Compare Liberty Mutual vs. 21st Century Insurance

Liberty Mutual and 21st Century are a couple of the biggest companies in the auto insurance world. 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 discounts, services, and 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 large amounts

Compare Insurance Prices

Comparing quotes is the best way to get the lowest rates from top insurers like Liberty Mutual and 21st Century. QuoteWizard is an independent company that helps you find the right policy at the best rate.

Find The Best Rates For Your Policy

Compare Quotes

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. This helps make managing your auto insurance as stress-free as possible.

Exclusive Group Savings

Liberty Mutual has partnerships with more than 14,000 groups. 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 Auto Insurance 21st Century Car Insurance
2016 160 4
2015 267 2
2014 235 9
2013 187 3

U.S. Auto Insurance Shopping Study (2016)

Liberty Mutual Auto Insurance 21st Century Car 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 Auto Insurance 21st Century Car 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 Auto Insurance 21st Century Car 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. 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 hi-res 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 in the event of theft or damage to your home.

Click here for more information and to download any of the Liberty Mutual mobile apps.

21st Century

The 21st  iPhone app

This mobile app lets you view and pay insurance bills. You also get 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 21st  iPhone app 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'll be towed to the Nearest Qualified repair shop
  • Jumpstart a dead battery - So you can get where you want to go
  • Deliver fuel - We'll get you enough gas to reach the nearest service station
  • Change a flat tire
  • 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. Click here to go to the Liberty Mutual Roadside Assistance website.

21st Century

21st Roadside Assistance

As a policy holder at 21st Century you are automatically enrolled in the roadside assistance program. 21st Century gives policy holder access to 24-hour roadside service for no extra cost.

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 shop. 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

Hotline: 1 (888) 244-6163.