Picking an auto insurer is difficult: the rates each insurer offers can vary widely by driving record, age, and location, and companies offer an array of perks. Liberty Mutual and Nationwide are two of the US' most popular auto insurance companies, selling competitively priced policies in most states across the US.
In an effort to take the sting out of shopping for car insurance, we have gathered average premiums from Nationwide and Liberty Mutual. The below rates cover a variety of rating factors, including credit score, driving behavior, and age. Take a look at these rates and find an affordable policy today.
If you have extremely bad credit, Nationwide could be a better option for you. Typically, Nationwide offers lower prices than Liberty Mutual for prospective clients with credit scores of lower than 580. Drivers with extraordinary credit — a score of 800 or better — should lean toward View typical insurance rates by credit tier for Nationwide and Liberty Mutual below.
|Credit level||Liberty Mutual avg. annual premium||Nationwide avg. annual premium|
|Very Poor (300-579)||$3,228||$1,593|
|Very Good (740-799)||$1,878||$1,109|
If you have an at-fault collision, speeding ticket, reckless driving citation, or DUI on your driving record, Nationwide could be a better choice than Liberty Mutual. Every insurer will handle driving offenses differently, so always do your due diligence and compare quotes to understand which insurer is best for you.
|Violation||Liberty Mutual avg. annual premium||Nationwide avg. annual premium|
|At-fault accident (damage < $1,000)||$2,776||$1,836|
|At-fault accident (damage > $1,000)||$2,112||$1,475|
Insurance companies rely on age as an indicator of potential risk, assigning rates accordingly. An auto insurance policy is usually most expensive for teen drivers — because of their inexperience — and most affordable for drivers aged 25 or older. Because every car insurance company evaluates ages differently, it's worth shopping around and finding the best rate for you.
As a general rule, teen drivers should choose Nationwide over Liberty Mutual: the former's average annual rates are $2,935 less than the latter's..
|Age tier||Liberty Mutual avg. annual premium||Nationwide avg. annual premium|
Affordability aside, Liberty Mutual and Nationwide come with pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Be sure to weigh these elements before deciding.
|Discount Comparison||Liberty Mutual||Nationwide|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Liberty Mutual||Nationwide|
|JD Power Rankings|
|Other Products||Liberty Mutual||Nationwide|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Liberty Mutual||Nationwide|
|About||Liberty Mutual's "Buy Online Now” option may qualify drivers for additional discounts. Liberty Mutual customizes its insurance offerings so drivers only pay for what they need.||Auto insurance from Nationwide gives you peace of mind. When you choose an On Your Side Auto Repair Network® facility, you can get a written guarantee on your car repairs. With our On Your Side Claims® Service, you also get personal service like the On Your Side® Review, an annual check-in with your insurance professional to review your coverage. And with multi-policy and other discounts, such as the SmartRide® and SmartMiles® usage-based programs, you get peace of mind and value.|
|Roadside Assistance||Liberty Mutual offers 24-hour Roadside Assistance — covering towing to the nearest qualified repair facility, fuel delivery, jump starts, and unlocking vehicle doors — with purchase of optional Towing & Labor coverage.||Nationwide's Roadside Assistance is available in select states. Two levels of emergency Roadside Assistance coverage—Basic and Plus—are available. Nationwide Roadside Assistance Basic applies to everyone on your policy, in any car you might occupy with coverage that includes towing up to 15 miles, ditch extraction service, emergency fuel, battery jump-start, locksmith services up to $100 and tire changes. Nationwide Roadside Assistance Plus includes all the previously listed services in addition to a tow up to 100 miles and trip interruption coverage that may reimburse your expenses up to $500 for alternate transportation, lodging and meals if you find yourself broken down 100 or more miles from home.|
|Additional Discounts||Liberty Mutual offers additional discounts such as Newly Independent, New Teen and Good Payer discounts. In addition, Liberty Mutual offers benefits like Accident Forgiveness. Liberty Mutual also allows drivers to lock in their rate for a full year.||Nationwide offers additional savings through a Family Discount, which allows you to share discounts with members of your family.|
|Recent Questions||Why did my rate increase for a $25 towing claim?|
Unfortunately, you were given the correct information. Insurance companies base their rates on the risk of having to pay any claim.Can I get a refund for premiums I was forced to pay after accident?
Unfortunately, I do not have any experience with this matter. It does seem like a major oversight on part of Liberty Mutual.What's the difference between a vanishing deductible and accident forgiveness
Simply put: Accident Forgiveness with Liberty Mutual: If you're accident-free for five years (with any company), the company will forgive your first accident and not raise your rates. Furthermore, this policy can apply to all members of the household, including teenagers.Insurer refuses to give me my money back
I would try calling back again. It could be that the agent you spoke with was misinformed.See More Questions
|Can I get an EMT discount with Nationwide?|
To my knowledge, Nationwide does offer discounts to EMT but I'm not 100% if there are any specifics to the state of California. Because car insurance is regulated at the state, there could be some implications regarding California's state legislator that would prohibit employment status being considered.What's the ADOT code for Nationwide
The ADOT code for Nationwide would be listed on your policy documents. But for Nationwide, it is 0014.Is accident forgiveness a good idea for me?
You might be a good contender for this policy option. Most lease contracts will require you to keep the vehicle in good condition.See More Questions
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|Top States||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|