Liberty Mutual vs. Nationwide Auto Insurance in 2025 (Compare Rates & Options Here!)
Liberty Mutual vs. Nationwide auto insurance breaks down to $96 plans from Liberty Mutual with a 12-month rate lock and lifetime repair guarantee. Nationwide offers $63 plans with SmartRide discounts and a vanishing deductible. Both bring unique perks depending on what you're looking for.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
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UPDATED: Apr 28, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Apr 28, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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3,071 reviewsLiberty Mutual vs. Nationwide auto insurance compares Liberty’s $96 plan with accident forgiveness, a 12-month rate lock, and lifetime repair guarantees to Nationwide’s $63 plan with SmartRide savings and a vanishing deductible.
Liberty Mutual offers discounts for hybrid cars and safety features like lane departure alerts, while Nationwide rewards paperless billing and bundling.
Liberty Mutual vs. Nationwide Auto Insurance Rating| Rating Criteria |  |  |
|---|---|---|
| Overall Score | 4.2 | 4.4 |
| Business Reviews | 4.0 | 4.5 |
| Claim Processing | 3.3 | 3.5 |
| Company Reputation | 4.0 | 4.5 |
| Coverage Availability | 5.0 | 5.0 |
| Coverage Value | 4.1 | 4.3 |
| Customer Satisfaction | 2.0 | 2.0 |
| Digital Experience | 4.5 | 4.5 |
| Discounts Available | 5.0 | 5.0 |
| Insurance Cost | 4.3 | 4.5 |
| Plan Personalization | 4.5 | 4.5 |
| Policy Options | 5.0 | 4.7 |
| Savings Potential | 4.5 | 4.7 |
| Liberty Mutual | Nationwide |
Liberty Mutual Insurance provides coverage in all 50 states; Nationwide excludes Florida, New Jersey, Louisiana, and Massachusetts.
Liberty Mutual is great for low-risk drivers focused on long-term value, while Nationwide suits tech-savvy drivers who want lower rates through driving behavior.
- Nationwide gives you up to 40% off if you drive safely with SmartRide
- Liberty Mutual backs repairs done at approved shops
- Nationwide’s app lets you track claims and manage your policy easily
Both have solid perks—your best fit depends on how you drive and where you live. To help you choose the cheapest auto insurance, use our free comparison tool instantly.
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Comparing Liberty Mutual vs. Nationwide Auto Insurance Rates
Liberty Mutual vs. Nationwide auto insurance rates vary noticeably by age and gender, with Nationwide often coming out ahead, especially for younger drivers. At 16, male drivers see the biggest difference: Liberty Mutual charges $1,121 per month, while Nationwide comes in at $679, a $442 gap that can hit family budgets hard.
Liberty Mutual vs. Nationwide Full Coverage Auto Insurance Monthly Rates| Age & Gender | | |
|---|---|---|
| 16-Year-Old Female | $1,031 | $586 |
| 16-Year-Old Male | $1,121 | $679 |
| 30-Year-Old Female | $249 | $177 |
| 30-Year-Old Male | $285 | $194 |
| 45-Year-Old Female | $244 | $161 |
| 45-Year-Old Male | $248 | $164 |
| 60-Year-Old Female | $211 | $141 |
| 60-Year-Old Male | $227 | $149 |
By age 30, Nationwide stays below $200 for both men and women, but Liberty’s rates go over that mark, meaning drivers in their prime working years could be overpaying by $72 to $91 each month. Even at age 60, Liberty still costs $78 more for males, adding up to $936 a year.
Nationwide clearly favors experienced, clean-driving profiles, while Liberty’s pricing stays higher, even with perks like accident forgiveness and a rate lock. If you’re trying to save, especially with young or multiple drivers, those rate differences really show why it pays to shop around. See how to buy auto insurance and compare top-rated providers now.
