Compare Liberty Mutual vs. Nationwide Insurance

Liberty Mutual and Nationwide are both big names in the world of insurance. Liberty Mutual was rated the #8 auto insurer for 2015, with Nationwide up ahead at #2. Both companies have extensive roadside assistance programs, but Nationwide’s is only available in select states.

Their financial strength and J.D. Power ratings are comparably strong, and Liberty Mutual is known for having high customer satisfaction reviews and ratings. While Nationwide needs to improve its online tools, Liberty Mutual needs to develop 24-hour customer support.

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 Nationwide
Best If Liberty Mutual
  • You want better car replacement after an accident and strong online tools
Nationwide
  • You want a fast and fair claims process
Worst If Liberty Mutual
  • You want breakdown coverage or 24-hour customer support
Nationwide
  • You want strong online or mobile services

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

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Special Car Insurance Discounts

Liberty Mutual Nationwide
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.

Nationwide

Paperless Documents
Nationwide has a unique discount that saves customers money and saves the company (and the planet) paper. Going paperless simply means sending all the bills, or documents you’d otherwise receive in the mail over to e-mail. It’s an easy way to save paper and keep better track of your important insurance documents. Read more about this discount here.

Standard Car Insurance Discounts

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

Consumer Complaint Data

Liberty Mutual Auto Insurance Nationwide Auto Insurance
2016 160 53
2015 267 112
2014 235 90
2013 187 134

U.S. Auto Insurance Shopping Study (2016)

Liberty Mutual Auto Insurance Nationwide Auto Insurance
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 Average
Insurer Website Average Average

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

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

Financial Strength Ratings

Liberty Mutual Auto Insurance Nationwide Auto Insurance
A.M. Best A A+
Moody's A2 A1
S&P's A A+

Mobile Apps

Liberty Mutual Nationwide
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.

For more information and to download any of these apps, click here.

Nationwide

The Nationwide Mobile App allows you to:

  • Pay your bills
  • File or view a claim
  • Get in touch with your agent
  • And much more. All with a single touch

To download the app, click here.

Nationwide Mobile Banking App can be downloaded to your web browser or your mobile phone. The app grants you access to your Nationwide bank accounts. It also lets you stay on top of your insurance related finances. You can deposit checks or pay insurance bills at home or by phone. For more information and to download the Mobile Banking App, click here.

Roadside Assistance

Liberty Mutual Nationwide
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. The website is here.

Nationwide

Nationwide Roadside Assistance

Nationwide Roadside Assistance offers two levels of coverage that apply to everyone on your policy. It doesn't matter who's car you might be in.

Nationwide Roadside Assistance Basic

Services covered:

  • Towing up to 15 miles
  • Winching
  • Gas delivery
  • Battery service
  • Lockout service up to $100
  • Tire replacement

Nationwide Roadside Assistance Plus

Covers all the services of the basic plan plus:

  • Towing up to 100 miles
  • Trip interruption coverage that will reimburse the cost

Contact Phone Number

Call 1 (800) 421-3535.

Its roadside service website is here. This service can help if you need a: locksmith, jumpstart, tire fixed, tow, or gas delivered.