Liberty Mutual and Travelers are two of the most popular car insurance companies for U.S. drivers, and both insurers offer low prices and a variety of coverages and discounts. Travelers received a higher financial strength rating of A++ (Superior) from AM Best, while Liberty Mutual ranked higher for customer satisfaction in the J.D. Power 2023 U.S. Insurance Shopping Study.1

It’s important to compare different rates, customer service, and available discounts when you’re researching insurance products to find the best deal. Here’s what you need to know about deciding on the best car insurance option for you.

Liberty Mutual vs. Travelers: The verdict

Travelers car insurance is the better option for many drivers because of coverage offerings and strong customer satisfaction, as demonstrated in a below-average number of customer complaints filed with the National Association of Insurance Commissioners for a company of its size. But Liberty Mutual car insurance is still a solid option, thanks to lower full-coverage auto insurance rates and discounts.

Both companies offer similar types of coverage and operate nationwide.

Liberty Mutual

Based in Boston, Liberty Mutual is the sixth-largest U.S. private passenger auto insurer by market share.2 The company provides a wide variety of coverage options, including vanishing deductible and gap insurance. It earned an A (Excellent) financial strength rating from AM Best.

Travelers

In business for more than 165 years, Travelers is one of the oldest insurance companies selling car insurance. Travelers offers policyholders a range of discounts, including rewards for customer loyalty, driving a new car, and taking a defensive driving course. The company earned an A++ (Superior) financial strength rating from AM Best.

Liberty Mutual RightTrack vs. Travelers IntelliDrive

When you sign up for Liberty Mutual RightTrack, you’ll automatically earn a 10% discount. After you sign up, you’ll download the RightTrack mobile app and track your driving for 90 days. Once you’ve completed the program, Liberty Mutual will determine your final score and potentially apply an additional discount to your insurance policy.

IntelliDrive from Travelers also rewards safe driving and could earn you a discount of up to 30%. While you’re driving, the mobile app measures your speed, acceleration, and braking. It also tracks the time of day when you drive. The app will collect your driving information for 90 days and use it to determine the type of discount you qualify for.

Liberty Mutual vs. Travelers: Which is the cheapest?

The companies have similar average car insurance rates for U.S. drivers. However, Travelers has cheaper average liability coverage, at $98 per month. Liberty Mutual is the cheaper insurer for full-coverage insurance, with a monthly average of $234.

The amount you’ll pay depends on various factors, including your ZIP code, age, credit history, driving record, and marital status.

Travelers: Cheapest for drivers with a clean driving record

Good drivers pay the lowest rates for auto insurance compared to people with a history of speeding tickets or accidents. Travelers is the cheapest liability insurance option for people with a good driving history.

Travelers: Cheapest for drivers with a speeding ticket

You can expect to see your insurance rates increase after even one speeding ticket since your insurer will view you as a higher-risk driver than someone with a clean driving record. The amount your rates increase will depend on the severity of the ticket and your insurer.

Compare average liability auto insurance quotes from Travelers and Liberty Mutual below.

Travelers: Cheapest for teen drivers

Your age is one of the most important factors insurance companies use to determine what you pay for auto insurance. Teens and other young drivers always pay the highest rates due to their lack of experience behind the wheel.

You can find average quotes from Liberty Mutual and Travelers in the following table.

Travelers: Cheapest for drivers with bad credit

Most states allow insurance companies to consider your credit history when evaluating you for car insurance. Data has shown that drivers with poor credit are more likely to file an insurance claim, so people with poor credit typically pay higher car insurance rates.

Compare average liability quotes below.

Travelers: Cheapest for senior drivers

Seniors often pay slightly higher car insurance rates than middle-aged drivers due to aging-related risk factors. Middle-aged drivers benefit from lower rates.

Here are the average quotes for senior drivers in the U.S. from Liberty Mutual and Travelers.

Compare coverages: Liberty Mutual vs. Travelers

Liberty Mutual and Travelers both provide standard coverage options, including bodily injury and property damage liability, uninsured/underinsured motorist, personal injury protection (PIP), medical payments, collision, and comprehensive coverage. Both companies offer gap insurance and accident forgiveness, making each one a good option for drivers after an accident.

Liberty Mutual offers a few additional services, including a deductible fund that decreases your deductible by $100 every year you go without filing a claim. Compare coverage options below.

Compare discounts: Liberty Mutual vs. Travelers

Auto insurance companies offer discounts to drivers who meet different criteria, like purchasing multiple insurance policies with the same company. Discounts are one of the best ways you can save money on car insurance.

While Liberty Mutual and Travelers offer similar discounts, they vary slightly. Unlike Liberty Mutual, Travelers has discounts that reward drivers for taking a defensive driving course and buying a new car. Liberty Mutual offers a discount to military members, which Travelers doesn’t offer.

The following table outlines the discounts both insurance companies offer.

Liberty Mutual vs. Travelers FAQs