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.
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.
| 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 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.
| 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 |
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..
| 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 |
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 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 | ||
| 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 | "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 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? 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 forgivenessSimply 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 backI would try calling back again. It could be that the agent you spoke with was misinformed. See More Questions | 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 informationThe 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 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 |