Nationwide
$112/mo
Progressive
$123/mo
General
$91/mo
USAA
$25/mo
State Farm
$62/mo
Nationwide
Progressive
General
USAA
State Farm
National General and Liberty Mutual hold sizable market shares in the insurance sector. So the chances are high that you've seen more than one advertisement for either in the recent month. While Liberty Mutual was established in 1912, The General was founded in 1963.
Many people trust both these brands when it comes to auto insurance. But, which offers you the best coverages and discounts? How do customers rate both insurers? Before buying an auto insurance policy from one of these companies, you need to know all these.
Auto insurance companies attempt to offer you the finest protection for the lowest cost. Therefore, you can decide on the auto insurance policy by comparing the rates offered by both insurers. Here we have detailed the most important aspects of both companies, which will easily help you decide which company's policy to buy!
| Features | The General | Liberty Mutual |
|---|---|---|
| Geographical Coverage | 50 states | 50 states |
| Discounts | 9 | 17 |
| Customer Service | Phone, Chat, E-mail, In-person | Phone, Chat, E-mail, In-person |
| Claims Processing | Phone, E-mail, Mail, Fax | Phone, E-Mail, Mail, Online |
| AM Best rating | A- | A |
| NAIC complaint score | Poor | Poor |
| Liberty Mutual | The General |
|---|---|
|
|
|
| It offers many coverage options to the customers. | Provides coverage for high-risk drivers |
| Availability of a variety of discounts. | It offers an option to file an SR-22 form. |
| It has great financial strength and is available across the country. | |
|
|
|
| The premium rates may increase unexpectedly. | It isn't the ideal insurer for drivers with a clean driving record. |
| Some states charge high premiums. | Offers limited policy options and discounts. |
Both insurers offer you minimum and full coverage policies. The amount varies based on the city where you reside.
| Type of Insurance | Liberty Mutual | The General |
|---|---|---|
| Personal Liability Insurance | Yes | Yes |
| Collision Insurance | Yes | Yes |
| Comprehensive Insurance | Yes | Yes |
| Medical Payments Insurance | Yes | Yes |
| Uninsured and Underinsured | Yes | Yes |
| Feature | Liberty Mutual | The General |
|---|---|---|
| Rideshare insurance | Yes | No |
| Mechanical breakdown insurance | Yes | No |
| Accident forgiveness | Yes | No |
| Roadside assistance | Yes | Yes |
| Towing and labor | Yes | Yes |
| Rental reimbursement | Yes | No |
| Glass coverage | Yes | No |
| Deductible waiver | No | Yes |
| Custom equipment | No | Yes |
| Loan/lease payoff | No | Yes |
| Accidental death | No | Yes |
| Hospital indemnity plan | No | Yes |
| OBEL (optional basic economic loss) | No | Yes |
| Funeral benefit | No | Yes |
| Accidental death | No | Yes |
| Combination first-party benefits | No | Yes |
| Extraordinary medical benefits | No | Yes |
| Gap coverage | Yes | No |
| Original parts replacement | Yes | No |
With an annual average rate of $6213, Libert Mutual offers an affordable insurance policy for drivers with at-fault accident citations on their driving records.
| Violations | Liberty Mutual | The General |
|---|---|---|
| At-Fault Accident | $6213 | $7436 |
| DUI | $7623 | $1620 |
Teens have the best rates with Liberty Mutual. For drivers in their 20s, The General is the most affordable insurer, with an annual rate of $5762. At the same time, Liberty Mutual charges you $2124 a year. With an annual rate of $1320, Liberty Mutual offers the most affordable policy for drivers in the 60s.
| Discounts | Liberty Mutual | The General |
|---|---|---|
| Automatic Payment | Yes | No |
| Continuous Insurance | Yes | No |
| Defensive Driver | No | No |
| Distant Student | Yes | No |
| Double Deductible | No | Yes |
| Good Driver | Yes | Yes |
| Good Student | Yes | Yes |
| Home Owner | Yes | Yes |
| Multiple Policies | Yes | No |
| Multiple Vehicles | No | Yes |
| Online Quote | Yes | No |
| Paperless | Yes | No |
| Passive Restraint | No | Yes |
| Pay In Full | Yes | Yes |
| Previous Insurance | Yes | Yes |
| Sign Online | Yes | No |
| Snapshot | No | No |
| Teen Driver | No | No |
| RightTrack safe driving program | Yes | No |
Customers of Liberty Mutual's auto insurance rated the company high scores. The willingness to promote and dependability of the auto insurance received good scores. In the area of online experience, it did its best.
Liberty Mutual is making investments in technology, particularly in the field of auto insurance. You can submit and follow a claim online, but the business also offers many other advantages. As a result, liberty Mutual's customers can benefit from many exceptional benefits, such as extensive coverage options, discounts, and digital tools.
Most other insurers need you to deal with an agent to obtain auto insurance. However, you can request a quote and purchase coverage from The General online. Additionally, you can print out your insurance card after purchasing your policy if you require immediate proof of auto insurance. Finally, you can contact The General's customer service representatives by phone, e-mail, or online chat.
Moreover, it has an excellent rating on financial strength on AM Best. So, customers are never worried about getting their claims payout.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
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