Choosing an auto insurer can be tricky: every company's rates differ based on your location, vehicle, and driving record, and companies offer an array of discounts. Liberty Mutual and Nationwide are two of America's most popular insurers, offering competitively priced policies across large portions of the US.
In an effort to simplify the process of comparing insurance companies, we have collected average premiums from Nationwide and Liberty Mutual. The below rates cover a variety of rating factors, including credit rating, driving history, and age. Check out the below rates and find your next car insurance policy today.
If you have very poor credit, Nationwide could be a better option for you. On average, Nationwide offers lower rates than Liberty Mutual for prospective clients with credit scores of lower than 580. Those with outstanding credit — a score of 800 or better — should lean toward View typical insurance rates by credit level for Nationwide and Liberty Mutual below.
| Credit level | Liberty Mutual avg. annual premium | Nationwide 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 |
If you have an at-fault collision, speeding violation, reckless driving citation, or DWI on your driving résumé, Nationwide could be a better choice than Liberty Mutual. Every auto insurance company will handle driving offenses differently, so don't hesitate to shop around to find out which insurer is best for you.
| Violation | Liberty Mutual avg. annual premium | Nationwide 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 |
Insurers rely on a driver's age to estimate risk, pricing premiums accordingly. An auto insurance policy is usually more expensive for teen drivers — due to their inexperience — and most affordable for middle-aged drivers. Because every auto insurance company evaluates age brackets in a different way, it's smart to shop around and find the perfect policy 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..
| Age tier | Liberty Mutual avg. annual premium | Nationwide 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 |
Finances aside, Liberty Mutual and Nationwide both have pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
| Discount Comparison | Liberty Mutual | Nationwide |
|---|---|---|
| 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 Comparison | Liberty Mutual | Nationwide |
|---|---|---|
| Financial Strength | Excellent | Superior |
| JD Power Rankings | 3 out of 5 | 4 out of 5 |
| User Satisfaction | A+ | A+ |
| Other Products | Liberty Mutual | Nationwide |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | Liberty Mutual | Nationwide |
|---|---|---|
| About | Liberty Mutual is committed to providing broad, useful and competitively-priced insurance products and services to meet their customers' ever-changing needs. | Nationwide demonstrates customer appreciation and respect through dedicated, licensed professionals and superior claim service. |
| 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 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 Discounts | Liberty 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 Questions | Why did my rate increase for a $25 towing claim? I used roadside & towing coverage once, my car was towed 2 miles, bill $75, insurance paid $25. I have ... Had a car accident and the insurance company declared it “totaled.” I live in NY state, was in a car ... Kinda seems like they do the same thing. Do I need both? I have a new teen driver (17-year-old son) ... On 11/06/2017: I receive a notice of Non-Renewal from Progressive Ins. Notice states that the policy will expire on 12:01 ... | What’s the ADOT code for Nationwide I need the ADOT code for Nationwide.... I’m buying a vehicle from somebody but there’s a loan on it. I’d like to verify that it’s already paid ... Luckily, their license plate was attached to my bumper. What’s the best way to handle it? Visit the address the ... I live in Georgia and got into an accident. But the driver I hit didn’t have insurance. Can he still ... |
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| States Offered | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas |
