Which insurance company is right for you? Compare plans, ratings, and quotes from Auto Owners and Liberty Mutual.
Vern V. Moulton and four of his associates founded Auto-Owners Insurance Company in a single room in the Commercial Block Building in Mount Pleasant, Michigan. The company moved to Lansing, Michigan where it still is today. In its first year, Auto-Owners Insurance had only one book of policyholders and $174.25 in total assets. In 1935, Auto-Owners extended beyond Michigan and began writing policies in Indiana. In 1951, the company opens the doors to its new four-story home in downtown Lansing and 400 associates moved in. In 1966 the company established Auto-Owners Life Insurance Company. In 1976, the company moved into its current home in Lansing. Auto-Owners Insurance celebrated its 100th anniversary. In 2017, Auto-Owners begins its affiliation with the Concord General Mutual Insurance group. Today, Auto-Owners Insurance writes policies in 26 states and has more than 4,700 employees. The company has been a member of the Fortune 500 since 2002. In 2018, Auto-Owners Insurance was listed at number 375.
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 the average rates that drivers typically pay with Auto-Owners Insurance Co and Liberty Mutual. On average, Auto-Owners Insurance Co charges approximately $126.87 per month while Liberty Mutual comes in at around $332.88 per month. For Auto-Owners Insurance Co, the cheapest state average is Ohio at $82.27 per month and the most expensive is Michigan at $222.06 per month. For Liberty Mutual, the cheapest state average is North Carolina at $84.79 per month and the most expensive is New York at $423.82 per month.
|State||Auto-Owners Insurance Co||Liberty Mutual|
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Auto-Owners Insurance Co and Liberty Mutual typically charge for drivers who have more than 1 vehicle.
|Number of Vehicles||Auto-Owners Insurance Co||Liberty Mutual|
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Auto-Owners Insurance Co charges $130.97 per month and Liberty Mutual charges $247.89 per month for customers who own their home.
|Own/Rent||Auto-Owners Insurance Co||Liberty Mutual|
Which car insurance company is better? We've made it easy to compare companies side by side. See how Auto-Owners and Liberty Mutual ranked among the industry ratings.
|A.M. Best Rating||A++||A|
|JD Power Ranking||Better Than Most||About Average|
|Market Share Percentage||0.05|
|NAIC Complaint Index||0.77|
|NAIC Complaint Ratio||4.55|
What coverage is available through Auto-Owners and Liberty Mutual? Both insurance companies offer Auto, Commercial, Condo, Health, Home, Pet, Renters, RV, and Umbrella insurance. Additional products from Auto-Owners insurance also includes Farm, Life, and Motorcycle insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Auto-Owners Insurance Co and Liberty Mutual Insurance page.
|Insurance||Auto Owners||Liberty Mutual|
Auto-Owners offers a wide range of discounts to its policyholders, including Favorable Loss History, Good Student, and Green discounts. Liberty Mutual also offers a few discounts that Auto-Owners doesn’t including Violation Free, Early Shopper, and Righttrack telematics device discount discounts. Start taking advantage of discounts offered by insurance providers like Liberty Mutual and Auto-Owners insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
|Advance Quote Discount||Accident-Free Discount|
|Favorable Loss History||Advanced Safety Features Discount|
|Good Student Discount||Alternative Energy Discount|
|Green Discount||Anti-Theft Device Discount|
|Life Multi-policy Discount||Bundle Discounts|
|Multi-car Discount||Early Shopper Discount|
|Multi-policy Discount||Good Student Discount|
|Paid-in-full Discount||Homeowner Discount|
|Payment History||Military Discount|
|Safety Features Discounts||Multi-Car Discount|
|Student Away at School Discount||Multi-Policy Discount|
|Teen Driver Monitoring Discount||Online Purchase Discounts|
|Paperless Policy Discount|
|Preferred Payment Discount|
|Righttrack telematics device discount|
|Violation Free Discount|
The Auto-Owners Insurance mobile app is available for iOS and Android. This insurance concierge gives you access to your policy 24/7. You can pay your bills, set up and manage automatic payments and check on the status of a claim.
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.
|Auto-Owners Mobile App|
|iOS||3.3||34 user reviews|
|Android||4.3||53 user reviews|
|Liberty Mutual Mobile App|
|iTunes||4.8||26.6K user reviews|
|Google Play||4.2||3.8K user reviews|
|Auto-Owners Contact Info|
|Address||6101 Anacapri Blvd., Lansing, MI, 48917|
|Liberty Mutual Contact Info|
|Address||175 Berkeley Street, Boston, Massachusetts|
|Phone||1 (888) 398-8924|
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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