Compare Liberty Mutual vs. National General Insurance

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Which Company Will Save You the Most Money?

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Liberty Mutual and National General are two top-rated companies in the insurance industry. Liberty Mutual was founded first in 1912, National General was founded later in 1920. Liberty Mutual is better if you’re looking for a good car replacement program and lower rates, and National General is better if you’re affiliated with the General Motors Club and looking for easy online payments.

However, National General may raise your rates without notice and charge hidden fees, whereas Liberty Mutual lacks 24-hour customer support. Nonetheless, Liberty Mutual and National General have an A+ rating from the Better Business Bureau 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 National General
Best If Liberty Mutual
  • You want better car replacement after an accident and strong online tools
National General
  • You’re affiliated with General Motors Club
Worst If Liberty Mutual
  • You want breakdown coverage or 24-hour customer support
National General
  • You want a swift and smooth claims process

Special Car Insurance Discounts

Liberty Mutual National General
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.

National General

National General refers to its array of discounts as SmartDiscounts, presumably because they are smart and simple ways to save money off your auto insurance policies.

According to the company’s website, customers who switch to National General save an average of $442 a year, and that’s before applying SmartDiscounts to your policy!

  • GM/GMAC Customer Discounts
  • Paid-in-Full Discount
  • Multi-Vehicle Discount
  • GM Loyalty Discount
  • Safe-Driver Discounts
  • RVs and Autos on One Convenient Policy
  • Motorcycle Discounts
  • OnStar Subscriber Discount
  • Low Mileage Discount
  • GM Family First Discounts
  • Affinity Discounts
  • GM Supplier Discount

Standard Car Insurance Discounts

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

Consumer Complaint Data

Liberty Mutual Car Insurance National General Insurance
2016 160 69
2015 267 74
2014 235 50
2013 187 30

U.S. Auto Insurance Shopping Study (2016)

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

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

Liberty Mutual Car Insurance National General Insurance
Overall Satisfaction Average
First Notice of Loss Average
Service Interaction Average
Appraisal Average
Repair Process Average
Rental Car Experience Average
Settlement Average

Financial Strength Ratings

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

Mobile Apps

Liberty Mutual National General
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.

National General

National General Insurance’s Claims App is fairly unique in that it actually puts you in contact with a National General claims service consultant. In addition, you can use the app to submit a claim online or request a towing service. To learn more about and download the app, click here

Roadside Assistance

Liberty Mutual National General
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.

National General

National General Motor Club Roadside Assistance

The National General Motor Club gives those insured by National General a membership plan for three levels of roadside assistance coverage. The Motor Club, similar to other full suite roadside assistance memberships gives you travel discounts on restaurants, hotels, car rental and more. Coverage extends to all family members in any vehicle you're driving

Motor Club Basic

Cost per year: Single - $59. Couple - $69.

  • Towing up to 5 miles
  • Jump start
  • Flat tire
  • Gas delivery
  • Winching
  • Lockout service
  • Locksmith service
    • Lock replacement up to $60
    • Key replacement up to $25
  • Dispatch Guarantee: Up to $120

Motor Club Standard

Cost per year: Single - $79. Couple - $94. Each Dependent - $15.

  • Towing up to 20 miles
  • Jump start
  • Flat tire
  • Gas delivery
  • Winching
  • Lockout service
  • Locksmith service
    • Lock replacement up to $60
    • Key replacement up to $25
  • Dispatch Guarantee: Up to $150

Motor Club Elite

Cost per year: Single - $89. Couple - $99. Family - $119.

  • Towing up to 100 miles
  • Jump start
  • Flat tire
  • Gas delivery
  • Winching
  • Lockout service
  • Locksmith service
    • Lock replacement up to $90
    • Key replacement up to $25
  • Dispatch Guarantee: Up to $260

Contact Phone Numbers

Roadside Assistance Hotline 888-310-4173

Customer Service 888-310-4173

Trip Routing 888-310-4173

By signing up for the GM Motor Club (now referred to as “National General Motor Club”), you’ll get access to roadside assistance benefits. The GM Motor Club offers 24/7 roadside assistance and no hidden fees.