Liberty Mutual vs. USAA Auto Insurance [2024]
In this comprehensive comparison of Liberty Mutual and USAA Auto Insurance, we delve into the strengths and weaknesses of these prominent providers, exploring factors such as rates, financial stability, and customer satisfaction to assist you in making an informed decision for your auto insurance needs.
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Diego Anderson
Licensed Real Estate Agent
Diego Anderson is a Real Estate Agent based in the Bay Area of California. Having received his Real Estate License at the age of 18, he wasted no time learning the ins and outs of the industry. With a focus on residential dual agency, he has a passion for supporting and educating families on their home buying and selling decisions. He is no stranger to new builds and new developments. He also r...
Licensed Real Estate Agent
UPDATED: Mar 10, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Mar 10, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Navigating the myriad factors influencing rates can be daunting. Our analysis of Liberty Mutual and USAA Auto Insurance unveils a nuanced perspective on rates, considering crucial elements such as credit score, mileage, coverage level, and driving record. Delving into the data table, it becomes evident that USAA consistently emerges as the frontrunner, offering the most advantageous rates across diverse customer profiles. Whether it’s a stellar credit score, extensive mileage, comprehensive coverage needs, or a pristine driving record, USAA stands out as the preferred choice, providing a cost-effective solution tailored to individual circumstances.
| Factor | Liberty Mutual | USAA |
|---|---|---|
| Clean Record | $174 | $59 |
| 1+ Ticket | $212 | $67 |
| 1+ Accident | $234 | $78 |
| DUI | $313 | $108 |
| Poor Credit | $299 | $101 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
| Discount | Liberty Mutual | USAA |
|---|---|---|
| Anti Theft | 15% | 12% |
| Good Student | 12% | 10% |
| Low Mileage | 20% | 5% |
| Paperless | 10% | 3% |
| Safe Driver | 12% | 15% |
| Senior Driver | 23% | 3% |
Liberty Mutual Auto Insurance
Pros:
- Wide Coverage Options: Liberty Mutual offers a variety of coverage options, allowing policyholders to customize their policies according to specific needs.
- Bundling Discounts: Customers can bundle various types of insurance (life, homeowners, motorcycle) to save money.
- Mobile App: Liberty Mutual provides a user-friendly mobile app for convenient policy management.
Cons:
- High Complaints: The company has a high number of complaints, indicating potential dissatisfaction among customers.
- Rates: Liberty Mutual’s rates are relatively higher compared to USAA.
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USAA Auto Insurance
Pros:
- Competitive Rates: USAA offers lower rates compared to Liberty Mutual, providing cost-effective options.
- High Financial Ratings: USAA boasts high financial ratings (A+ by A.M. Best and S&P, A1 by Moody’s), ensuring financial stability.
- Military Focus: USAA specializes in serving military members and veterans, understanding their unique needs.
Cons:
- Limited Eligibility: Coverage is only available to current and former military members and their families.
- Complaints: Similar to Liberty Mutual, USAA has a relatively high number of complaints.
Best Overall: USAA Auto Insurance
When evaluating Liberty Mutual and USAA based on their rates and offerings, USAA emerges as the superior choice for several reasons.
Competitive Rates: USAA consistently provides lower rates compared to Liberty Mutual, making it a more cost-effective option for policyholders. The affordability of premiums is a significant factor for customers seeking to maximize savings without compromising coverage.
High Financial Ratings: USAA’s impressive financial ratings, including an A+ by A.M. Best and S&P and an A1 by Moody’s, reflect exceptional financial stability. This reassures customers that USAA is well-equipped to fulfill its obligations and provide timely payouts in the event of a claim.
Military Focus: While Liberty Mutual is available to a broader audience, USAA’s specialized focus on serving current and former military members and their families sets it apart. This specialization allows USAA to understand the unique needs and challenges of military personnel, providing tailored and comprehensive coverage.
Limited Complaints: Although both companies have received complaints, USAA’s slightly lower complaint ratio indicates a marginally better customer satisfaction level compared to Liberty Mutual. This positive customer sentiment is crucial in the insurance industry, where trust and service quality are paramount.
When considering rates, financial stability, and a targeted approach to customer service, USAA Auto Insurance stands out as the best overall choice for policyholders, particularly those with military affiliations.
Liberty Mutual vs. USAA Auto Insurance: What are their annual rates?
Comparing affordable Liberty Mutual vs. USAA auto insurance rates will help you find the most cost-effective option. The following chart shows the average annual Liberty Mutual and USAA auto insurance quotes based on age.
| Ages | Liberty Mutual Average Annual Rates | USAA Average Annual Rates |
|---|---|---|
| 20 | $2,686 | $1,438 |
| 30 | $1,942 | $1,438 |
| 40 | $1,926 | $1,189 |
| 50 | $1,793 | $1,160 |
| 60 | $1,746 | $1,065 |
As you can see, USAA offers lower rates than Liberty Mutual, and rates decrease as drivers age.