Liberty Mutual Costs More After Violations
Even with the same driving record, you could see big price differences between Nationwide and Liberty Mutual auto insurance, and those gaps only widen with each violation. Whether it’s a speeding ticket or a DUI, your rate can jump fast, depending on who you’re insured with.
Liberty Mutual vs. Nationwide Full Coverage Auto Insurance Monthly Rates by Driving Record| Driving Record | | |
|---|---|---|
| Clean Record | $248 | $164 |
| One Accident | $335 | $230 |
| One Ticket | $302 | $196 |
| One DUI | $447 | $338 |
For drivers with a clean record, Nationwide charges $164 a month, while Liberty Mutual costs $248. After one accident, Liberty jumps to $335—$105 more than Nationwide. A speeding ticket brings Liberty’s rate to $302, compared to just $196 with Nationwide.
The most significant spike comes with a DUI: Liberty Mutual hits $447 a month, while Nationwide keeps it at $338. If you’ve got a clean history or even a few bumps, checking a Nationwide quote could save you big. Learning how to compare auto insurance companies can help you avoid overpaying, especially when your record isn’t perfect.
Fair Credit Brings a Steeper Hike From Liberty Mutual
When comparing Liberty Mutual vs. Nationwide auto insurance, your credit score can quietly raise your rate, even with a clean driving record. A drop from good to fair credit bumps Liberty Mutual’s rate to $215 monthly, costing you about $516 more yearly.
Full Coverage Insurance Monthly Rates by Credit: Liberty Mutual vs. Nationwide| Credit Score | | |
|---|---|---|
| Good Credit (670–739) | $172 | $158 |
| Fair Credit (580–669) | $215 | $192 |
| Bad Credit (300–579) | $276 | $248 |
Nationwide, on the other hand, only increases the rate by $34 for the same credit change, making it much easier on your wallet. With poor credit, Liberty Mutual Insurance charges $276 monthly, while Nationwide Mutual Insurance Company still stays lower at $248, a $28 difference that adds up to more than $330 annually.
If you’re juggling finances or learning how to file an auto insurance claim, picking the right provider can make a big difference in how affordable your coverage is. Getting a few Nationwide car insurance quotes can help you see what rates look like for your credit tier.
Liberty Mutual and Nationwide Vary on Digital Billing Discounts
Discounts can really shift what you pay with Liberty Mutual vs. Nationwide auto insurance, and each company rewards drivers a bit differently, depending on the situation. Some deals swing in Liberty’s favor, while others make Nationwide the better value.
Liberty Mutual vs. Nationwide Auto Insurance Discounts| Discount Type | | |
|---|---|---|
| Multi-Policy | 25% | 20% |
| Multi-Vehicle | 12% | 20% |
| Safe Driver | 30% | 10% |
| Good Student | 22% | 15% |
| Defensive Driving | 10% | 10% |
| Anti-Theft | 10% | 5% |
| New Vehicle | 10% | 10% |
| Paperless Billing | 3% | 5% |
| Early Quote | 10% | 10% |
| Paid-in-Full | 5% | 10% |
| Automatic Payments | 5% | 5% |
| Student Away | 10% | 10% |
| Low Mileage | 10% | 7% |
| Accident-Free | 30% | 10% |
| Affinity/Membership | 10% | 7% |
| Safety Features | 8% | 7% |
| Usage-Based Insurance (UBI) | 30% | 40% |
| Green Car | 5% | 5% |
Safe drivers score big with Liberty, thanks to a 30% discount for clean records. Got a student on your policy—Liberty Mutual Insurance offers a 22% good student discount, higher than Nationwide’s 15%. However, for families with multiple vehicles, Nationwide pulls ahead with a 20% multi-car discount, compared to Liberty’s 12%.
Paying your policy in full gets you 10% off with Nationwide, double Liberty’s 5%. Even small perks like paperless billing give you more Nationwide—5% off versus Liberty’s 3%. These Nationwide auto discounts are the kind of car insurance discounts you can’t miss, especially when they stack up to major savings over time.
Liberty Mutual vs. Nationwide Auto Insurance: Coverage Matchup
At first glance, Liberty Mutual vs. Nationwide auto insurance looks pretty similar when it comes to coverage—but understanding what each option actually includes can help you decide which one fits your needs best.
Both give you liability coverage, which covers injuries or damage you cause in a crash, and collision coverage to help fix your car if you hit something. Comprehensive kicks in for things like theft, fire, or even a tree falling on your car. If someone hits you and doesn’t have insurance, uninsured/underinsured motorist coverage has your back—and both companies include it.
Medical payments or PIP help cover hospital bills after an accident, no matter who’s at fault, which is handy if your health insurance doesn’t go far. You’ll also find roadside assistance, rental car reimbursement, and gap insurance from both providers. These are great if your car breaks down, needs repairs after a crash, or is totaled while you still owe on your loan.
Cash indemnity long-term care policies offer the flexibility to choose how and where your care dollars are spent without needing provider approval.
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Liberty Mutual and Nationwide both offer extras, too, like accident forgiveness and new car replacement, so your rate won’t spike after your first at-fault crash—and if your new car is totaled, you won’t be stuck with a low payout.
Understanding how each company applies these coverages is one of the most overlooked hacks to save money on car insurance, especially when claim conditions and payout limits vary widely by provider and state.
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Liberty Mutual vs. Nationwide: What Sets Them Apart
Liberty Mutual, based in Boston and around since 1912, is a mutual company—meaning it’s owned by its policyholders. One of its standout features is the RightTrack program, which tracks driving habits like smooth braking and nighttime driving.
If you drive safely, you could save up to 30% on your premium. It also has a low 0.55 complaint index, showing fewer customers run into issues with service.
Nationwide started in 1926 as Farm Bureau Mutual and expanded from covering Ohio farmers to serving drivers nationwide. Its CareMatters program is unique in offering cash benefits for long-term care—you can use the funds however you need, with no pre-approvals or restrictions.
It also holds an A+ rating from A.M. Best, reflecting excellent financial strength. Getting a Nationwide quote online can help you quickly see how much you could save. Make your next purchase easier with our guide on the best time to buy a new car.
Payments and Quotes Made Easy
Paying your bill with either company is super straightforward. Nationwide lets you use Easy Pay, pay online, or even text “PAY” for a quick payment. You might see small fees with installment plans, but paying in full skips those charges.
Liberty Mutual offers plenty of options, too—auto-pay, payroll deduction, online or phone payments, and direct bank transfers (EFT). Both also take payments by mail and let you manage everything through your online account.
Getting a quote is just as easy. Both sites offer free, fast quotes you can save for later. Nationwide’s digital quoting gives you personalized pricing on the spot, while Liberty Mutual lets you buy coverage right after quoting. Prefer to talk it out—both also offer in-person help with local agents.
Learn more: The Worst States for Filing an Auto Insurance Claim
Liberty Mutual vs. Nationwide: Consumer Feedback Reflects Consistent Satisfaction
Comparing Liberty Mutual vs. Nationwide auto insurance through expert reviews gives a clearer picture of how each company performs beyond just pricing. It’s about how they handle real customers, real claims, and real service.
Insurance Business Ratings & Consumer Reviews: Liberty Mutual vs. Nationwide| Agency | | |
|---|---|---|
 | Score: 717 / 1,000 Above Avg. Satisfaction | Score: 728 / 1,000 Above Avg. Satisfaction |
 | Score: A- Good Business Practices | Score: A+ Excellent Business Practices |
 | Score: 74/100 Good Customer Satisfaction | Score: 75/100 Positive Customer Feedback |
 | Score: 0.55 Fewer Complaints Than Avg. | Score: 0.78 Fewer Complaints Than Avg. |
 | Score: A Excellent Financial Strength | Score: A+ Excellent Financial Strength |
Nationwide earns a 728 in J.D. Power, showing strong marks for billing, customer service, and digital tools. Liberty Mutual isn’t far behind at 717, but it stands out with a lower complaint index of 0.55 compared to Nationwide’s 0.78, meaning fewer customers file official complaints.
