Liberty Mutual vs Nationwide: Which is Better for You?
- Winner: Nationwide
- Nationwide is cheaper and has better ratings than Liberty Mutual.
- Your experience with Nationwide and Liberty Mutual will vary based on individual rating factors.
Why you can trust The Zebra
Ross joined The Zebra as a writer and researcher in 2019. He specialized in writing insurance content to help shoppers make informed decisions.
Ross h…
Credentials
- 5+ years in the Insurance Industry
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Liberty Mutual vs. Nationwide: What's the difference?
The Zebra's choice: Nationwide
Nationwide scored higher ratings on almost all rating factors and offers affordable rates
Liberty Mutual:
- Cost: N/A
- Customer service: 2.9
- Claims handling: 2
- Digital experience: 4
- Trust: 2
- Overall rating: 2.9
Liberty Mutual did not receive better ratings than Nationwide
Nationwide:
- Cost: $88/month for full coverage
- Customer service: 3.6
- Claims handling: 2
- Digital experience: 4
- Trust: 4.5
- Overall rating: 3.6
Nationwide takes the win for customer service and trust scores
Liberty Mutual vs. Nationwide: rates for high-risk drivers
If you have a recent citation on your driving record, Nationwide may be a more affordable insurance option than Liberty Mutual. See rates by violation category below for the two companies.
RATES BY CITATION: NATIONWIDE VS. LIBERTY MUTUAL
| Citation | 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 |
| DUI/DWI | $4,182 | $2,691 |
| Reckless driving | $3,459 | $2,508 |
| Speeding ticket | $2,068 | $1,469 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Liberty Mutual vs. Nationwide: rates by age
Car insurance companies depend on a driver's age as a measure of risk and a way to price policies. Insurance is typically pricey for young drivers and cheaper for drivers in middle age.
Budget-minded teen drivers should consider Nationwide before Liberty Mutual. Nationwide is among the cheapest choices for new drivers, while Liberty Mutual is closer to the middle of the pack.
RATES BY AGE: NATIONWIDE VS. LIBERTY MUTUAL
| Age tier | Liberty Mutual avg. annual premium | Nationwide avg. annual premium |
| Teens | $6,559 | $3,624 |
| 20s | $2,686 | $1,582 |
| 30s | $2,686 | $1,582 |
| 40s | $1,926 | $1,151 |
| 50s | $1,793 | $1,114 |
| 60s | $1,746 | $1,028 |
Aside from the head-to-head rates comparisons above, Liberty Mutual and Nationwide each come with important pros and cons worth weighing as you make your insurance decision. Before settling on an auto insurance company, get quotes and compare policy options.
Compare rates and start saving today!
Liberty Mutual vs. Nationwide: discount comparison
See below a head-to-head comparison the carriers' discount options for auto insurance.
Telematics options: Liberty Mutual vs. Nationwide
Both insurers offer telematics-powered policies, providing drivers the opportunity to save through low monthly mileage or safe driving practices. See more information about each company's mobile app below.
Liberty Mutual RightTrack follows your driving habits to help determine your rates. The company claims users will save up to 30% on their premiums. At the time of writing, the app had scores of 4.5 on the Apple Store and 4.0 on Google Play.
Liberty Mutual offers another telematics option called ByMile. ByMile is designed for low-mileage drivers. Usage-based car insurance tracks the number of miles driven to tailor rates to the distance you drive. As of early 2022, the app has a 4.3 on the Apple Store and a 4.0 on Google Play.
SmartRide is Nationwide's telematics app. Nationwide's mobile application tracks customers' driving habits and provides feedback in an effort to help drivers avoid risk (and claims).
Zebra Tip: Look to Liberty Mutual for telematics-powered savings
Whether you're interested in the advertised 30% savings associated with Liberty Mutual RightTrack or you want to capitalize on your status as a low-mileage driver with ByMile, Liberty Mutual's next-gen insurance options are top-of-the-line.
Roadside assistance: Liberty Mutual vs. Nationwide
Many insurers offer roadside assistance as an optional add-on, though it may not be built into basic coverage. See below the roadside assistance programs from Nationwide and Liberty Mutual.
Liberty Mutual
Liberty Mutual offers 24-hour roadside assistance, with the below features:
- Towing
- Jump starts
- Fuel delivery
- Lockout services
- Flat-tire changes
Nationwide
Nationwide partners with Agero to provide roadside assistance services. Drivers who add roadside assistance receive access to:
- Towing
- Battery jump start
- Fuel delivery
- Flat-tire change
- Winching services
- Lock-out services
Liberty Mutual vs. Nationwide: home insurance
In addition to selling car insurance, each company offers homeowners insurance with unique coverages, customer service standards and rates. See our in-depth homeowners insurance comparison below to learn more about Liberty Mutual and Nationwide.
