Liberty Mutual vs. Esurance Insurance

Which insurance company is right for you? Compare ratings, products, and quotes from Liberty Mutual and Esurance.

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Liberty Mutual vs. Esurance: What You Need to Know

Liberty Mutual Group is a global insurer and the fourth largest propertyand casualty insurer in the U.S, ranking 68th on Fortune 100 list of thelargest corporations in the U.S. The company has assets of more than $100billion. Today the group employs over 50,000 people in over 900 locationsaround the globe, including 45 U.S. states. Liberty Mutual formed on July1, 1912, as Massachusetts Employees Insurance Association (MEIA) andemerged after state law began to require that employers carry protectionfor their employees. MEIA provided workers’ compensation insurance tocompanies, and the first auto policy was sold in 1918. In 1920, the companyused a then-new medium of film to teach people about workplace safety. Thefirst Liberty Mutual home office opened its doors in Boston in 1937. In1946, they created an emergency stop switch for escalators. In 1957 LibertyMutual and Cornell University partnered to create a “safety car” by crashtesting with dummies, something that had never been done before. In 1964,Liberty Mutual began selling life insurance though the Liberty LifeAssurance Branch. The first battery-powered prosthetic elbow was created bythe company in 1967. As Liberty Mutual grew, it expanded beyond NorthAmerica by opening its first operation in the UK. In the 1990s, theycontinued to grow through the acquisition of large commercial and riskcarriers. In 2008, Safeco became a part of Liberty Mutual. In 2016reaffirmed its commitment to innovation by creating Solar Labs.

Founded in 1999 and purchased by Allstate in 2011, Esurance has the spiritof a startup but the backing of Allstate as a multiline insurance companywith an A+ financial rating. Using state-of-the-art technology, Esuranceoffers online and mobile services that enable a more efficient payment andclaims process. Esurance sells the vehicle and property insurance aroundthe county, and they are still growing. In 1999, Jean-Bernard Duler,Jeffrey L. Goodman, Huyen Bui, David Griffin, and Charles Wallace foundedEsurance as one of the first insurance companies to sell policies directlyto consumers online, without the need for in-person meetings or telephonecalls.

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

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

Below is a list of the average rates that drivers typically pay with Liberty Mutual and Esurance. On average, Liberty Mutual charges approximately $304.13 per month while Esurance comes in at around $222.74 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. For Esurance, the cheapest state average is Utah at $133.20 per month and the most expensive is New York at $460.25 per month.

Liberty Mutual

Average Rate

$304.13
Esurance

Average Rate

$222.74
National

Average Rate

$117.62
State Liberty Mutual Esurance
Arizona- $169.06
Arkansas $377.87 -
California- $138.78
Colorado- $171.23
Connecticut $399.66 -
Delaware $852.71 -
Illinois- $135.22
Iowa $286.50 -
Maryland $351.21 $335.51
Massachusetts $243.12 -
Michigan- $255.12
Mississippi $466.14 -
Nebraska $306.98 -
Nevada $279.45 -
New Hampshire $205.67 -
New Jersey- $230.37
New York $412.33 $460.25
North Carolina $88.65 -
Ohio $236.13 -
Pennsylvania $321.63 $185.41
Rhode Island $369.16 -
Tennessee $237.07 -
Texas- $193.33
Utah- $133.20
Washington $195.12 -
Wisconsin $261.71 -

Liberty Mutual vs. Esurance: 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 Liberty Mutual and Esurance typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Liberty Mutual Esurance
1 Vehicle $290.55 $216.63
2 Vehicles $356.67 $244.93
3 Vehicles $ $457.76

Liberty Mutual vs. Esurance: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Liberty Mutual charges $272.29 per month and Esurance charges $200.88 per month for customers who own their home.

Own/Rent Liberty Mutual Esurance
Own $272.29 $200.88
Rent $319.31 $234.18

What is Liberty Mutual and Esurance Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Liberty Mutual and Esurance ranked among the industry ratings.