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Liberty Mutual vs. USAA Auto Insurance: What coverages are available?
Liberty Mutual and USAA offer a variety of auto insurance coverages. Customers can bundle these options to create the policy that best fits their needs.
Coverages offered by Liberty Mutual and USAA include:
- Bodily injury liability
- Property damage liability
- Collision
- Comprehensive
- Medical payments
- Personal injury protection
- Uninsured/underinsured motorist
- Roadside assistance
- Rental car reimbursement
- Rideshare insurance
In addition to the basic coverages, Liberty Mutual also offers teachers’ auto insurance and Mexico auto insurance. Teachers’ auto insurance protects educators should they suffer vandalism or stolen school supplies. Mexico auto insurance protects drivers that cross the border in their vehicle.
Additional auto insurance offered by USAA includes glass coverage and car replacement assistance.
Read More: Best Auto Insurance For Drivers Who Go to Mexico
Liberty Mutual vs. USAA Auto Insurance: What discounts are available?
Most auto insurance companies offer discounts to customers. Comparing USAA vs. Liberty Mutual auto insurance company discounts will help you determine which company provides the most savings.
Discounts offered by Liberty Mutual include:
- Multi-car
- Anti-lock brakes
- Anti-theft
- New car
- Economy car
- College graduate
- Good student
- Married
Discounts offered by USAA auto insurance include:
- Multi-car
- Home and car
- Car and life
- Anti-lock brakes
- Anti-theft
- Good driver
- Good student
- Military
USAA and Liberty Mutual offer more discount opportunities than most competitors.
Liberty Mutual vs. USAA Auto Insurance: What are their financial ratings?
Credit rating agencies review insurance companies and provide ratings based on their financial strength. These financial ratings determine the likelihood that the company will provide a payout when you file a claim.
Liberty Mutual and USAA have been rated by A.M. Best, Moody’s, and Standard and Poor’s (S&P).
Liberty Mutual has been rated an A by A.M. Best and S&P and an A2 by Moody’s. While all three ratings are solid, they aren’t the highest on the scales. USAA insurance has been rated an A+ by A.M. Best and S&P and an A1 by Moody’s. These ratings are among the highest in the industry.
Though USAA has higher ratings than Liberty Mutual, both companies are financially strong enough to provide a payout in most situations.
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Liberty Mutual vs. USAA Auto Insurance: Do they have any complaints?
The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) list customer complaints on their websites. The organizations have received complaints about Liberty Mutual and USAA.
Comparing Liberty Mutual vs. USAA auto insurance complaints will allow you to determine the quality of service each company provides.
At the time of this comparison, the BBB has received 1,040 complaints about Liberty Mutual. The NAIC has given Liberty Mutual a complaint index ratio of 2.23, indicating more complaints than the average competitor.
The BBB has received 1,646 complaints about USAA over the past three years. According to the NAIC, the company has a complaint index ratio of 2.39, similar to Liberty Mutual. While Liberty Mutual and USAA have received more complaints than the average competitor, examining the individual complaints will help you determine if this is cause for concern.
Liberty Mutual vs. USAA Auto Insurance: Do they offer roadside assistance?
Liberty Mutual and USAA both offer roadside assistance to customers. However, the eligibility requirements depend on the company.
Roadside assistance services offered by Liberty Mutual and USAA auto insurance include:
- Towing services
- Tire replacement
- Gas delivery
Liberty Mutual includes roadside assistance coverages with comprehensive and collision coverage. Those without this coverage can purchase the Towing and Labor plan to get access to roadside assistance.
USAA doesn’t include roadside assistance with any auto insurance coverages. Customers can purchase the roadside service separately, but it’s only available to those with existing coverage. This includes flat tire change, vehicle towing, lockout services, battery jump start, and gasoline delivery.
Customers can choose to add the emergency roadside assistance program to their policy when purchasing car insurance coverage or later. There are some additional discounts associated with adding this service, however you’ll need to speak with a representative to get more information.
Policyholders can request roadside assistance by calling the Liberty Mutual insurance phone number at (800) 426-9898 or the USAA roadside assistance number at (800) 531-8555.
Purchasing roadside assistance from USAA will cost $1 to $1.25 per month, but you must have an active policy to buy the emergency plan.
When looking at Liberty Mutual vs. USAA auto insurance quotes, remember that this coverage will impact the total cost.
Liberty Mutual vs. USAA Auto Insurance: Do they have mobile apps?
Liberty Mutual and USAA have mobile apps. Customers can use their USAA or Liberty Mutual login information to access ID cards, view policy details, and make payments. Customers that prefer to pay over the phone can call the Liberty Mutual customer service number at (800) 824-7317 or USAA customer service at (800) 531-8722.
