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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 $336.37 per month while Esurance comes in at around $169.42 per month. For Liberty Mutual, the cheapest state average is Connecticut at $121.03 per month and the most expensive is Oklahoma at $477.29 per month. For Esurance, the cheapest state average is California at $126.50 per month and the most expensive is New York at $330.65 per month.
Average Rate
Average Rate
Average Rate
| State | Liberty Mutual | Esurance |
|---|---|---|
| Arizona | - | $173.31 |
| California | - | $126.50 |
| Connecticut | $121.03 | - |
| Indiana | $212.20 | - |
| Iowa | $270.89 | - |
| Michigan | $348.93 | $219.92 |
| Nevada | $465.40 | - |
| New Jersey | - | $199.46 |
| New York | - | $330.65 |
| North Carolina | $468.20 | - |
| Oklahoma | $477.29 | - |
| Pennsylvania | - | $185.04 |
| Texas | - | $182.89 |
Liberty Mutual vs. Esurance: Rates by Number of Vehicle
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 | $335.57 | $163.60 |
| 2 Vehicles | $350.73 | $222.04 |
Liberty Mutual vs. Esurance: Rates by Homeownership
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Liberty Mutual charges $287.25 per month and Esurance charges $173.30 per month for customers who own their home.
| Own/Rent | Liberty Mutual | Esurance |
|---|---|---|
| Own | $287.25 | $173.30 |
| Rent | $348.21 | $168.88 |
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 Mutual | Esurance |
|---|---|
| Accident Free Discount | Anti-lock Brakes Discount |
| Advanced Safety Features Discount | Anti-theft Discount |
| Alternative Energy Discount | Claim-free Discount |
| Anti-Theft Device Discount | Defensive Driver Discount |
| Bundle Discounts | Emergency Road Assistance Discount |
| Early Shopper Discount | Fast 5 Discount® |
| Good Student Discount | Good Driver Discount |
| Homeowner Discount | Good Student Discount |
| Military Discount | Homeowners Discount |
| Multi-Car Discount | Multi-car Discount |
| Multi-Policy Discount | Multi-policy Discount |
| Online Purchase Discounts | Online Shopper® Discount |
| Paperless Policy Discount | Paid-in-full Discount |
| Pay-in-Full Discount | Renters Plus® Discount |
| Preferred Payment Discount | Safety Device Discount |
| Righttrack telematics device discount | Switch & 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 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.
Esurance
- Very few complaints from customers.
- It has fewer customer complaints than the industry median, relative to its size.
- Backed by Allstate, a large insurer that is financially sound.
- Esurance is available in most states.
Cons
Liberty Mutual
Esurance
- Does not score very high on the repair process
- Prices are a bit higher than other budget insurers like Progressive and Geico
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 | 4.8 | 26.6K user reviews |
| Google Play | 4.2 | 3.8K user reviews |
| Esurance Mobile App | ||
|---|---|---|
| iOS | 4.8 | 1,194 user reviews |
| Android | 4.7 | 8,655 user reviews |
Liberty Mutual & Esurance Contact Info
| Liberty Mutual Contact Info | |
|---|---|
| Address | 175 Berkeley Street, Boston, Massachusetts |
| Phone | 1 (888) 398-8924 |
| Website | https://www.libertymutual.com |
| https://www.facebook.com/libertymutual | |
| https://www.twitter.com/libertymutual | |
| Youtube | https://www.youtube.com/libertymutual |
| https://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/ |
| https://www.facebook.com/Esurance/ | |
| https://twitter.com/esurance | |
| Youtube | https://www.youtube.com/channel/UCpp4vbWpy_aTBhmhigENpHw |
| 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.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
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