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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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: May 1, 2021

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Can't-Miss Facts

  • 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.

Liberty Mutual vs. Travelers Average Annual Rates Based on Age, Gender, and Marital Status
Age, Gender, and Marital StatusLiberty Mutual Average Annual RatesTravelers 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
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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 Average Annual Rates Based on Driving Record
Driving RecordLiberty Mutual Average Annual RatesTravelers 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
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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 Average Annual Rates Based on Credit History
Credit HistoryLiberty Mutual Average Annual RatesTravelers Average Annual Rates
Good$4,388.18$4,058.97
Fair$5,604.24$4,344.10
Poor$8,802.22$5,160.22
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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.

Liberty Mutual vs. Travelers Auto Insurance Discounts
Auto Insurance DiscountsLiberty Mutual (%)Travelers (%)
Adaptive Cruise Control5N/A
Adaptive Headlights5N/A
Anti-lock Brakes5x
Anti-Theft20x
Claim Freex23
Continuous CoverageN/A15
Daytime Running Lights5x
Defensive Driver1010
Distant StudentN/A7
Driver's Ed108
Driving Device/App3030
Early SigningN/A10
Electronic Stability Control5N/A
Federal Employee10N/A
Forward Collision Warning5N/A
Full Payment$57.5
Further Education10x
Garaging/StoringN/Ax
Good Student22.58
Green Vehicle1010
Homeownerx5
Lane Departure WarningxN/A
Low Mileagexx
MarriedxN/A
Membership/Group10x
Military4N/A
Multiple Policies2013
Multiple Vehicles108
New Address5N/A
New Customer/New PlanxN/A
New Graduate5N/A
Newer VehicleN/A10
Newly Licensed5N/A
Newlyweds5N/A
Occupation10x
On-Time PaymentsN/A15
Paperless/Auto Billingx3
Passive Restraintxx
Recent Retirees4N/A
Safe DriverN/A23
Students & Alumni10N/A
Switching Provider10N/A
Vehicle Recovery35x
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 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.

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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