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. |
| 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.
See More Questions
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| Compare More | Liberty Mutual vs. 21st Century Liberty Mutual vs. Allied Liberty Mutual vs. Allstate Liberty Mutual vs. American Family Liberty Mutual vs. Amica Mutual Insurance Liberty Mutual vs. Erie Liberty Mutual vs. Esurance Liberty Mutual vs. Farm Bureau Mutual Liberty Mutual vs. Foremost Liberty Mutual vs. Infinity Liberty Mutual vs. Mercury Liberty Mutual vs. MetLife Liberty Mutual vs. North Star Mutual Liberty Mutual vs. Safe Auto Liberty Mutual vs. The General Liberty Mutual vs. Titan Liberty Mutual vs. Travelers | The Hartford vs. 21st Century The Hartford vs. Allied The Hartford vs. Allstate The Hartford vs. American Family The Hartford vs. Amica Mutual Insurance The Hartford vs. Auto Club (AAA) The Hartford vs. Erie The Hartford vs. Esurance The Hartford vs. Farmers The Hartford vs. Foremost The Hartford vs. GEICO The Hartford vs. Infinity The Hartford vs. Mercury The Hartford vs. MetLife The Hartford vs. Nationwide The Hartford vs. Progressive The Hartford vs. Safe Auto The Hartford vs. Safeco The Hartford vs. State Farm The Hartford vs. The General The Hartford vs. Titan The Hartford vs. Travelers The Hartford vs. USAA |
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