eligible discounts.

How do Liberty Mutual and Nationwide compare for 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.

Both companies offer easy-to-use websites and mobile apps that allow customers to access their accounts at any time. Each company offers additional services such as roadside assistance, and you can even compare other products like Liberty Mutual vs. Nationwide homeowners insurance.

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

Deciding to buy Liberty Mutual vs. Nationwide auto 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 auto insurance, enter your ZIP code to compare quotes from multiple companies near you.

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