Allied vs. Liberty Mutual Insurance

Which insurance provider is right for you? Compare ratings, savings and quotes from Allied and Liberty Mutual.

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Allied vs. Liberty Mutual: What You Need to Know

Allied Mutual Automobile Association was formed by Harold Evans in 1929. After years of operating as a standalone brand, Allied Insurance became Nationwide in 1998. Policies, documents, bills and account statements for Allied customers are now featuring the Nationwide name and logo.

Liberty Mutual Group is a global insurer and the fourth-largest property and casualty insurer in the U.S, ranking 68th on Fortune 100 list of the largest corporations in the U.S. The company has assets of more than $100 billion. Today the group employs over 50,000 people in over 900 locations around the globe, including 45 U.S. states. 

Liberty Mutual formed on July 1, 1912, as Massachusetts Employees Insurance Association (MEIA) and emerged after state law began to require that employers carry protection for their employees. MEIA provided workers’ compensation insurance to companies, and the first auto policy was sold in 1918. In 1920, the company used a then-new medium of film to teach people about workplace safety. The first Liberty Mutual home office opened its doors in Boston in 1937. In 1946, they created an emergency stop switch for escalators. In 1957 Liberty Mutual and Cornell University partnered to create a “safety car” by crash testing with dummies, something that had never been done before. In 1964, Liberty Mutual began selling life insurance though the Liberty Life Assurance Branch. The first battery-powered prosthetic elbow was created by the company in 1967. As Liberty Mutual grew, it expanded beyond North America by opening its first operation in the UK. In the 1990s, they continued to grow through the acquisition of large commercial and risk carriers. In 2008, Safeco became a part of Liberty Mutual. In 2016 reaffirmed its commitment to innovation by creating Solar Labs.

Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit Allied Overview and Liberty Mutual Overview.

Allied vs. Liberty Mutual: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Allied and Liberty Mutual. On average, Allied charges approximately $252.01 per month while Liberty Mutual comes in at around $291.67 per month. For Allied, the cheapest state average is Pennsylvania at $112.52 per month and the most expensive is Michigan at $278.40 per month. For Liberty Mutual, the cheapest state average is Connecticut at $118.35 per month and the most expensive is Oklahoma at $418.75 per month.

Allied

Average Rate

$252.01
Liberty Mutual

Average Rate

$291.67
National

Average Rate

$133.56
State Allied Liberty Mutual
Arizona $185.59 -
California $213.92 -
Connecticut- $118.35
Florida $235.21 -
Indiana- $230.19
Kentucky- $367.73
Michigan $278.40 $336.19
Nevada $212.98 $349.42
North Carolina- $327.28
Oklahoma- $418.75
Pennsylvania $112.52 -
Washington $139.99 -

Allied vs. Liberty Mutual: Rates by Number of Vehicle

Home

Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Allied and Liberty Mutual typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Allied Liberty Mutual
1 Vehicle $244.01 $279.35
2 Vehicles $335.86 $361.31

Allied vs. Liberty Mutual: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Allied charges $251.70 per month and Liberty Mutual charges $230.15 per month for customers who own their home.

Own/Rent Allied Liberty Mutual
Own $251.70 $230.15
Rent $252.11 $312.27

What Are Allied and Liberty Mutual Insurance's Ratings?

Both Allied and Liberty Mutual rank very similarly across the board. Allied had received an A+ from the Better Business Bureau (BBB) and Liberty Mutual received an A-. Both have an excellent financial rating and have received a score of "About Average" by JD Power. Both companies were founded in the early 1900s: Allied in 1925 and Liberty Mutual in 1912. Compare the two companies in full detail below.

ComparisonAlliedLiberty Mutual
Year Founded19251912
Market Share2.7%5%
BBB RatingA+A-
Financial StrengthExcellentExcellent
JD Power RankingAbout AverageAbout Average
Moody’s RatingA1A2
NAIC Complaint Index0.38
NAIC Complaint Ratio4.55
S&P RatingA+A

Allied or Liberty Mutual: Insurance Products Offered

Allied and Liberty Mutual both offer a wide range of insurance products for their customers. Both offer Auto, Boat, Business, Classic Car, Condo, Home, Identity Theft, Pet, Renters, RV, Surety Bonds, and Umbrella insurance. See the full list of insurance below and compare the two car insurance companies side by side.

