Comparing quotes is the best way to get your lowest rates from top insurers like Liberty Mutual and 21st Century. QuoteWizard is an independent company that helps you find your right policy at your best rate.
Liberty Mutual and 21st Century are a couple of the biggest companies in the auto insurance world. 21st Century may have great customer service. But has been known to raise premiums by excessive amounts. Liberty Mutual was rated #8 auto insurer in 2016.
Additionally, Liberty Mutual has strong online tools and competitive rates, but lacks mechanical breakdown coverage. Nevertheless, both companies have an impressive amount of discounts to offer and excellent financial strength ratings.
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 |
Liberty Mutual
|
21st Century
|
| Worst If |
Liberty Mutual
|
21st Century
|
Liberty Mutual
Bundle & SaveWhen you combine policies with Liberty Mutual, you can receive special discounts for bundling and thus save more money. Multi-Car DiscountThe 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 SavingsLiberty 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. |
21st Century |
| Bundling Coverage Discounts | Liberty Mutual | 21st Century |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | Liberty Mutual | 21st Century |
| 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 | 21st Century |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | Liberty Mutual | 21st Century |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | Liberty Mutual | 21st Century |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | Liberty Mutual | 21st Century |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| Liberty Mutual Auto Insurance | 21st Century Car Insurance | |
|---|---|---|
| 2016 | 160 | 4 |
| 2015 | 267 | 2 |
| 2014 | 235 | 9 |
| 2013 | 187 | 3 |
| Liberty Mutual Auto Insurance | 21st Century Car Insurance | |
|---|---|---|
| Overall Purchase Experience | Among the best | Below average |
| Policy Offerings | Among the best | Below average |
| Pricing | Above average | Below average |
| Local Agent | Among the best | Below average |
| Call Center Representative | Above average | Below average |
| Insurer Website | Average | Among the best |
| Liberty Mutual Auto Insurance | 21st Century Car Insurance | |
|---|---|---|
| Overall Satisfaction | Average | Average |
| First Notice of Loss | Average | Below average |
| Service Interaction | Average | Average |
| Appraisal | Average | Average |
| Repair Process | Average | Below average |
| Rental Car Experience | Average | Average |
| Settlement | Average | Average |
| Liberty Mutual Auto Insurance | 21st Century Car Insurance | |
|---|---|---|
| A.M. Best | A | A |
| Moody's | A2 | -- |
| S&P's | A | A+ |
|
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:
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. Click here for more information and to download any of the Liberty Mutual mobile apps. |
21st Century
The 21st iPhone appThis mobile app lets you view and pay insurance bills. You also get 24/7 access to your policy information and insurance ID cards. You can also report a claim, document details through the app, and contact roadside assistance. |
Liberty Mutual
Liberty Mutual 24-Hour Roadside AssistanceTowing & 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
Contact Phone NumberLiberty Mutual’s Emergency Roadside Assistance is available through its mobile app, or by calling 1 (800) 426-9898. Click here to go to the Liberty Mutual Roadside Assistance website. |
21st Century
21st Roadside AssistanceAs a policy holder at 21st Century you are automatically enrolled in the roadside assistance program. 21st Century gives policy holder access to 24-hour roadside service for no extra cost. 21st Century roadside assistance applies to labor only. That is the cost of a roadside technician to service your vehicle and towing to the nearest repair shop. The cost of parts such as tires, batteries, belts and gasoline are not covered. Roadside Services Covered
Contact Phone NumberHotline: 1 (888) 244-6163. |