Compare Liberty Mutual vs. USAA Insurance

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Liberty Mutual and USAA are both top companies in the auto insurance industry. Liberty Mutual was founded in 1912, and USAA was founded in 1922. Liberty Mutual was rated the #8 auto insurer in 2016, while USAA received outstanding reviews for its exceptional customer service, smooth claims process, and wide variety of discounts.

Liberty Mutual also received a J.D. Power award for most satisfying purchase experience in 2015.

USAA is all around a great carrier-- its only drawback is that it’s only available to military personnel and their immediate families. On the flip side, Liberty Mutual is also great, but it lacks a reliable, 24-hour customer support system.

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 USAA
Best If Liberty Mutual
  • You want better car replacement after an accident and strong online tools
USAA
  • You (or a parent) are a member of the military, and customer service is very important to you
Worst If Liberty Mutual
  • You want breakdown coverage or 24-hour customer support
USAA
  • You are not in the military, and do not have a parent who served in the military

Special Car Insurance Discounts

Liberty Mutual USAA
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.

USAA

Standard Car Insurance Discounts

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

Consumer Complaint Data

Liberty Mutual Car Insurance USAA Car Insurance
2016 160 245
2015 267 415
2014 235 380
2013 187 270

U.S. Auto Insurance Shopping Study (2016)

Liberty Mutual Car Insurance USAA 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 --
Call Center Representative Above average Among the best
Insurer Website Average Among the best

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

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

Financial Strength Ratings

Liberty Mutual Car Insurance USAA Car Insurance
A.M. Best A A++
Moody's A2 Aaa
S&P's A AA+

Mobile Apps

Liberty Mutual USAA
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.

USAA

The USAA Mobile App lets you manage your insurance policies quickly and conveniently from your mobile device. The app has a touch fingerprint ID feature or voice recognition for a more secure login process. Use the USAA Mobile App to pay insurance premiums, transfer funds, and more. Download the app here

Roadside Assistance

Liberty Mutual USAA
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.

USAA

USAA Roadside Assistance

USAA Roadside Assistance is offered thru USAA Towing and Labor as an additional coverage option on your policy. Only vehicles covered by USAA insurance are eligible for roadside assistance. USAA contracts their roadside service with Cross Country Motor Club to help you in need of help.

Roadside Services Covered

  • Towing
  • Gas delivery
  • Tire replacement

Contact Phone Number

USAA’s Roadside Assistance is available by calling 1 (866) 375—5374. This program can assist you in a number of undesirable situations and emergencies.