Comparison Liberty Mutual Esurance
Year Founded 1912 1999
A.M. Best A+
A.M. Best Rating a
BBB Rating A- A-
Financial Strength Excellent Above Average
JD Power Ranking About Average
Market Share Percentage 0.5%
Moody’s Rating A2
Moodys
NAIC Complaint Ratio 4.55 1.14
S&P Rating A AA-

Liberty Mutual or Esurance: Insurance Products Offered

What coverage is available through Liberty Mutual and Esurance? Both insurance companies offer Auto, Commercial, Condo, Health, Home, Pet, Renters, RV, and Umbrella Insurance. Additional products from Esurance insurance also includes , 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 Liberty Mutual and Esurance Insurance page.

Insurance Liberty Mutual Esurance
Auto Insurance
Commercial Insurance
Condo Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Pet Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Liberty Mutual or Esurance: Ways To Save

Esurance offers a wide range of discounts to its policyholders, including Anti-theft, Claim-free, and Defensive Driver discounts. Liberty Mutual also offers a few discounts that Esurance doesn’t including Violation Free, Student-Away-at-School, and Righttrack telematics device discount discounts. Start taking advantage of discounts offered by insurance providers like Esurance and Liberty Mutual insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

Liberty MutualEsurance
Accident Free DiscountAnti-lock Brakes Discount
Advanced Safety Features DiscountAnti-theft Discount
Alternative Energy DiscountClaim-free Discount
Anti-Theft Device DiscountDefensive Driver Discount
Bundle DiscountsEmergency Road Assistance Discount
Early Shopper DiscountFast 5 Discount®
Good Student DiscountGood Driver Discount
Homeowner DiscountGood Student Discount
Military DiscountHomeowners Discount
Multi-Car DiscountMulti-car Discount
Multi-Policy DiscountMulti-policy Discount
Online Purchase DiscountsOnline Shopper® Discount
Paperless Policy DiscountPaid-in-full Discount
Pay-in-Full DiscountRenters Plus® Discount
Preferred Payment DiscountSafety Device Discount
Righttrack telematics device discountSwitch & Save® Discount
Student-Away-at-School Discount
Violation Free Discount

Pros & Cons of Liberty Mutual & Esurance

Pros

Liberty Mutual
  • Telematics devices that track driving behaviors can save safe drivers up to30%.
  • Liberty Mutual Deductible Fund, which reduces and eliminates yourdeductible.
  • Accident forgiveness for your first accident.
  • Lifetime auto repair guarantee at one of 2,000 guaranteed repair networkfacilities.
  • Original parts replacement ensures that you will only be sold parts made bythe manufacturer, not a third party.
Esurance
  • Very few complaints from customers.
  • It has fewer customer complaints than the industry median, relative to itssize.
  • Backed by Allstate, a large insurer that is financially sound.
  • Esurance is available in most states.

Cons

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.
Esurance
  • Does not score very high on the repair process
  • Prices are a bit higher than other budget insurers like Progressive andGeico

Liberty Mutual or Esurance Mobile Apps Options

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

The Esurance mobile app is available for iOS and Android.

Liberty Mutual Mobile App
iTunes     4.826.6K user reviews
Google Play     4.23.8K user reviews
Esurance Mobile App
iOS     4.81,194 user reviews
Android     4.78,655 user reviews

Liberty Mutual & Esurance Contact Info

Liberty Mutual Contact Info
Address 175 Berkeley Street, Boston, Massachusetts
Phone 1 (888) 398-8924
Website www.libertymutual.com
Facebook www.facebook.com/libertymutual
Twitter www.twitter.com/libertymutual
Youtube www.youtube.com/libertymutual
Linkedin www.linkedin.com/company/liberty-mutual-insurance
Esurance Contact Info
Address 650 Davis Street, San Francisco, CA 94111
Phone 1-800--378-7262
Website https://www.esurance.com/
Facebook https://www.facebook.com/Esurance/
Twitter https://twitter.com/esurance
Youtube https://www.youtube.com/channel/UCpp4vbWpy_aTBhmhigENpHw
Linkedin https://www.linkedin.com/company/esurance/

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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