Liberty Mutual vs The Hartford: Which is Better for You?
Compare rates from the top car insurance companies in your area.
Liberty Mutual or The Hartford: Which company is best for you?
Liberty Mutual and The Hartford are two of the biggest names in insurance, with an advertising reach to match. Chances are you've seen more than one commercial from either in the past month. Liberty Mutual was founded in 1912, while The Hartford was founded in 1810. Both are widely-trusted companies, but which has the discounts, services, and customer ratings that matter most to you? See how they stack up below.
| Discount Comparison | Liberty Mutual | The Hartford |
|---|---|---|
| Good Student |
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| Multiple Policies |
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| Multiple Vehicles |
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| Anti-Theft Device(s) |
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| Anti-Lock Brake System |
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| Air Bags |
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| Good Driver |
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| Defensive Driver |
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| Student Away at School |
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| Driver Training |
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| Green Vehicles | ||
| Affinity Membership Alum |
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| Advanced Purchase | ||
| Pay in Full |
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| Home Owner |
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| eSign or ePay | ||
| Telematics |
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| New Vehicle | ||
| Annual Mileage |
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| Military |
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| Ratings Comparison | Liberty Mutual | The Hartford |
|---|---|---|
| Financial Strength | Good | Excellent |
| JD Power Rankings | Average | Excellent |
| User Satisfaction | 4.2/5 | 4.2/5 |
| Other Products | Liberty Mutual | The Hartford |
|---|---|---|
| Boat Insurance |
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| Condo Insurance |
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| Life Insurance |
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| Homeowners Insurance |
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| Travel Trailer Insurance |
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| Renters Insurance |
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| RV Insurance |
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| Motorcycle Insurance |
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| Mobile Home Insurance |
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| Other Features | Liberty Mutual | The Hartford |
|---|---|---|
| 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. | Since 1810, The Hartford continually seeks new and better ways to proactively respond to their customers needs. |
| 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. | The Hartford has towing and labor coverage to help pay for a tow if your vehicle is inoperable regardless of whether the vehicle is involved in an accident. |
| 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. | The Hartford is affiliated with AARP and offers numerous discounts including a discount for driving a hybrid or electric vehicle. |
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