Liberty Mutual homeowners insurance review
Liberty Mutual maintains a variety of home insurance coverage options, including flexible add-ons and endorsements. This makes the carrier a worthwhile option for those with unique coverage needs. Liberty Mutual home insurance earns positive ratings from third-party reviewers, and the company placed eighth overall in The Zebra's Customer Satisfaction Survey for home insurance.
- The Zebra Customer Satisfaction Survey — 4.3/5: Liberty Mutual received a 4.3 out of 5 in The Zebra's survey of customer satisfaction.
- Claims satisfaction (J.D. Power Rating) — Below average: In J.D. Power's most recent property claims satisfaction report, Liberty Mutual came in below the industry average.
- Customer satisfaction (J.D. Power Rating) — Below average: Liberty Mutual fell below the industry average in J.D. Power's customer satisfaction study.
- Financial strength — Good: According to AM Best, Liberty Mutual's financial outlook was rated at an "A".
- NAIC Rating — Good: Fewer complaints were logged by the NAIC in regards to Liberty Mutual's homeowners insurance, falling just below the national complaint index.
Nationwide homeowners review
Nationwide is a popular option for homeowners insurance, due to its solid product offerings and relatively affordable rates. The company earned roughly average reviews from various third-party reviewers and consumers, placing 10th in The Zebra's Customer Satisfaction Survey.
- The Zebra Customer Satisfaction Survey — 4.3/5: Nationwide placed 10th in The Zebra's homeowners insurance customer survey.
- Claims satisfaction (J.D. Power) — Above average: J.D. Power's property claims satisfaction study for 2021 gave Nationwide an above-average score of 892 out of 1,000.
- Customer satisfaction — (J.D. Power) — Below average: Nationwide earned below-average marks in J.D. Power's study of customer satisfaction.
- Financial strength — Superior: AM Best rates Nationwide an A+.
- NAIC Rating — Above Average: Nationwide received fewer complaints than did other major homeowners insurance companies.
Which company comes out on top?
Tie
Liberty Mutual and Nationwide both have pros and cons. Compare rates, discounts and coverage options to find the insurer that suits your situation.
Liberty Mutual vs. Nationwide: home insurance rate comparison
Liberty Mutual's average homeowners insurance rates are $1,414. Nationwide's average is more affordable, at $1,236 per year.
Just like auto insurance rates, homeowners insurance prices vary by situation, so be sure to get quotes from multiple companies to compare your options comprehensively.
The cheaper of the two options is Nationwide, at $103 per month. Liberty Mutual homeowners insurance isn't too much more expensive, at an average of $117 per month.
The Zebra’s homeowners insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Liberty Mutual vs. Nationwide: homeowners discount comparison
Nationwide and Liberty Mutual both offer home insurance discounts for customers meeting certain criteria. Compare these discounts head-to-head below.
| Discount comparison | Liberty Mutual | Nationwide |
|---|---|---|
| Claims free | ✓ | ✓ |
| Recent home buyer | ✓ | ✓ |
| Multi-policy | ✓ | ✓ |
| Early signing | ✓ | |
| Newer/more durable roof | ✓ | ✓ |
| Protective devices (smoke/burglar alarms, etc...) | ✓ | ✓ |
| Paid in full | ||
| Auto pay | ||
| New home construction | ✓ |
Zebra tip: Look into discounts
No matter if you opt for Liberty Mutual or Nationwide as your home insurance company of choice, be sure to tap the companies' available discounts to make your policy more affordable.
Other insurance products and bundling options
Liberty Mutual and Nationwide offer a variety of insurance products, along with the possibility of bundling policies for additional savings. Compare bundling and multi-line offerings from the two carriers below.
| Other products | Liberty Mutual | Nationwide |
|---|---|---|
| Boat insurance | ✓ | ✓ |
| Condo insurance | ✓ | ✓ |
| Life insurance | ✓ | ✓ |
| Homeowners insurance | ✓ | ✓ |
| Travel trailer insurance | ✓ | ✓ |
| Renters insurance | ✓ | ✓ |
| RV insurance | ✓ | ✓ |
| Motorcycle insurance | ✓ | ✓ |
| Mobile home insurance | ✓ | |
| Umbrella | ✓ | ✓ |
| ATV insurance | ✓ | ✓ |
| Pet insurance | ✓ | ✓ |
| Commercial insurance | ✓ |
Find the best insurance policy for your needs.
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.
