Liberty Mutual vs. Travelers Car Insurance [2021]

Our Travelers vs. Liberty Mutual car insurance guide will help you decide between two great companies when comparing rates by age, driving record, and credit score. Travelers has better rates overall, but Liberty Mutual's wide variety of discounts may offset their higher rates. Which company is best for you? Continue reading to make your choice.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Feb 10, 2021

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Here's what you need to know

  • Travelers has better rates for teen drivers.
  • Travelers has better rates for those with a bad driving record.
  • If you credit score drops considerably while insured with Liberty Mutual, expect your rates to more than double.
  • Liberty Mutual has a wider variety of discounts.
  • Travelers has a much lower customer complaint ratio.

In our Travelers vs. Liberty Mutual car insurance guide, we examine rates by your specific demographics: age, gender, marital status, driving record, and credit score.

We also compare discounts offered by both companies and ratings from credible agencies that rate all of the best car insurance companies.

Keep reading to compare Travelers vs. Liberty Mutual auto insurance, or enter your ZIP code to start comparing multiple companies in your local area.

Is Travelers car insurance or Liberty Mutual car insurance cheaper based on age?

The more we drive in a variety of situations and the longer we drive, the safer and more aware we become when behind the wheel. For this reason, car insurance companies use age as one of the most influential factors in quoting your car insurance rates.

In most states, it’s legal to base car insurance rates on marital status and gender; however, some have banned it. Let’s compare Travelers auto insurance rates and Liberty Mutual auto insurance rates based on age, gender, and marital status.

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Travelers’ rates for teen drivers are 7 to 25 percent cheaper than Liberty Mutual. Additionally, Travelers’ rates for 25 and older are an average of 74 percent cheaper than Liberty Mutual.

If you have young drivers in your family, specifically under 25, expect to get much better rates with Travelers.

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Is Travelers car insurance or Liberty Mutual car insurance cheaper based on driving record?

Speeding tickets, accidents, or DUIs on your driving record will raise your car insurance rates no matter what company you pick because you become a higher risk driver.

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Overall, Travelers has cheaper rates for drivers with a bad driving record than Liberty Mutual.

If you get a speeding ticket or you are in an accident while with Travelers, expect your rate to increase only 24 percent from having a clean driving record.

Alternatively, if you get a speeding ticket while with Liberty Mutual, expect your rate to increase by 19 percent. But, if you cause an accident while with Liberty Mutual, your rate will increase by 30 percent from having a clean driving record.

If you have a DUI on your record, your rates will be cheaper, initially, with Travelers.

However, if choose Travelers and you get a DUI, your rate would increase by 67 percent as compared to an increase of 59 percent with Liberty Mutual.

Is Travelers car insurance or Liberty Mutual car insurance cheaper based on credit score?

If you experience some type of financial trauma such as medical debt or going through a divorce, a good credit score can drop in a matter of months.

In most states it’s legal for car insurance companies to factor in your credit score when determining your rates; however, some are banning this along with factoring in gender and marital status.

Based on the assumption that those with higher credit scores are more responsible and overall safer drivers less likely to file a claim, car insurance companies justify using your credit score to determine your rates.

Let’s take a look at how Travelers and Liberty Mutual address rates for drivers with varying credit scores.

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Travelers has cheaper car insurance rates than Liberty Mutual for those with good, fair, or poor credit. And their rates don’t increase as much if your credit score drops while with Travelers.

If choose Liberty Mutual, and your credit score gets worse while with them, expect your rates to more than double.

Before you choose Travelers or Liberty Mutual based on credit score, read about car insurance laws in your state and examine rates from a variety of companies by reading your state car insurance guide

It may be that basing car insurance rates on gender, marital status, and/or credit score has been outlawed in your state.

Does Travelers or Liberty Mutual have better car insurance discounts?

A car insurance company often determines discounts based on their philosophy and values. Therefore, if you have a bad driving record or low credit score, getting good discounts will offset your high rates.

Let’s compare all of the discounts offered by both Travelers and Liberty Mutual.

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Liberty Mutual has a wider variety of discounts (29) than Travelers does (17).

Both Travelers and Liberty Mutual offer a 40 percent discount for using their driving app or driving device.

Other discounts with Travelers that are pretty good range from 15 to 23 percent off. Those are for having continuous coverage, making on-time payments, being claim-free, and being a safe driver.

But, if you don’t prefer to use a driving app, you can still save between 20 and 35 percent with Liberty Mutual if you have multiple policies, have an anti-theft or vehicle recovery system, or if you are a good student.

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Does Travelers or Liberty Mutual have better car insurance mobile apps?

Usage-based car insurance has become a hot trend in the car insurance industry in the last decade or so, and all of the larger car insurance companies have a driving app that uses your mobile phone or a device installed into your vehicle.

Large car insurance companies also provide a more general app to enable you to pay your bill, make changes to your coverage levels, and use it for electronic verification of insurance in states that permit it.

Read about Travelers’ IntelliDrive and Liberty Mutual’s RightTrack usage-based car insurance apps in our Travelers company review and our Liberty Mutual company review.

How does Travelers and Liberty Mutual car insurance compare in financial strength and customer satisfaction?

Purchasing car insurance is an important financial responsibility, so you want to make sure you’re selecting the appropriate company that will be there for you when you need it most.

A company’s financial strength, customer satisfaction with the claims process, and customer complaints should be reviewed prior to making your decision.

The following three agencies provide insight into these factors:

A.M. Best scores companies based on their ability to meet their ongoing insurance obligations such as balancing premiums collected and claims paid. The highest score A.M. Best awards is Superior A++.

Consumer Reports collects annual data from its subscribers regarding customer satisfaction of the claims process, step by step. In their 2017 survey, 27 insurance companies were rated, and scores ranged between 86 to 96.

And the National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on total number of customers against total number of complaints. In 2017, the national average complaint ratio was 1. The lower the ratio, the better.

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Unfortunately, A.M. Best does not provide a financial strength rating for Travelers, but Liberty Mutual comes in pretty strong.

Customer satisfaction through the claims process is strong for both, but Travelers is slightly better.

However, Travelers has a much smaller customer complaint ratio. Before eliminating Liberty Mutual for their complaint ratio, be sure to find more details on the NAIC website.

When you’re unsure which company to choose, you can always use our FREE comparison tool to compare Travelers vs. Liberty Mutual car insurance to other companies in your area.

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