Nationwide holds an A+ rating from A.M. Best, which points to stronger financial strength—a big deal if you’re ever hit with a major loss or storm damage.
Consumer Reports scores are nearly identical, with Nationwide at 75 and Liberty at 74, both showing reliable performance overall. So, if you want smoother digital tools and support, Nationwide has a slight edge, while Liberty Mutual may give you fewer customer service headaches when things go wrong.
Liberty Mutual vs. Nationwide auto insurance shows a noticeable gap in market presence. Liberty Mutual holds 4.20% of the U.S. auto insurance market, while Nationwide has a smaller share at 1.70%. The rest is divided among larger and smaller competitors across the industry.
While Liberty’s broader reach suggests more brand visibility, that doesn’t always translate to better coverage or pricing. Nationwide may have a smaller footprint, but it still offers competitive rates and standout features that can make a big difference depending on your location and needs.
Reddit users shared that their family is with Liberty Mutual, and they’ve really liked being able to handle everything directly—no agent is involved. They found the pricing fair thanks to a group discount, though they noted it might not be the cheapest without it.
Comment
byu/Help_Me_Reddit01 from discussion
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They also mentioned filing a claim after getting rear-ended and said the whole process went smoothly and was a good experience overall. It’s always helpful to see what real people are saying on Reddit when you’re deciding between insurance companies.
See more: Top Ways You’re Wasting Money On Your Car
Pros and Cons of Liberty Mutual
Particularly if you drive safely or insure a student, Liberty Mutual is a wonderful choice if you want to stack discounts and obtain strong coverage benefits. It might not be the lowest choice available, but, if you have an accident or wish more savings for upfront payment.
Pros
- Big Safe Driver Discount: Offers up to 30% off for keeping a clean record—much higher than what many other companies offer.
- Strong Student Savings: Gives students up to 22% off, which is great if you’ve got a teen on your policy.
- Fewer Complaints: Liberty scores a 0.55 complaint index, meaning fewer people report issues compared to competitors like Nationwide.
Cons
- Pricey After an Accident: One accident bumps your rate to around $335 per month, which is over $100 more than what Nationwide charges.
- Lower Paid-in-Full Discount: You only get 5% off for paying upfront, while Nationwide offers 10% for the same thing.
If you’re a clean driver looking to stack multiple discounts, Liberty Mutual can be a smart choice. Just make sure to shop around—especially if you’ve had an accident or prefer big one-time savings. Learn what drivers are saying in this Liberty Mutual insurance review.
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Pros and Cons of Nationwide
Nationwide is a good choice if you want a business with a stable financial foundation and appreciate the idea of saving money by tracking your driving. Its affordable rates following accidents more than makeup for its lack of the most substantial student discounts.
Pros
- SmartRide Savings Potential: Drivers using SmartRide can unlock up to 40% off, making it one of the most generous usage-based programs in the market.
- Lower Post-Accident Premiums: After one accident, the average rate is $230 per month, significantly cheaper than Liberty Mutual’s $335.
- A+ Financial Strength Rating: Nationwide’s A+ from A.M. Best gives customers added security when filing high-value or disaster-related claims.
Cons
- Limited Student Discount: Offers a 15% good student discount, which is 7% lower than Liberty Mutual’s 22% offer for the same driver profile.
- Smaller National Reach: Holds only 1.70% of the U.S. auto insurance market, which may limit local support options in some regions.
Nationwide is a solid pick for drivers who want to save based on how they drive and value dependable claims service. Just keep in mind that student drivers and those looking for in-person support might find stronger options elsewhere. To see if you qualify for better rates, start with a quick Nationwide quote car tool and compare your savings. Check out our Nationwide car insurance review to see how it compares.
