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Key Takeaways

  • For teens and drivers in their 20s, Liberty Mutual is the most affordable option.
  • The General has a better rating for financial strength by AM Best than Liberty Mutual.
  • Liberty Mutual offers more discounts compared to The General.
  • The General provides drivers the option to file an SR-22 form.

Introduction

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!

Find out about each insurance provider in detail:

Comparison Overview

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

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Pros and Cons

Liberty Mutual The General
Pros
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.
Cons
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.

Liberty Mutual vs. The General Coverage Comparison

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

Liberty Mutual vs. The General Insurance Optional Coverage Comparison

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

Car Insurance Rates comparison: Liberty Mutual vs. The General

Bad drivers

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

Driver Age

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.

Age Category Liberty Mutual The General
Teens $6672 $15890
20s $2124 $5762
30s $1692 $5099
60s $1320 $1440

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Liberty Mutual vs. The General Comparison: Discounts

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

Liberty Mutual vs. The General Comparison: Customer Satisfaction

Liberty Mutual:

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.

The General:

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.

Auto Insurance Data Methodology

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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