Liberty Mutual and The Hartford are top auto insurance companies that offer cheap car insurance rates, but which company is better depends on your driver profile and coverage needs. Liberty Mutual is the sixth-largest company by market share. The Hartford is smaller by comparison, offers low rates, and comes with high levels of customer satisfaction.1
Before deciding which company to get your policy from, compare their discounts and car insurance quotes, and look at customer service reviews and complaints. Here’s what you need to know about Liberty Mutual versus The Hartford to help you choose the better auto insurer for your needs.
Liberty Mutual is better than The Hartford for basic liability coverage, discounts, and unique coverage types and is also a larger insurance company, taking up more market share in the car insurance industry.
The Hartford offers more competitive rates for full-coverage car insurance and may have lower rates based on certain factors. For example, The Hartford has cheaper car insurance for senior drivers, according to Insurify data.
But the main drawback is eligibility, as The Hartford is available only for AARP members 50 and older. That excludes a significant number of drivers, so Liberty Mutual may be the best option to look into.
Liberty Mutual is a large insurance company with a financial strength rating of A (Excellent) from AM Best. The company has a long history of offering a diverse array of coverage types, including unique insurance coverages for teachers.
The Hartford is another national car insurance company and has the highest customer satisfaction ranking in the Northwest region in J.D. Power’s 2023 U.S. Auto Insurance Study. And it offers auto insurance policies exclusively to AARP members ages 50 and older.2
Liberty Mutual RightTrack and The Hartford TrueLane are telematics programs that can assess a driver’s behavior and safety on the road.
Through the Liberty Mutual RightTrack program, enrolled drivers can get an initial discount of 10%. After you download it, the mobile app tracks your driving behaviors for 90 days. So every day you drive can affect your rate.
Once that period is complete, Liberty Mutual applies a discount of up to 30% to your auto insurance policy.
The Hartford’s TrueLane is also a mobile app that can help you get lower premiums. The app tracks your driving habits and provides tips for you to improve your safe driving skills. In addition, customers get a 12% discount upon enrollment and, based on driving behaviors, can get a discount of up to 25% at policy renewal.
Which insurance company has the cheapest rates depends on the type of insurance policy you need. If you want to stick to the basics and get the state-required liability insurance, Liberty Mutual may have the cheaper rates. But if you want cheap full coverage and qualify for AARP membership, The Hartford may be the better option.
Rates can also vary between these two car insurance companies based on your personal factors like vehicle, location, credit history, and age. Here’s how Liberty Mutual’s and The Hartford’s average rates compare.
Drivers who don’t file claims or have moving violations on their records pay the lowest rates for car insurance. Between these two companies, Liberty Mutual wins out for the most affordable average rates for liability coverage.
A speeding ticket on your record increases your car insurance premiums because it signals a higher risk to car insurance companies.3 Finding affordable coverage after a speeding ticket takes some work, but Liberty Mutual is cheaper than The Hartford for drivers with a speeding ticket.
Car insurance for teens and young drivers can be costly compared to other age groups because they have less experience behind the wheel. When comparing Liberty Mutual versus The Hartford, young drivers can find cheaper rates with Liberty Mutual.
As drivers age, their car insurance rates decrease as long as they have a clean driving record. As a car insurance company that caters specifically to AARP members 50 years and older, The Hartford has cheaper rates for senior drivers than Liberty Mutual.
Drivers with bad credit pay more for car insurance because insurance companies believe they’re at a higher risk of filing a claim. Some states prohibit companies from using credit-based insurance scores, but most don’t.4 Liberty Mutual is cheaper than The Hartford for drivers with poor credit.
Liberty Mutual and The Hartford offer similar types of coverage. Both car insurance companies offer state-minimum coverages, including liability coverage, personal injury protection (PIP), and uninsured/underinsured motorist coverage. Plus, you can add collision and comprehensive coverages to your policy.
The Hartford stands out because it offers full glass coverage as an option, while Liberty Mutual doesn’t. Instead, Liberty Mutual’s selling point is its original parts replacement coverage, which The Hartford doesn’t offer.
Below are optional car insurance coverage types that you can consider adding to your policy with Liberty Mutual and The Hartford.
Liberty Mutual has an abundance of car insurance discounts available for drivers. With discounts for owning a home, being a good student, having a clean driving record, and setting up automatic payments, drivers can save in numerous ways every year.
So even if The Hartford has more competitive rates for full-coverage car insurance, you may qualify for additional savings with Liberty Mutual.
Here are the car insurance discounts Liberty Mutual and The Hartford offer for you to compare your potential savings options.
If you’re considering Liberty Mutual versus The Hartford, here’s some additional information to help you make a decision.
It depends. The Hartford insurance can be a better option for senior drivers because you need to be an AARP member and 50 or older. But Liberty Mutual has more discounts and is available regardless of driver age or AARP membership status.
Many national car insurance companies compete with Liberty Mutual, including State Farm, GEICO, Travelers, and Farmers.
The Hartford has high customer service ratings and can be a good insurance company with competitive rates. But you must be an AARP member 50 or older to qualify for The Hartford’s car insurance.
Liberty Mutual and The Hartford both offer similar insurance coverages, like liability, collision, and comprehensive coverage. But Liberty Mutual has some more coverage options, like original parts replacement, new-car replacement, and teachers’ auto insurance coverage.
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