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Liberty Mutual vs. USAA Auto Insurance: A Comprehensive Comparison of Claims Process
Ease of Filing a Claim
Liberty Mutual and USAA provide their customers with multiple convenient ways to file insurance claims. Both offer online claim filing through their respective websites and mobile apps, enabling policyholders to initiate a claim anytime, anywhere. Additionally, claim reporting can be done over the phone, providing a hassle-free alternative for those who prefer speaking directly with a representative.
Average Claim Processing Time
The average claim processing time is a critical factor for customers when choosing an insurance provider. While specific claim processing times may vary based on the nature of the claim and other factors, both Liberty Mutual and USAA are known for their efficient claims handling.
Generally, they strive to process claims promptly to ensure customers receive the necessary assistance and settlements in a timely manner.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback on claim resolutions and payouts plays a significant role in evaluating the performance of an insurance company. Both Liberty Mutual and USAA have received varying feedback from their customers regarding claim resolutions and payouts.
Customers’ experiences can shed light on the effectiveness and satisfaction with the claims process, aiding potential policyholders in making informed decisions.
Liberty Mutual vs. USAA Auto Insurance: Unveiling Digital and Technological Features
Mobile App Features and Functionality
Both Liberty Mutual and USAA offer mobile apps that provide policyholders with a range of features and functionalities. These apps typically allow users to view their policies, access digital insurance ID cards, make payments, track claims, and even request roadside assistance.
The user-friendly interfaces and robust features enhance the overall digital experience for customers, enabling them to manage their insurance needs on the go.
Online Account Management Capabilities
Online account management is a crucial aspect of modern insurance services. Liberty Mutual and USAA offer comprehensive online account management capabilities, allowing policyholders to access and manage their policies, update personal information, view billing details, and track claims.
These online portals provide a centralized platform for customers to efficiently manage their insurance accounts and policies.
Digital Tools and Resources
Both Liberty Mutual and USAA leverage digital tools and resources to enhance customer engagement and provide valuable information. These resources may include educational content, insurance calculators, FAQs, blog articles, and guides.
By offering these digital tools, both companies aim to empower their customers with knowledge and assist them in making informed decisions about their insurance coverage and options.
Liberty Mutual vs. USAA Auto Insurance: The Bottom Line
So, which should you choose when looking to buy Liberty Mutual vs. USAA auto insurance? The answer depends on your personal preferences. USAA has lower rates and higher financial ratings, but Liberty Mutual is available to more customers.
Comparing Liberty Mutual vs. USAA auto insurance will help you determine the right fit for you and your family.
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Frequently Asked Questions
What are the benefits of choosing Liberty Mutual Auto Insurance?
Opting for Liberty Mutual Auto Insurance comes with several benefits. Firstly, they offer a wide range of coverage options, allowing you to customize your policy according to your specific needs. Secondly, Liberty Mutual has a strong financial stability, ensuring that they can fulfill their obligations in case of a claim.
What advantages does USAA Auto Insurance offer?
USAA Auto Insurance offers numerous advantages to its policyholders. One significant advantage is their focus on serving military members and veterans, understanding their unique needs and challenges. They provide exceptional customer service and have a solid reputation for handling claims efficiently.
Are Liberty Mutual and USAA known for their customer service?
Yes, both Liberty Mutual and USAA are recognized for their commitment to customer service. Liberty Mutual has a dedicated customer support team that strives to assist policyholders promptly and efficiently. They offer multiple channels for customer communication, including phone, email, and online chat. Similarly, USAA is renowned for its outstanding customer service, consistently receiving high ratings in customer satisfaction surveys.
Can I access my auto insurance policy online with Liberty Mutual and USAA?
Absolutely! Both Liberty Mutual and USAA provide online platforms that allow policyholders to manage their auto insurance policies conveniently. You can access your policy documents, make payments, file claims, and even request policy changes through their respective online portals. These user-friendly interfaces make it easier for customers to handle their insurance needs at their own convenience.
Do Liberty Mutual and USAA offer additional coverage options?
Yes, both Liberty Mutual and USAA offer additional coverage options to enhance your auto insurance policy. Liberty Mutual provides options like accident forgiveness, new car replacement, rental car reimbursement, and better car replacement coverage. USAA offers similar additional coverage options, including roadside assistance, rental reimbursement, extended vehicle protection, and even coverage for classic cars.
Can I bundle my auto insurance with other policies with Liberty Mutual and USAA?
Yes, both Liberty Mutual and USAA offer the option to bundle your auto insurance with other insurance policies, such as homeowners or renters insurance. By bundling your policies, you can often enjoy discounts and save money on your overall insurance costs. This convenience allows you to have multiple types of coverage under one provider, simplifying your insurance management.
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Diego Anderson
Licensed Real Estate Agent
Diego Anderson is a Real Estate Agent based in the Bay Area of California. Having received his Real Estate License at the age of 18, he wasted no time learning the ins and outs of the industry. With a focus on residential dual agency, he has a passion for supporting and educating families on their home buying and selling decisions. He is no stranger to new builds and new developments. He also r...
Licensed Real Estate Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.