Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 21, 2021

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The Lowdown

  • Travelers offers lower monthly rates than Liberty Mutual
  • Travelers has better financial ratings than Liberty Mutual
  • Liberty Mutual includes roadside assistance with certain policies

Liberty Mutual and Travelers offer auto insurance to a wide range of customers. Travelers auto insurance offers lower rates and has better financial ratings, but Liberty Mutual includes roadside assistance.

Comparing Liberty Mutual vs. Travelers auto insurance will allow you to determine the right fit for your needs.

Before comparing Liberty Mutual vs. Travelers auto insurance, enter your ZIP code to find the best auto insurance quotes from providers in your area.

Liberty Mutual vs. Travelers Auto Insurance: What are their monthly rates?

Comparing affordable Liberty Mutual vs. Travelers auto insurance rates will allow you to determine the most cost-effective option. The following chart shows the monthly rates for Liberty Mutual and Travelers auto insurance based on age.

Liberty Mutual vs. Travelers Auto Insurance: Average Monthly Rates by Age
AgeLiberty Mutual Average Monthly RatesTravelers Average Monthly Rates
20$224$133
30$162$130
40$161$100
50$149$94
60$146$93
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As you can see, Travelers offers lower rates than Liberty Mutual, and rates decrease as drivers age.

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Liberty Mutual vs. Travelers Auto Insurance: What coverages are available?

Liberty Mutual and Travelers both offer multiple forms of auto insurance coverage. Combining these coverages will allow you to create a plan that fits your needs.

Coverages offered by Liberty Mutual and Travelers auto insurance include:

  • Bodily injury liability
  • Property damage liability
  • Personal injury protection
  • Uninsured/underinsured motorist
  • Medical payments
  • Collision
  • Comprehensive

In addition to these basic coverages, both companies offer rideshare and GAP insurance. Customers can also purchase other types of insurance from these companies, such as home, boat, and motorcycle insurance.

Liberty Mutual vs. Travelers Auto Insurance: What discounts are available?

Most auto insurance companies offer a variety of discounts. Comparing Liberty Mutual vs. Travelers auto insurance company discounts will help you to obtain lower rates.

Discounts offered by Liberty Mutual include:

  • Multi-car
  • Anti-lock brakes
  • Anti-theft
  • New car
  • Economy car
  • College graduate
  • Good student
  • Married

Discounts offered by Travelers include:

  • Good student
  • Multiple policies
  • Multiple vehicles
  • Good driver
  • Student away at school
  • Driver training
  • Green vehicles
  • Pay in full

Liberty Mutual and Travelers offer more discounts than most competitors.

Liberty Mutual vs. Travelers Auto Insurance: What are their financial ratings?

Credit rating agencies review and rate insurance companies based on their financial strength. These financial ratings determine the likelihood that the company will provide a payout when you file a claim. A.M. Best, Moody’s, and S&P have rated Liberty Mutual and Travelers.

Liberty Mutual has been rated an A by A.M. Best and S&P and an A2 by Moody’s. These ratings are described as strong but are not at the top of the rating scales.

Travelers has been rated an A++ by A.M. Best, an Aa1 by Moody’s, and an AA+ by S&P. These are some of the best ratings in the industry, showing that Travelers will have no problem paying out on claims.

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Liberty Mutual vs. Travelers Auto Insurance: Do they have any complaints?

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) allow customers to list complaints about insurance companies. Comparing Liberty Mutual vs. Travelers auto insurance complaints will help you determine their quality of service.

At the time of this comparison, the BBB has received 1,040 complaints about Liberty Mutual over the past three years. The company’s NAIC complaint index rating is 2.23, indicating Liberty Mutual receives more than double the number of complaints typical for a company of its size.

The BBB has received 419 complaints about the Travelers insurance company over the past three years. According to the NAIC, Travelers has a complaint index of 0.90, meaning it receives fewer than the average number of complaints for a company of its size.

While Liberty Mutual has more complaints than Travelers, examining the specific grievances will help you determine if they should be a concern.

Liberty Mutual vs. Travelers Auto Insurance: Do they offer roadside assistance?

For some customers, quality roadside assistance is essential when choosing an auto insurance company. Liberty Mutual and Travelers auto insurance offer roadside assistance to customers but they have different qualifications.

The roadside assistance services offered by Liberty Mutual and Travelers include:

  • Towing
  • Battery service
  • Gas delivery
  • Flat tire repair
  • Locksmith

Liberty Mutual includes roadside assistance for customers that have comprehensive and collision coverage. Those without these coverages can obtain roadside assistance through the company’s Towing and Labor policy.

If you need roadside assistance, you can call the Liberty Mutual insurance phone number at (800) 426-9898.

Travelers auto insurance offers two levels of roadside assistance. The basic plan features towing up to 15 miles. The premium plan adds trip interruption reimbursement, consisting of up to $200 per day for a rental car.

Customers can request roadside assistance by calling the Travelers insurance phone number at (800) 252-4633.

When considering Liberty Mutual vs. Travelers auto insurance quotes, make sure to take this addition into consideration.

Liberty Mutual vs. Travelers Auto Insurance: Do they have mobile apps?

Liberty Mutual and Travelers offer mobile apps for their auto insurance customers. Available on any mobile device, these apps allow customers to access identification cards, view policy information, and request roadside assistance.

Entering your Travelers or Liberty Mutual login information also offers a convenient way of making payments. If you’re uncomfortable with entering financial information through the app, you can call the Travelers or Liberty Mutual customer service number to make payments over the phone.

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Liberty Mutual vs. Travelers Auto Insurance: What are their pros and cons?

Every insurance company has pros and cons. Before deciding whether to buy Liberty Mutual vs. Travelers auto insurance, you should consider these positive and negative aspects.

Liberty Mutual offers several coverages, allowing you to customize your auto insurance policy. Bundling auto insurance with other types of insurance, such as life or homeowners, can result in more convenience and lower car insurance rates.

A negative aspect of Liberty Mutual is the company’s number of complaints. Liberty Mutual has received more complaints than many competitors, showing a lack of customer satisfaction.

Many auto insurance companies offer new car replacement coverage for two or three years, but Travelers provides this coverage for five years. The company also offers discounts to customers who drive hybrid and electric vehicles.

Travelers has a better complaint index score than Liberty Mutual, meaning its customers are likely more satisfied.

Liberty Mutual vs. Travelers Auto Insurance: The Bottom Line

Travelers auto insurance has lower monthly rates and better financial ratings, but Liberty Mutual includes roadside assistance with specific policies. Comparing Liberty Mutual vs. Travelers auto insurance will help you find the right option.

Now that you’ve compared Liberty Mutual vs. Travelers auto insurance, enter your ZIP code for the top auto insurance rates from local companies in your area.