Liberty Mutual vs Travelers: Which is Better for You?
Read on to see which company is best for you.
Liberty Mutual or Travelers: Which company is best for you?
Being two of America's most popular insurance companies, Liberty Mutual and Travelers both offer a wide variety of options for home and auto insurance. Read on to see which company is best for you and your insurance needs.
Liberty Mutual car insurance
Liberty Mutual's auto insurance product is notable for the expansive list of discount options and its array of coverage types that meet or exceed those offered by other major insurers. The company's primary area of concern is its higher-than-average number of customer complaints. See more info about Liberty Mutual car insurance below.
Travelers car insurance
While not the biggest insurer in the United States, Travelers is certainly among the oldest. The company boasts a strong reputation for providing customizable coverage at affordable prices and also offers a number of bundling options. However, Travelers receives scores less well than competitors regarding overall customer satisfaction. Read more below.
Liberty Mutual vs. Travelers: car insurance rate comparison
Choosing an auto insurance company based on price alone can be tough: rates may vary based on your location, vehicle, and driving record. Liberty Mutual and Travelers each vary in the way that they underwrite policies, meaning that your unique driver profile will play into how much you pay.
To simplify the shopping process, we've gathered average rates from Travelers and Liberty Mutual. These rates take into account various factors, including credit history, driving record, and age. Take a look at these figures to help guide you to the insurer that's right for you.
The insurer with the cheapest rates for most drivers is Travelers, while Liberty Mutual's average rate $144 per month is somewhat on the high end.
Liberty Mutual vs. Travelers: pricing by credit score
If you have a low credit score, Travelers and Liberty Mutual could each be a good option. While the companies have similar rates for low-credit drivers, Travelers offers more affordable rates for drivers across other credit tiers. Drivers with exceptional credit — scores of 800-plus — should certainly lean toward Travelers. See below the typical insurance rates by credit tier for Travelers and Liberty Mutual.
RATES BY CREDIT LEVEL: TRAVELERS VS. LIBERTY MUTUAL
|Credit level||Liberty Mutual avg. annual premium||Travelers avg. annual premium|
|Very Poor (300-579)||$3,228||$3,224|
|Very Good (740-799)||$1,878||$1,182|
Auto insurance data methodology
The auto insurance rates published in this guide are based on the results of The Zebra's State of Insurance car insurance pricing analysis. This analysis of more than 83 million insurance rates spans every U.S. ZIP code, using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
To generate pricing for particular rating factors, we adjusted the driving profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level, driving record and others.
In some instances, average rates from Liberty Mutual were derived from internally sourced sales data.
Liberty Mutual vs. Travelers: rates for high-risk drivers
If you have a speeding ticket or DWI in your past, your rates could be lower with Travelers than with Liberty Mutual. Every auto insurance company prices policies differently after a violation, so don't be afraid to shop around to figure out which insurer suits you.
RATES BY CITATION: TRAVLERS VS. LIBERTY MUTUAL
|Citation||Liberty Mutual avg. annual premium||Travelers avg. annual premium|
|At-fault accident (damage < $1,000)||$2,776||n/a|
|At-fault accident (damage > $1,000)||$2,112||n/a|
Liberty Mutual vs. Liberty Mutual: rates by age
Auto insurance companies use a driver's age to gauge the risk level they pose. Auto insurance policies are usually much more expensive for teen drivers — due to their lack of driving experience — and cheapest for middle-aged drivers. Because every car insurance company assigns rates differently, it's always a good idea to compare rates.
As a general rule, teen drivers concerned about cost should choose Travelers over Liberty Mutual. The former is one of the best budget choices for drivers across most age groups. See more pricing comparisons by age group below.
RATES BY AGE: TRAVELERS VS. LIBERTY MUTUAL
|Age tier||Liberty Mutual avg. annual premium||Travelers avg. annual premium|
Policy pricing aside, Liberty Mutual and Travelers each have a number of pros and cons, including their customer satisfaction ratings, discount programs, add-ons and financial stability. Be sure to get quotes and compare rates before settling on a policy.
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Ratings comparison: Liberty Mutual vs. Travelers
As two of the largest insurance companies in the United States, Liberty Mutual and Travelers are regularly reviewed and rated by customers and third-party evaluators based on many different criteria. We've put together some of these recent ratings to help you study each company's customer satisfaction standards, complaint ratios and financial security scores.
|Ratings comparison||Liberty Mutual||Travelers|
|Financial strength (A.M. Best)||Good||Superior|
|JD Power (claims satisfaction)||Average||Average|
|JD Power (customer satisfaction)||Above average||Below average|
|The Zebra's editorial review score||3/5||4/5|
|The Zebra's Customer Satisfaction Survey||4.2/5||4.3/5|
The Zebra's Customer Satisfaction Survey
The Zebra conducted an in-house survey of insurance consumers to discover how they viewed their insurance companies across a number of topics. See below how each of these companies performed.
Liberty Mutual scored near the bottom of The Zebra's survey of 15 carriers, placing 14th overall. However, with a score of 4.2, Liberty wasn't far from its nearest competitors. The company fared well in certain categories, including the below highlights.
- Scored well in Online Satisfaction (4.3)
- Older drivers rated the company higher than did their younger counterparts
Travelers auto insurance came in sixth place overall (out of 15 carriers) with a score of 4.3. The company scored well in most categories. See highlights below.
