Compare Erie vs. Liberty Mutual Insurance

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Erie and Liberty Mutual are two top-rated companies in the world of insurance. Erie was founded in 1925, and Liberty Mutual was founded in 1912. Both companies received J.D. Power awards in 2016 for offering the best customer service and purchase experience in the auto insurance industry. Individually, they are also fantastic companies: Erie has excellent customer service, and Liberty Mutual is well-liked for its car replacement services and competitive rates. However, Liberty Mutual lacks 24/7 customer support, and Erie’s premiums are slightly higher. Still, both companies are financially strong and have good overall ratings. So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  Erie Liberty Mutual
Best If Erie
  • You want excellent customer service
Liberty Mutual
  • You want better car replacement after an accident and strong online tools
Worst If Erie
  • You want more affordable insurance premiums
Liberty Mutual
  • You want breakdown coverage or 24-hour customer support

Special Car Insurance Discounts

Erie Liberty Mutual
Erie

Other Discounts:

  • Safe Driving Course Discount
  • Driver Training Discount
  • Accident Prevention Course Discount
Liberty Mutual

Bundle & Save
When you combine policies with Liberty Mutual, you can receive special discounts for bundling and thus save more money.

Multi-Car Discount
The discount does just as it says. For customers who have multiple cars on one policy, Liberty Mutual aims to provide the best value so that managing your auto insurance is as stress-free as possible.

Exclusive Group Savings
Liberty Mutual has partnerships with more than 14,000 organizations. Being a member of any one of them could make you eligible for a discount with the insurance company.

Standard Car Insurance Discounts

Bundling Coverage Discounts Erie Liberty Mutual
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Erie Liberty Mutual
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History Erie Liberty Mutual
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Erie Liberty Mutual
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Erie Liberty Mutual
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Erie Liberty Mutual
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Erie Car Insurance Liberty Mutual Car Insurance
2016 43 160
2015 40 267
2014 35 235
2013 19 187

U.S. Auto Insurance Shopping Study (2016)

Erie Car Insurance Liberty Mutual Car Insurance
Overall Purchase Experience Among the best Among the best
Policy Offerings Above average Among the best
Pricing Among the best Above average
Local Agent Above average Among the best
Call Center Representative -- Above average
Insurer Website -- Average

U.S. Auto Insurance Claims Satisfaction Study (2015)

Erie Car Insurance Liberty Mutual Car Insurance
Overall Satisfaction Average Average
First Notice of Loss Average Average
Service Interaction Above average Average
Appraisal Average Average
Repair Process Among the best Average
Rental Car Experience Average Average
Settlement Average Average

Financial Strength Ratings

Erie Car Insurance Liberty Mutual Car Insurance
A.M. Best A+ A
Moody's -- A2
S&P's A A

Mobile Apps

Erie Liberty Mutual
Erie

eSSENTIAL Accessibility App is a free mobile app for you to use to navigate Erie Insurance’s website from your mobile device. It’s specifically geared for those with physical disabilities who have trouble navigating with a mouse. The app has keyboard and mouse replacement options and aims to empower the disabled community. To read more and download the app, click here. 

Liberty Mutual

Liberty Mutual has a quite a few mobile apps to choose from for managing your car insurance.

The Liberty Mutual Mobile App includes all the features and services of the company’s website in the palm of your hand. You can use it to pay bills, view policy details, change your coverage, and more. You can also use it to record details of your incident and get your claim process started.

The Liberty Mutual CarZen App is mainly geared for Apple devices, and is a powerful tool for car shopping. Use it to research any type of car, see its details with high-resolution photos and read thorough reviews. CarZen makes car shopping simple and hassle-free.

The Home Gallery App allows you to log all your personal items into one mobile database. You’ll have a complete home inventory you can access on hand should you ever experience theft or damage to your home.

For more information and to download any of these apps, click here.

Roadside Assistance

Erie Liberty Mutual
Erie

Erie Emergency Road Service

Emergency Road Service coverage is offered as part of your existing car insurance policy. Road Service covers labor costs thru their nationwide roadside assistance partner Agero.

Service Covered

  • Towing
  • Flat tire
  • Battery service
  • Gas delivery

Contact Phone Number

Erie Emergency Road Service Hotline: (800) 367-3743

Liberty Mutual

Liberty Mutual 24-Hour Roadside Assistance

Towing & Labor coverage on the policy. Collision/comprehensive covers this first but Towing & Labor kicks in if driver doesn’t have collision/comprehensive coverage

Roadside Services covered

  • Towing - You will be towed to the Nearest Qualified repair Facility
  • Jumpstart a dead battery - So you can get where you want to go
  • Deliver emergency fue - We'll get you enough gas to reach the nearest service station
  • Change a flat time and install the spare
  • Unlocking vehicle doors - If you're locked out of your car, we'll get it unlocked

Contact Phone Number

Liberty Mutual’s Emergency Roadside Assistance is available through its mobile app, or by calling 1 (800) 426-9898. The company’s roadside assistance website is here.