Auto-Owners vs. Liberty Mutual Insurance

Which insurance company is right for you? Compare plans, ratings, and quotes from Auto Owners and Liberty Mutual.

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Auto-Owners vs. Liberty Mutual: What You Need to Know

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 average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit Auto-Owners Insurance Co Overview and Liberty Mutual Overview.

Auto-Owners Insurance Co vs. Liberty Mutual: How much are the Average Rates?

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 $130.59 per month while Liberty Mutual comes in at around $304.13 per month. For Auto-Owners Insurance Co, the cheapest state average is Ohio at $83.76 per month and the most expensive is Michigan at $222.73 per month. For Liberty Mutual, the cheapest state average is North Carolina at $88.65 per month and the most expensive is Delaware at $852.71 per month.

Auto-Owners Insurance Co

Average Rate

$130.59
Liberty Mutual

Average Rate

$304.13
National

Average Rate

$117.77
State Auto-Owners Insurance Co Liberty Mutual
Alabama $123.70 -
Arkansas $165.39 $377.87
Colorado $155.93 -
Connecticut- $399.66
Delaware- $852.71
Georgia $132.26 -
Idaho $100.16 -
Illinois $117.50 -
Indiana $105.52 -
Iowa $87.29 $286.50
Kansas $116.96 -
Maryland- $351.21
Massachusetts- $243.12
Michigan $222.73 -
Minnesota $117.93 -
Mississippi- $466.14
Missouri $117.74 -
Nebraska $113.71 $306.98
Nevada- $279.45
New Hampshire- $205.67
New York- $412.33
North Carolina $92.83 $88.65
North Dakota $98.12 -
Ohio $83.76 $236.13
Pennsylvania $135.13 $321.63
Rhode Island- $369.16
South Carolina $119.64 -
South Dakota $167.26 -
Tennessee $106.44 $237.07
Utah $164.55 -
Virginia $111.99 -
Washington- $195.12
Wisconsin $103.25 $261.71

Auto-Owners Insurance Co 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 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
1 Vehicle $119.12 $290.55
2 Vehicles $172.43 $356.67
3 Vehicles $242.75 $

Auto-Owners Insurance Co 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 Auto-Owners Insurance Co charges $134.95 per month and Liberty Mutual charges $272.29 per month for customers who own their home.

Own/Rent Auto-Owners Insurance Co Liberty Mutual
Own $134.95 $272.29
Rent $127.98 $319.31

What is Auto-Owners and Liberty Mutual Insurance Rating?

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.

ComparisonAuto-OwnersLiberty Mutual
Year Founded19161912
Market Share0.24%
A.M. Best RatingA++A
BBB RatingA+A-
Financial StrengthExcellentExcellent
JD Power RankingBetter Than MostAbout Average
Market Share Percentage0.05
Moody’s RatingA2
NAIC Complaint Index0.77
NAIC Complaint Ratio4.55
S&P RatingAAA

Auto-Owners or Liberty Mutual: Insurance Products Offered

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.

InsuranceAuto OwnersLiberty Mutual
Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Pet Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Auto-Owners or Liberty Mutual: Ways To Save

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.

Auto-OwnersLiberty Mutual
Advance Quote DiscountAccident-Free Discount
Favorable Loss HistoryAdvanced Safety Features Discount
Good Student DiscountAlternative Energy Discount
Green DiscountAnti-Theft Device Discount
Life Multi-policy DiscountBundle Discounts
Multi-car DiscountEarly Shopper Discount
Multi-policy DiscountGood Student Discount
Paid-in-full DiscountHomeowner Discount
Payment HistoryMilitary Discount
Safety Features DiscountsMulti-Car Discount
Student Away at School DiscountMulti-Policy Discount
Teen Driver Monitoring DiscountOnline Purchase Discounts
Paperless Policy Discount
Pay-in-Full Discount
Preferred Payment Discount
Righttrack telematics device discount
Student-Away-at-School Discount
Violation Free Discount

Pros & Cons of Auto-Owners & Liberty Mutual

Pros

Auto-Owners
  • Several options for discounts for teen drivers.
  • Common loss deductible and multi-policy discounts allow clients to save money if they insure home and auto with Auto-Owners Insurance.
Liberty Mutual
  • Accident forgiveness is not available in CA and NC.
  • New car replacement is not available in NC and WY.
  • No good student discount.
  • No military discount.
  • No rideshare insurance.

Cons

Auto-Owners
  • Auto-Owners Insurance only serves 26 states.
  • No rideshare insurance.
Liberty Mutual
  • Accident forgiveness is not available in CA and NC.
  • New car replacement is not available in NC and WY.
  • No good student discount.
  • No military discount.
  • No rideshare insurance.

Auto-Owners or Liberty Mutual Mobile Apps Options

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     3.334 user reviews
Android     4.353 user reviews
Liberty Mutual Mobile App
iTunes     4.826.6K user reviews
Google Play     4.23.8K user reviews

Auto-Owners & Liberty Mutual Contact Info

Auto-Owners Contact Info
Address6101 Anacapri Blvd., Lansing, MI, 48917
Phone1-517-323-1200
Websitehttps://www.auto-owners.com/
Facebookhttps://www.facebook.com/AutoOwnersInsurance/
Twitterhttps://twitter.com/AutoOwnersIns
Youtubehttps://www.youtube.com/user/AutoOwnersInsurance
Linkedinhttps://www.linkedin.com/company/auto-owners-insurance/
Liberty Mutual Contact Info
Address175 Berkeley Street, Boston, Massachusetts
Phone1 (888) 398-8924
Websitewww.libertymutual.com
Facebookwww.facebook.com/libertymutual
Twitterwww.twitter.com/libertymutual
Youtubewww.youtube.com/libertymutual
Linkedinwww.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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