Liberty Mutual vs. Travelers: Best Auto Insurance for 2021
When it comes to Liberty Mutual vs. Travelers, Travelers insurance is cheaper in all categories. Both Liberty Mutual and Travelers auto insurance companies have great financial ratings, but their customer satisfaction ratings are average or below average. When comparing Liberty Mutual vs. Travelers auto insurance, ask for any eligible discounts to lower your rates.
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UPDATED: May 1, 2021
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- Travelers auto insurance rates are cheaper than Liberty Mutual
- Travelers has a higher A.M. Best rating than Liberty Mutual
- Liberty Mutual has a slightly higher customer satisfaction rating than Travelers
Because you have a lot of automobile insurance options, compare them head to head to see which company is the best fit for you. We’ll look at Liberty Mutual vs. Travelers auto insurance companies to see if either is right for you.
Compare the pros and cons of each company when you consider rates, discounts, and ratings to see who has the cheaper car insurance for you.
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.
Is Liberty Mutual auto insurance or Travelers auto insurance cheaper?
Many different factors are used to determine your auto insurance rates. Insurance companies use your age, gender, marital status, driving record, and credit history to calculate your rates.
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.
|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 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.
|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|
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.
|Credit History||Liberty Mutual Average Annual Rates||Travelers Average Annual Rates|
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.
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Does Liberty Mutual or Travelers have better 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.
|Auto 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|
Although both 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.
Add in any discounts you are eligible for when you compare Liberty Mutual vs. Travelers auto 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 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.
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.