Compare Liberty Mutual vs. 21st Century Insurance

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Liberty Mutual and 21st Century are a couple of the biggest companies in the auto insurance world. Liberty Mutual was founded in 1912, and 21st Century was founded in 1958. 21st Century may have great customer service, but has been known to raise premiums by excessive amounts. Liberty Mutual was rated #8 auto insurer in 2016.

Additionally, Liberty Mutual has strong online tools and competitive rates, but lacks mechanical breakdown coverage. Nevertheless, both companies have an impressive amount of discounts to offer and excellent financial strength 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

  Liberty Mutual 21st Century
Best If Liberty Mutual
  • You want better car replacement after an accident and strong online tools
21st Century
  • You want good customer service
Worst If Liberty Mutual
  • You want breakdown coverage or 24-hour customer support
21st Century
  • You want affordable premiums; 21st Century has been known for increasing people’s premiums by incredible amounts

Special Car Insurance Discounts

Liberty Mutual 21st Century
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.

21st Century

Standard Car Insurance Discounts

Bundling Coverage Discounts Liberty Mutual 21st Century
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Liberty Mutual 21st Century
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 Liberty Mutual 21st Century
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Liberty Mutual 21st Century
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Liberty Mutual 21st Century
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Liberty Mutual 21st Century
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Liberty Mutual Car Insurance 21st Century Insurance
2016 160 4
2015 267 2
2014 235 9
2013 187 3

U.S. Auto Insurance Shopping Study (2016)

Liberty Mutual Car Insurance 21st Century Insurance
Overall Purchase Experience Among the best Below average
Policy Offerings Among the best Below average
Pricing Above average Below average
Local Agent Among the best Below average
Call Center Representative Above average Below average
Insurer Website Average Among the best

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

Liberty Mutual Car Insurance 21st Century Insurance
Overall Satisfaction Average Average
First Notice of Loss Average Below average
Service Interaction Average Average
Appraisal Average Average
Repair Process Average Below average
Rental Car Experience Average Average
Settlement Average Average

Financial Strength Ratings

Liberty Mutual Car Insurance 21st Century Insurance
A.M. Best A A
Moody's A2 --
S&P's A A+

Mobile Apps

Liberty Mutual 21st Century
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.

21st Century

The 21st  iPhone app lets you view and pay insurance bills as well as have 24/7 access to your policy information and insurance ID cards. You can also report a claim, document details through the app, and contact roadside assistance. Download the app for iPhone here

Roadside Assistance

Liberty Mutual 21st Century
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.

21st Century

21st Roadside Assistance

As a policy holder at 21st Century you are automatically enrolled in the roadside assistance program. At no additional cost or no additional coverage on your policy, 21st Century gives policy holder access to 24-hour roadside service.

21st Century roadside assistance applies to labor only. That is the cost of a roadside technician to service your vehicle and towing to the nearest repair facility. The cost of parts such as tires, batteries, belts and gasoline are not covered.

Roadside Services Covered

  • Towing
  • Jump start
  • Flat tire change
  • Gas delivery
  • Locksmith services

Contact Phone Number

The 21st Century Roadside Assistance Hotline: 1 (888) 244-6163.