Liberty Mutual vs The Hartford

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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 ComparisonLiberty MutualThe Hartford
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military
Ratings ComparisonLiberty MutualThe Hartford
Financial Strength GoodExcellent
JD Power Rankings Below averageBelow average
User Satisfaction 4.2/54.2/5
Other ProductsLiberty MutualThe Hartford
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesLiberty MutualThe Hartford
AboutLiberty 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 AssistanceLiberty 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 DiscountsLiberty 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.
Recent QuestionsWhy 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
Let's first summarize the two: 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
Are deductibles company specific?
While they are some company-specific deductibles, the standard ones are $500 and $1000. So it's unlikely you won't be able to get the desired amount for your collision or comprehensive deductible.
See More Questions
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