Comparing Liberty Mutual and Nationwide Can Reveal Hidden Savings
Liberty Mutual Insurance vs. Nationwide auto insurance really comes down to what matters more to you—big upfront discounts or savings based on how you drive.
Liberty Mutual offers a solid 22% multi-policy discount and a low 0.55 complaint index, making it a good pick for drivers who want to bundle and value a smoother claims experience. Nationwide Financial Services, backed by an A+ rating from A.M. Best, is a strong option for high-risk drivers, charging $338 a month after a DUI—over $100 less than Liberty in that scenario.
Liberty’s rates tend to jump more after an accident, while Nationwide’s smaller 1.70% market share might mean fewer local agents, depending on where you live. If you’re exploring what to do if you can’t afford your auto insurance, comparing quotes from multiple insurers online is one of the most effective ways to find better pricing and features that match your situation.
Getting a Nationwide car insurance quote online is quick and gives you a clear picture of potential savings. To find a better rate based on your needs, just use our free comparison tool.
Frequently Asked Questions
How much does Nationwide car insurance cost?
Nationwide car insurance averages around $164 per month for drivers with clean records. However, rates vary based on factors like age, ZIP code, vehicle type, and whether you use savings tools like SmartRide, which can cut rates by up to 40%.
Getting a Nationwide auto insurance quote is the easiest way to see how these factors impact your price.
What is the difference between Liberty Mutual and The General?
Liberty Mutual offers full coverage, accident forgiveness, and up to 30% off with its RightTrack program, while The General caters to high-risk drivers and typically offers minimum coverage with fewer policy customizations.
For more insight into policy options, check out The General insurance review to see how it compares in flexibility and pricing.
How does Nationwide vs. Safe Auto compare for low-cost coverage?
Nationwide offers more robust coverage and features like Vanishing Deductible and SmartRide, while Safe Auto is often a last-resort option for drivers needing state-minimum liability with limited discounts or add-ons. Getting Nationwide car insurance quotes can help you see how their extra features and savings options compare to basic coverage from companies like Safe Auto.
Which is better for full coverage: Liberty Mutual vs. Safe Auto?
Liberty Mutual is better for full coverage with options like rental reimbursement, new car replacement, and gap insurance, while Safe Auto focuses on basic liability and offers fewer optional coverages and discounts.
What are the key differences between Farmers and Nationwide?
Farmers provides extensive policy customization and a wide network of local agents, whereas Nationwide stands out with more competitive rates and digital tools like online quoting, Easy Pay, and CareMatters long-term care coverage.
You can explore everything you need to know about Farmers in one simple guide.
What are some Nationwide insurance similar companies?
Nationwide insurance similar companies include Allstate, which also offers usage-based discounts; Liberty Mutual, with strong bundle savings; and State Farm, known for student and safe driver discounts.
What are the differences between Nationwide and Safeco?
Nationwide offers structured discounts like multi-policy, paperless billing, and accident-free rewards, while Safeco operates through independent agents and may offer lower premiums but less online servicing.
What are the key distinctions between Liberty Mutual and AAA?
Liberty Mutual includes advanced features like Better Car Replacement and up to 30% off with safe driving, while AAA offers insurance along with roadside assistance, travel discounts, and member-exclusive perks, though insurance options vary by region.
For a closer look at coverage and benefits, check out our AAA auto insurance review.
How does Liberty Mutual vs. Esurance compare for online services?
Liberty Mutual provides both online and agent support, including policy bundling and accident forgiveness, while Esurance is 100% online with faster quotes but limited policy flexibility and fewer in-person services.
What qualifies as Nationwide cheap insurance?
Nationwide cheap insurance is typically achieved through SmartRide, bundling auto and home for up to 20% off and using discounts like a good student, safe driver, or paperless billing—small savings that can add up to hundreds yearly.
For accurate pricing and coverage options, simply enter your ZIP code.
Enter your zip code below to view companies that have cheap insurance rates.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
