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.
Compare Liberty Mutual vs. USAA Insurance
Get affordable car insurance quotes from top companies like Liberty Mutual and USAA Compare Auto Insurance RatesLiberty 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
| Best If |
Liberty Mutual
|
USAA
|
| Worst If |
Liberty Mutual
|
USAA
|
Special Car Insurance Discounts
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. |
USAA |
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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 Auto 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 Auto 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 Auto 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 Auto Insurance | USAA Car Insurance | |
|---|---|---|
| A.M. Best | A | A++ |
| Moody's | A2 | Aaa |
| S&P's | A | AA+ |
Mobile Apps
|
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. |
USAA
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 USAA mobile app here. |
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. |
USAA
USAA Roadside AssistanceUSAA 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
Contact Phone Number1 (866) 375—5374. |