InsuranceAlliedLiberty Mutual
Accident Insurance
Accident Medical Insurance
ATV Insurance
Auto Insurance
Boat Insurance
Brewery Insurance
Business Insurance
Business Property Insurance
Churches Insurance
Classic Car Insurance
Commercial Agribusiness Insurance
Commercial Auto
Commercial Property
Condo Insurance
Construction Insurance
Consulting Insurance
Contractors Insurance
Critical Illness Insurance
Dental Insurance
Equipment Breakdown
Excess & Surplus Insurance
Excess Liability Insurance
Farm & Ranch Insurance
Flood Insurance
Food & Beverage Insurance
General Liability Insurance
Golf Cart Insurance
Group Programs
Homeowners Insurance
Identity Theft Insurance
Inland Marine
Landlord Insurance
Life Insurance
Manufacturing Insurance
Mergers and Acquisitions
Mobile Home Insurance
Motorcycle Insurance
Personal Watercraft Insurance
Pet Insurance
Private Client Insurance
Professional Offices Insurance
Renters Insurance
Retail Insurance
RV Insurance
Scooter Insurance
Senior Living Insurance
Snowmobile Insurance
Specialty Liability Insurance
Surety Bonds
Travel Insurance and Wedding Insurance
Tuition Insurance
Umbrella Insurance
Veterinarians Insurance
Workers Compensation

Allied or Liberty Mutual: Ways to Save

Drivers can save hundreds if they chose an insurance carrier that offers great discounts. Both Allied and Liberty Mutual offer numerous opportunities to save money on car insurance. The full list of discounts available by each company is listed here.

AlliedLiberty Mutual
Accident ForgivenessAccident-Free Discount
Accident-Free DiscountAdvanced Safety Features Discount
Advance Quote DiscountAlternative Energy Discount
Affinity Car Insurance DiscountsAnti-Theft Device Discount
Allied RewardsBundle Discounts
Anti-Theft DiscountEarly Shopper Discount
Defensive Driving DiscountGood Student Discount
Easy Pay DiscountHomeowner Discount
Farm Bureau DiscountMilitary Discount
Good Student DiscountMulti-Car Discount
Long-Term Policyholder DiscountMulti-Policy Discount
Minor Violation ForgivenessOnline Purchase Discounts
Multi-Policy DiscountsPaperless Policy Discount
Nationwide Family PlanPay-in-Full Discount
New VehiclePreferred Payment Discount
Paperless DocumentsRighttrack telematics device discount
Passive Occupant Restraint DiscountStudent-Away-at-School Discount
SmartRide DiscountViolation Free Discount

Pros & Cons of Allied & Liberty Mutual

Pros

Allied
  • Up to 20% off when you bundle home, auto, life, and other policies.
  • Minor violation forgiveness.
  • Accident Forgiveness.
  • Vanishing deductible.
Liberty Mutual
  • Telematics devices that track driving behaviors can save safe drivers up to 30%.
  • Liberty Mutual Deductible Fund, which reduces and eliminates your deductible.
  • Accident forgiveness for your first accident.
  • Lifetime auto repair guarantee at one of 2,000 guaranteed repair network facilities.
  • Original parts replacement ensures that you will only be sold parts made by the manufacturer, not a third party.

Cons

Allied
  • High rates for people with an imperfect driving history.
  • Credit check in most states.
Liberty Mutual

Allied or Liberty Mutual Mobile Apps Options

The Allied Mobile App is the Nationwide Mobile App for Android, iPhone, and iPad. This app lets you access accounts using a fingerprint and facial login to a dashboard. You make payments, manage payment methods and save or share ID cards with drivers on your policy. You can also file a claim and check on its status. The app comes fully equipped to connect with roadside assistance too.

The Liberty Mutual app is available for iOS and Android. This insurance concierge is where you can report accidents or update personal information 24/7.

Allied Mobile App
iOS     3.62,922 user reviews
Android     4.31.4K user reviews
Liberty Mutual Mobile App
iTunes     4.826.6K user reviews
Google Play     4.23.8K user reviews

Allied & Liberty Mutual Contact Info

Allied Contact Info
Address1100 Locust Street, Des Moines, IA 50391-1100
Phone1 (800) 532-1436
Websitehttps://www.alliedinsurance.com
Facebookhttps://www.facebook.com/pages/Nationwide-Insurance
Twitterhttps://twitter.com/OnYourSide
Youtubehttps://www.youtube.com/channel/UClEv4hlTocZkc8tN96LWN_Q
Linkedinhttps://www.linkedin.com/company/nationwide/
Liberty Mutual Contact Info
Address175 Berkeley Street, Boston, Massachusetts
Phone1 (888) 398-8924
Websitehttps://www.libertymutual.com
Facebookhttps://www.facebook.com/libertymutual
Twitterhttps://www.twitter.com/libertymutual
Youtubehttps://www.youtube.com/libertymutual
Linkedinhttps://www.linkedin.com/company/liberty-mutual-insurance

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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