Compare Liberty Mutual Insurance vs. Esurance

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Liberty Mutual and Esurance are both well-known insurance companies across the nation. Liberty Mutual was founded in 1912, and Esurance was found at the end of the century in 1999. Liberty Mutual ranked two spots higher than Esurance on the Top Ten Auto Insurers of 2015” list on TopTenReviews.com. However, Esurance offers far more discounts than Liberty Mutual since it is a subsidiary of Allstate.

Both companies have high financial strength scores and J.D. Power ratings, as well as roadside service plans that are accessed once you purchase towing and labor coverage. 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 Esurance
Best If Liberty Mutual
  • You want better car replacement after an accident and strong online tools
Esurance
  • You want low rates, straightforward prices, and strong online tools
Worst If Liberty Mutual
  • You want breakdown coverage or 24-hour customer support
Esurance
  • You want excellent roadside assistance

Special Car Insurance Discounts

Liberty Mutual Esurance
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.

Esurance

There are a few discounts unique to Esurance that stand out. We’ll provide you with more information on these discounts below.

Fast 5 Discount gives you 5 percent off of your first-term premium for auto insurance. All you have to do to get this discount is start a quote online at esurance.com.

Paid-in-Full Discount saves you 10 percent off your premium if you choose to pay the full amount as opposed to in monthly increments.

Switch & Save Discount saves you up to 5 percent off your premium and is available for the first two policy terms. You can obtain this discount simply by switching to Esurance from your current insurance company.

Emergency Road Assistance Discount is available when you buy emergency road assistance from a different provider, such as AAA. This discount can save you up to 5 percent on your premium.

Pac-12 Discount is only available to those who have attended or are an alum of the Pac-12 schools. Find out more about this unique discount here.

Standard Car Insurance Discounts

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

Consumer Complaint Data

Liberty Mutual Car Insurance Esurance
2016 160 48
2015 267 67
2014 235 47
2013 187 43

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

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

Mobile Apps

Liberty Mutual Esurance
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.

Esurance

The Esurance Mobile app lets you take care of your insurance anytime and anywhere. View your insurance ID cards, track the status of any claims you made, file a claim, and pay your premiums directly from your mobile device. Esurance Mobile makes managing your insurance fast, smart, and easy. To download the app for iPhone or Android, click here.

Roadside Assistance

Liberty Mutual Esurance
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.

Esurance

Esurance Emergency Road Service coverage

Esurance offers free roadside assistance 24/7. The company pays up to $75 per incident toward:

  • Towing
  • Tire changes
  • Gas, oil, and water delivery
  • Battery services
  • Lockout service

Roadside assistance is free if you select comprehensive and collision coverage for a vehicle on your insurance policy.

Emergency Road Service offers free rescue tracker that uses your smartphone to give the service provider your exact location and give you updates on their ETA.

Emergency Road Service is only eligible for Esurance covered vehicles.

Roadside Assistance Phone: 1 (888) 374-6472