Comparing quotes is the best way to get your lowest rates from top insurers like Liberty Mutual and Nationwide. QuoteWizard is an independent company that helps you find your right policy at your best rate.
Liberty Mutual and Nationwide are both big names in the world of insurance. Liberty Mutual was rated the #8 auto insurer for 2015, with Nationwide up ahead at #2. Both companies have extensive roadside assistance programs, but Nationwide’s is only available in select states.
Their financial strength and J.D. Power ratings are comparably strong, and Liberty Mutual is known for having high customer satisfaction reviews and ratings. While Nationwide needs to improve its online tools, Liberty Mutual needs to develop 24-hour customer support.
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
|
Nationwide
|
| Worst If |
Liberty Mutual
|
Nationwide
|
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. |
Nationwide
Paperless DocumentsNationwide has a unique discount that saves customers money and saves the company (and the planet) paper. Going paperless simply means sending all the bills, or documents you’d otherwise receive in the mail over to e-mail. It’s an easy way to save paper and keep better track of your important insurance documents. Read more about the Paperless Documents discount. |
| Bundling Coverage Discounts | Liberty Mutual | Nationwide |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | Liberty Mutual | Nationwide |
| 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 | Nationwide |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | Liberty Mutual | Nationwide |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | Liberty Mutual | Nationwide |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | Liberty Mutual | Nationwide |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| Liberty Mutual Auto Insurance | Nationwide Auto Insurance | |
|---|---|---|
| 2016 | 160 | 53 |
| 2015 | 267 | 112 |
| 2014 | 235 | 90 |
| 2013 | 187 | 134 |
| Liberty Mutual Auto Insurance | Nationwide Auto Insurance | |
|---|---|---|
| Overall Purchase Experience | Among the best | Average |
| Policy Offerings | Among the best | Average |
| Pricing | Above average | Average |
| Local Agent | Among the best | Average |
| Call Center Representative | Above average | Average |
| Insurer Website | Average | Average |
| Liberty Mutual Auto Insurance | Nationwide Auto Insurance | |
|---|---|---|
| Overall Satisfaction | Average | Above average |
| First Notice of Loss | Average | Above average |
| Service Interaction | Average | Above average |
| Appraisal | Average | Above average |
| Repair Process | Average | Above average |
| Rental Car Experience | Average | Average |
| Settlement | Average | Average |
| Liberty Mutual Auto Insurance | Nationwide Auto Insurance | |
|---|---|---|
| A.M. Best | A | A+ |
| Moody's | A2 | A1 |
| 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. |
Nationwide
Nationwide Mobile AppThis app allows you to:
Download the Nationwide Mobile App app. Nationwide Mobile Banking AppThis app can be downloaded to your web browser or your mobile phone. The app grants you access to your Nationwide bank accounts. It also lets you stay on top of your insurance related finances. You can deposit checks or pay insurance bills at home or by phone. Click here for more information and to download the Mobile Banking App. |
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. |
Nationwide
Nationwide Roadside AssistanceNationwide Roadside Assistance offers two levels of coverage that apply to everyone on your policy. It doesn't matter who's car you might be in. Nationwide Roadside Assistance BasicServices covered:
Nationwide Roadside Assistance PlusCovers all the services of the basic plan plus:
Contact Phone NumberCall 1 (800) 421-3535. Visit Nationwide's roadside service website here. This service can help if you need a: locksmith, jumpstart, tire fixed, tow, or gas delivered. |