Compare Liberty Mutual vs. SafeAuto Insurance

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Some of the strongest competitors in the auto insurance world are Liberty Mutual and SafeAuto. Liberty Mutual was founded in 1912, and SafeAuto was founded much later in 1993. It’s true that Liberty Mutual has a great car replacement program, but SafeAuto offers customers great customer service.

However, SafeAuto does lack a simple and quick claims process and Liberty Mutual lacks great 24-hour customer service support. Still, both companies offer great competitive insurance rates.

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 Safe Auto
Best If Liberty Mutual
  • You want better car replacement after an accident and strong online tools
Safe Auto
  • You want incredibly low insurance rates
Worst If Liberty Mutual
  • You want breakdown coverage or 24-hour customer support
Safe Auto
  • You want a quick claims process

Special Car Insurance Discounts

Liberty Mutual Safe Auto
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.

Safe Auto

Standard Car Insurance Discounts

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

Consumer Complaint Data

Liberty Mutual Car Insurance SafeAuto Insurance
2016 160 46
2015 267 82
2014 235 105
2013 187 36

U.S. Auto Insurance Shopping Study (2016)

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

Mobile Apps

Liberty Mutual Safe Auto
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.

Safe Auto

The SafeAuto Mobile App lets you manage your insurance policy quickly and conveniently from your mobile device. With the app, you can pay your insurance premiums, view your insurance ID cards or policies, call customer service, and use the “Name Your Car” tool. To download the app for iPhone or Android, click here

Roadside Assistance

Liberty Mutual Safe Auto
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.

Safe Auto

SafeAuto offers towing and roadside assistance as a coverage option for your auto insurance policy. With this coverage, towing services and certain repair costs will be covered so you and your car can get back on the road as soon as possible.