Compare Liberty Mutual vs. MetLife Insurance

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Two well-known names in the insurance world are Liberty Mutual and MetLife. MetLife was founded in 1863 and Liberty Mutual was founded in 1912. Liberty Mutual is well liked because they provide car replacements after an accident, while MetLife is liked because of their helpful and knowledgeable representatives.

One thing to keep in mind is that MetLife lacks a variety of driver discounts, and Liberty Mutual lacks breakdown coverage and 24-hour customer support. Still, both companies have 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 MetLife
Best If Liberty Mutual
  • You want better car replacement after an accident and strong online tools
MetLife
  • You want helpful, knowledgeable representatives
Worst If Liberty Mutual
  • You want breakdown coverage or 24-hour customer support
MetLife
  • You want a smooth follow-through with your agent/policy

Special Car Insurance Discounts

Liberty Mutual MetLife
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.

MetLife

The Deductible Savings Benefit can save you $50 for every year you don’t file an insurance claim. If you have a covered loss, you can also earn up to $250 and use that towards your insurance deductible.

The 12% Superior Driver Discount or 20% MetRewards discount has two options. You can either earn up to 12 percent if you and all the other drivers in your home have excellent driving records, or up to 20 percent through the MetRewards program. You’re eligible for the 20 percent option if you are claim and violation-free for five years.

Standard Car Insurance Discounts

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

Consumer Complaint Data

Liberty Mutual Car Insurance MetLife Insurance
2016 160 181
2015 267 333
2014 235 305
2013 187 323

U.S. Auto Insurance Shopping Study (2016)

Liberty Mutual Car Insurance MetLife 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 --

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

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

Financial Strength Ratings

Liberty Mutual Car Insurance MetLife Insurance
A.M. Best A A+
Moody's A2 Aa3
S&P's A A+

Mobile Apps

Liberty Mutual MetLife
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.

MetLife

MetLife US App lets you securely access your account in order to report auto accidents, pay premiums, and submit any insurance claims you may have. The app has two unique features: one lets you find a dentist in your area and the the other provides access to vision providers near you.

To download the app for iPhone, click here. To download the app for Android, click here.

Roadside Assistance

Liberty Mutual MetLife
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.

MetLife

Contact Phone Number

For roadside assistance, call our hotline: 1-800-854-6011.