- Scored well in Online Satisfaction (4.4)
- In the top 5 for Claims and Customer Service Satisfaction
The Zebra Customer Satisfaction Survey methodology
Findings are based on an online quantitative survey of 4,794 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.
|Discount comparison||Liberty Mutual||Travelers|
|Anti-lock brake system||✓|
|Student away at school||✓||✓|
|Affinity membership alum||✓||✓|
|Pay in full||✓||✓|
|eSign or ePay|
Telematics options: Liberty Mutual vs. Travelers
Liberty Mutual and Travelers each have telematics programs that use technology to track better gauge your level of risk as a driver. The companies' offerings share much in common, but one may better suit your specific needs. See more information about each company's mobile apps 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.
Travelers IntelliDrive offers drivers the chance to save up to 20%. Participating policyholders must download a mobile app that tracks your driving habits for 90 days, after which time you might see savings. Bear in mind that this program is not available in all states.
Roadside assistance: Liberty Mutual vs. Travlers
To avoid exorbitant fees if you find yourself stranded on the side of the road, it pays to have a good roadside assistance program. Find summaries of the different roadside assistance options available from both Travelers and Liberty Mutual below.
Liberty Mutual offers 24-hour roadside assistance, with the following features:
- Jump starts
- Fuel delivery
- Lockout services
- Flat-tire changes
Travelers offers two tiers of Roadside assistance, both available 24-hours a day. Have a look at how each package compares below:
|Plan features||Basic plan||Premier Roadside Assistance|
Yes (up to 15 miles)
|Yes (up to 100 miles)|
|Flat tire change||
|Trip interruption coverage*||
|Personal property coverage**||
*Covers up to $200 per day, up to a maximum of $600
** Provides $500 of coverage for personal property damaged or stolen
Liberty Mutual vs. Travelers: home insurance
Each company has a huge presence in the car insurance industry, and the same can be said of their homeowners insurance offerings. Both Liberty Mutual and Travelers offer a wide selection of coverage options at fair prices. See our head-to-head comparison to find out which company might be the best fit for you.
Liberty Mutual homeowners insurance review
Liberty Mutual offers customers 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 mostly positive ratings from third-party reviewers, and the company placed eighth overall in The Zebra's Customer Satisfaction Survey for home insurance.
Learn more about Liberty Mutual home insurance in our review below.
- 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.
Travelers homeowners review
In addition to its auto coverage, Travelers also has a large footprint in the home insurance industry. The company boasts a variety of coverage options and discounts and offers reasonable rates overall. However, the company's homeowners offering didn't do quite as well in The Zebra Customers Satisfaction Survey. Find out more about the company and its ratings below.
- The Zebra Customer Satisfaction Survey — 4.3/5: Travelers received a 4.3 out of 5 in The Zebra's survey of customer satisfaction, 14th out of 15 companies.
- Claims satisfaction (J.D. Power Rating) — Average: In J.D. Power's most recent property claims satisfaction report, Travelers came in just below the industry average.
- Customer satisfaction (J.D. Power Rating) — Below average: Travelers fell below the industry average in J.D. Power's customer satisfaction study.
- Financial strength — Excellent: According to AM Best, Travelers has strong financials and will be able to handle your claims.
- NAIC Rating — Good: Fewer complaints were logged by the NAIC in regards to Travelers' homeowners insurance, falling just below the national complaint index.
Liberty Mutual vs. Travelers: home insurance rate comparison
Average annual home insurance rates for Liberty Mutual are $1,414. Travelers' average is a bit pricier at $1,500 per year, though not by much. Travelers and Liberty Mutual differ in how they price policies, so it's important to remember that your quotes may not match these exactly when looking for coverage.
Much like auto insurance rates, homeowners insurance prices can vary based on certain factors. Companies use your insurance history, along with historical data relating to your location, when putting together your quotes.
The insurer with the cheapest home insurance rates is Liberty Mutual with an average rate of $117 per month.
Homeowners insurance data methodology
The homeowners insurance rates published in this guide are based on The Zebra's analysis of the cost of home insurance in every U.S. ZIP code. These rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:
- $200,000 for the dwelling
- $20,000 for other structures
- $100,000 for personal property
- $100,000 for personal liability
- $1,000 deductible
To generate pricing for particular rating factors, we adjusted the homeowner profile based on common pricing factors used by major home insurance companies. These factors include location, coverage limits, claims record and others.
Liberty Mutual vs. Travelers: homeowners discount comparison
Liberty Mutual and Travelers both offer qualifying customers the chance to save on their premiums through homeowners discounts. Have a look at the table below to see how the available discounts stack up.
|Discount comparison||Liberty Mutual||Travelers|
|Recent home buyer||✓||✓|
|Newer/more durable roof||✓|
|Protective devices (smoke/burglar alarms, etc...)||✓||✓|
|Paid in full|
|New home construction||✓|
Other insurance products and bundling options
Both Liberty Mutual and Travelers have many insurance products available, with the option to bundle policies for extra savings. See how the product offerings from Liberty Mutual and Travelers compare below.
|Other products||Liberty Mutual||Travelers|
|Travel trailer insurance||✓|
|Mobile home insurance||✓|
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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 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.