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Liberty Mutual vs The Hartford
Car Insurance

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.
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Discount Comparison Liberty Mutualvs. The Hartford
Discount Comparison Liberty Mutualvs. The Hartford
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
New Vehicle
Annual Mileage
Ratings Comparison Liberty Mutualvs. The Hartford
Financial Strength Excellent Excellent
JD Power Rankings

2 out of 5

4 out of 5

User Satisfaction
Other Features Liberty Mutualvs. The Hartford

Liberty Mutual is committed to providing broad, useful and competitively-priced insurance products and services to meet their customers' ever-changing needs.

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 the 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 for those who have recently moved and for the newly retired, newly married or newly graduated.
  • The Hartford is affiliated with AARP and offers numerous discounts including a discount for driving a hybrid or electric vehicle.
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States Offered

The financial strength rating, categorized from Poor to Superior, is an independent assessment of a company's financial strength and a company’s ability to meet their ongoing insurance obligations when it comes to things like paying claims.

The J.D. Power rating, scored from 2 to 5, is an independent measure of customer satisfaction around the handling of claims. A higher J.D. Power Rating is a good indicator that a carrier will treat you well should something go wrong.

The User Satisfaction rating, graded from F to A+, is the Better Business Bureau’s assessment of how well the business is likely to interact with its customers, and is based on multiple factors including customer complaints and transparent business practices.