Compare Liberty Mutual vs. USAA Insurance

Liberty Mutual and USAA are both top companies in the auto insurance industry. 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. The 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 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 USAA
Best If Liberty Mutual
  • You want better car replacement after an accident and strong online tools
  • 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
  • You are not in the military, and do not have a parent who served

Compare Insurance Prices

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

Find The Best Rates For Your Policy

Compare Quotes

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. 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.


Standard Car Insurance Discounts

Bundling Coverage Discounts Liberty Mutual USAA
Home and Car
Car and Life
Vehicle Type and Safety Features Liberty Mutual USAA
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
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
Special Circumstances Liberty Mutual USAA
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Liberty Mutual USAA
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. 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.


The USAA Mobile App lets you manage your insurance policies quickly and easily 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'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.


USAA Roadside Assistance

USAA Roadside Assistance is offered thru USAA Towing and Labor as a policy add-on. Only vehicles covered by USAA insurance are eligible. 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

1 (866) 375—5374.