Compare Liberty Mutual vs. The Hartford Insurance

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The Hartford and Liberty Mutual are both well-known companies in the insurance industry. The Hartford was founded in 1810, and Liberty Mutual was founded in 1912. Liberty Mutual was rated #8 in top auto insurers for 2016 and offers excellent car replacement services, while The Hartford offers a wide selection of discounts that extended to additional benefits to AARP members, and has great claims support services. However, neither The Hartford nor Liberty Mutual offer 24-hour customer support. Still, they both 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 The Hartford
Best If Liberty Mutual
  • You want better car replacement after an accident and strong online tools
The Hartford
  • You’re also an AARP member
Worst If Liberty Mutual
  • You want breakdown coverage or 24-hour customer support
The Hartford
  • You want or need 24-hour customer support for more than just claim-related issues

Special Car Insurance Discounts

Liberty Mutual The Hartford
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.

The Hartford

The Hartford offers multiple discounts to save you money on your auto insurance premium. These discounts include:

  • Bundle Insurance Savings discount
  • Anti-Theft Device discount
  • Air Bags discount
  • Defensive Driver Course discount
  • Vehicle Fuel Type discount
  • Driver Training discount
  • Good Student discount

Standard Car Insurance Discounts

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

Consumer Complaint Data

Liberty Mutual Car Insurance The Hartford Car Insurance
2016 160 30
2015 267 72
2014 235 69
2013 187 67

U.S. Auto Insurance Shopping Study (2016)

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

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

Liberty Mutual Car Insurance The Hartford Car Insurance
Overall Satisfaction Average Above average
First Notice of Loss Average Above average
Service Interaction Average Below average
Appraisal Average Average
Repair Process Average Among the best
Rental Car Experience Average Average
Settlement Average Above average

Financial Strength Ratings

Liberty Mutual Car Insurance The Hartford Car Insurance
A.M. Best A A
Moody's A2 A2
S&P's A A

Mobile Apps

Liberty Mutual The Hartford
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.

The Hartford

The Hartford Smartphone App for Auto and Home lets you manage your insurance policies directly and conveniently from your mobile device. You can store and view your ID cards, pay your premiums, and track any claims you’ve made. Even without having to log in, you’ll have access to roadside assistance as well as an emergency checklist. Also available is a repair service finder, replacement vehicle locator, insurance agent locator, and much more. To download the app for iPhone or Android, click here

Roadside Assistance

Liberty Mutual The Hartford
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.

The Hartford

The Hartford Towing and Labor

Towing and Labor coverage is available on your existing auto insurance policy. It covers the tow and labor costs, but does not cover additional parts needed for repairs to the car.

The Hartford offers Towing and Labor coverage, which includes all the services that a standard roadside assistance package would have.

Services Covered

  • Towing
  • Tire repair
  • Battery service
  • Gas delivery

Contact Phone Number

For immediate roadside assistance/claims service, call 1 (800) 322-7789.