Liberty Mutual vs Nationwide Car Insurance

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Liberty Mutual or Nationwide:
Which Company is Best for You?

Picking an auto insurer is difficult: the rates each insurer offers can vary widely by driving record, age, and location, and companies offer an array of perks. Liberty Mutual and Nationwide are two of the US' most popular auto insurance companies, selling competitively priced policies in most states across the US.

In an effort to take the sting out of shopping for car insurance, we have gathered average premiums from Nationwide and Liberty Mutual. The below rates cover a variety of rating factors, including credit score, driving behavior, and age. Take a look at these rates and find an affordable policy today.

Seeking more info? Read our reviews of Liberty Mutual and Nationwide.


Liberty Mutual vs. Nationwide: premium comparison


Liberty Mutual vs. Nationwide: pricing by credit score

If you have extremely bad credit, Nationwide could be a better option for you. Typically, Nationwide offers lower prices than Liberty Mutual for prospective clients with credit scores of lower than 580. Drivers with extraordinary credit — a score of 800 or better — should lean toward View typical insurance rates by credit tier for Nationwide and Liberty Mutual below.


RATES BY CREDIT LEVEL: Nationwide VS. Liberty Mutual
Credit levelLiberty Mutual avg. annual premiumNationwide avg. annual premium
Very Poor (300-579)$3,228$1,593
Fair (580-669)$2,276$1,262
Good (670-739)$2,109$1,283
Very Good (740-799)$1,878$1,109
Exceptional (800-850)$1,792$1,037

Liberty Mutual vs. Nationwide: high-risk driver rates

If you have an at-fault collision, speeding ticket, reckless driving citation, or DUI on your driving record, Nationwide could be a better choice than Liberty Mutual. Every insurer will handle driving offenses differently, so always do your due diligence and compare quotes to understand which insurer is best for you.


RATES BY VIOLATION: Nationwide VS. Liberty Mutual
ViolationLiberty Mutual avg. annual premiumNationwide 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

Liberty Mutual vs. Nationwide: rates by age bracket

Insurance companies rely on age as an indicator of potential risk, assigning rates accordingly. An auto insurance policy is usually most expensive for teen drivers — because of their inexperience — and most affordable for drivers aged 25 or older. Because every car insurance company evaluates ages differently, it's worth shopping around and finding the best rate for you.

As a general rule, teen drivers should choose Nationwide over Liberty Mutual: the former's average annual rates are $2,935 less than the latter's..


RATES BY AGE: Nationwide VS. Liberty Mutual
Age tierLiberty Mutual avg. annual premiumNationwide avg. annual premium
Teens$6,559$3,624
20s$2,686$1,582
30s$1,942$1,582
40s$1,926$1,151
50s$1,793$1,114
60s$1,746$1,028

Affordability aside, Liberty Mutual and Nationwide come with pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Be sure to weigh these elements before deciding.

Discount ComparisonLiberty MutualNationwide
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 MutualNationwide
Financial Strength ExcellentSuperior
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon
4 out of 5
User Satisfaction

A+

A+

Other ProductsLiberty MutualNationwide
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesLiberty MutualNationwide
About"Buy Online Now” option may qualify you for additional discounts. Here’s why 9 out of 10 customers recommend us: Customized insurance so you only pay for what you need Discounts that save you money Rated “A” by A.M. Best Company.Nationwide demonstrates customer appreciation and respect through dedicated, licensed professionals and superior claim service.
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 the purchase of optional Towing & Labor coverage.Nationwide's Roadside Assistance is available in select states. Two levels of emergency Roadside Assistance coverage—Basic and Plus—are available. Nationwide Roadside Assistance Basic applies to everyone on your policy, in any car you might occupy with coverage that includes towing up to 15 miles, ditch extraction service, emergency fuel, battery jump-start, locksmith services up to $100 and tire changes. Nationwide Roadside Assistance Plus includes all the previously listed services in addition to a tow up to 100 miles and trip interruption coverage that may reimburse your expenses up to $500 for alternate transportation, lodging and meals if you find yourself broken down 100 or more miles from home.
Additional DiscountsLiberty Mutual offers additional discounts for those who have recently moved and for the newly retired, newly married or newly graduated.Nationwide offers additional savings through a Family Discount, which allows you to share discounts with members of your family.
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
Simply put: 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.
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What's the ADOT code for Nationwide
The ADOT code for Nationwide would be listed on your policy documents. But for Nationwide, it is 0014.
Will an insurance company tell me if someone has paid a loan off?
Unfortunately an insurance company is not able to get information on another person's loan status due to privacy laws. Typically when a loan is fully paid off for a vehicle, then the title is transferred to the owner, who should then turn it over to you with the vehicle.
I was rear-ended but the driver drove off before we exchanged information
The safest course of action would be to contact your insurance company with all the information possible. Including the police report and the at-fault driver's license plate information.
If I hit an uninsured driver, can he go after me for damages?
Georgia isn't a "No-Pay No-Play" state, so if the insured driver is considered to be at-fault for the crash then the not at-fault party's insurance status does not have a bearing on any claims payout. Long story short, they can claim their vehicle damage and injuries if the other driver is at-fault.
See More Questions
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States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
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Liberty Mutual vs Nationwide

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