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Liberty Mutual vs. SafeAuto Insurance
Which insurance company is right for you? Compare savings, rates, and quotes from Liberty Mutual and SafeAuto.
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Liberty Mutual vs. SafeAuto: What You Need to Know
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.
SafeAuto is an independently owned property and casualty car insurance carrier based in Columbus, Ohio. Since 1993, SafeAuto has been specializing in providing affordable, state-minimum auto insurance and full comprehensive and collision policies. SafeAuto provides a Certificate of Financial Responsibility (CFR) in the form of an SR22, SR22A or FR44 for customers who need to provide a CFR to a court or state government agency. The company also offers motorcycle, renters, homeowners, business, health, supplemental, dental, accident, life, mechanical repair insurance and more (see full list below). SafeAuto is a leader in direct-to-consumer, minimum-limit coverage across 17 states: Arizona, California, Georgia, Illinois, Indiana, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, and Virginia. The company has service call centers that are open at all hours, every day, including holidays. Customers can also access their insurance information easily using the SafeAuto Insurance Mobile App.
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 Safe Auto Overview.
Liberty Mutual vs. Safe Auto: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with Liberty Mutual and Safe Auto. On average, Liberty Mutual charges approximately $274.88 per month while Safe Auto comes in at around $314.22 per month. For Liberty Mutual, the cheapest state average is Connecticut at $116.87 per month and the most expensive is Nevada at $538.36 per month. For Safe Auto, the cheapest state average is Tennessee at $186.19 per month and the most expensive is Louisiana at $480.18 per month.
Average Rate
Average Rate
Average Rate
| State | Liberty Mutual | Safe Auto |
|---|---|---|
| Alabama | $218.07 | - |
| Arizona | $310.25 | $238.85 |
| Connecticut | $116.87 | - |
| Florida | $167.47 | - |
| Georgia | $227.02 | - |
| Illinois | $224.05 | $261.55 |
| Indiana | $242.11 | $199.09 |
| Iowa | $150.58 | - |
| Kansas | $321.93 | $358.64 |
| Kentucky | $189.98 | $271.28 |
| Louisiana | - | $480.18 |
| Maine | $187.14 | - |
| Michigan | $373.04 | - |
| Minnesota | $143.28 | - |
| Mississippi | $302.61 | $286.56 |
| Missouri | $213.10 | $298.16 |
| Nebraska | $248.24 | - |
| Nevada | $538.36 | - |
| New Hampshire | $216.03 | - |
| New Mexico | $332.11 | - |
| New York | $273.50 | - |
| North Carolina | $256.38 | - |
| Ohio | $233.69 | - |
| Oklahoma | $291.27 | $248.50 |
| Oregon | $200.66 | - |
| Pennsylvania | $310.53 | $261.11 |
| South Carolina | $241.19 | $327.80 |
| Tennessee | $192.36 | $186.19 |
| Texas | $248.89 | $353.89 |
| Virginia | $168.08 | - |
| West Virginia | $201.77 | - |
| Wisconsin | $152.13 | - |
Liberty Mutual vs. Safe Auto: 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 Safe Auto typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | Liberty Mutual | Safe Auto |
|---|---|---|
| 1 Vehicle | $252.71 | $283.83 |
| 2 Vehicles | $320.89 | $455.37 |
| 3 Vehicles | $430.44 | $ |
| 4 Vehicles | $597.31 | $ |
Liberty Mutual vs. Safe Auto: 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 $243.53 per month and Safe Auto charges $328.04 per month for customers who own their home.
| Own/Rent | Liberty Mutual | Safe Auto |
|---|---|---|
| Own | $243.53 | $328.04 |
| Rent | $285.34 | $309.25 |
What is Liberty Mutual and SafeAuto Insurance Rating?
Which car insurance company is better? We've made it easy to compare companies side by side. See how Liberty Mutual and Safeauto ranked among the industry ratings.
| Comparison | Liberty Mutual | SafeAuto |
|---|---|---|
| Year Founded | 1912 | 1993 |
| Market Share | 5% | 1.8% |
| A.M Best Rating | A- | |
| A.M. Best Rating | a | A- |
| BBB Rating | A- | A+ |
| Financial Strength | Excellent | |
| JD Power Ranking | About Average | |
| Moody’s Rating | A2 | |
| NAIC Complaint Index | 1.74 | |
| NAIC Complaint Ratio | 4.55 | |
| S&P Rating | A |
Liberty Mutual or SafeAuto: Insurance Products Offered
What coverage is available through Liberty Mutual and Safeauto? Both insurance companies offer Auto, Commercial, Health, Home, and Renters insurance. Additional products from Liberty Mutual insurance also includes Condo, Pet, RV, and Umbrella 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 Safe Auto Insurance page.
| Insurance | Liberty Mutual | SafeAuto |
|---|---|---|
| Auto Insurance | ✔ | ✔ |
| Commercial Insurance | ✔ | ✔ |
| Condo Insurance | ✔ | |
| Health Insurance | ✔ | ✔ |
| Home Insurance | ✔ | ✔ |
| Life Insurance | ✔ | |
| Motorcycle Insurance | ✔ | |
| Pet Insurance | ✔ | |
| Renters Insurance | ✔ | ✔ |
| RV Insurance | ✔ | |
| SR22/FR44 | ✔ | |
| Umbrella Insurance | ✔ |
Liberty Mutual or SafeAuto: Ways To Save
SafeAuto offers a wide range of discounts to its policyholders, including Good Student, Homeowner, and Multi-vehicle discounts. In contrast, Liberty Mutual also offers a few discounts that SafeAuto 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 SafeAuto 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 | SafeAuto |
|---|---|
| Accident Free Discount | Driver Improvement Course Discounts |
| Advanced Safety Features Discount | Good Student Discount |
| Alternative Energy Discount | Homeowner Discount |
| Anti-Theft Device Discount | Multi-vehicle Discount |
| Bundle Discounts | New Business Transfer |
| Early Shopper Discount | |
| Good Student Discount | |
| Homeowner Discount | |
| Military Discount | |
| Multi-Car Discount | |
| Multi-Policy Discount | |
| Online 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 Liberty Mutual & SafeAuto
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.
SafeAuto
- Affordable state-minimum car insurance.
- R22, SR22A or FR44 as Certificate of Financial Responsibility available.
Cons
Liberty Mutual
SafeAuto
- On average, premiums through SafeAuto cost more than some competitors.
Liberty Mutual or Safeauto Mobile Apps Options
The Liberty Mutual app is available for iOS and Android. This insurance concierge is where you can report accidents or update personal information24/7.
The SafeAuto app is available for iOS and Android. This insurance concierge allows you to see your insurance information and pay premiums.
| Liberty Mutual Mobile App | ||
|---|---|---|
| iTunes | 4.8 | 26.6K user reviews |
| Google Play | 4.2 | 3.8K user reviews |
| SafeAuto Mobile App | ||
|---|---|---|
| iOS | 4.8 | 26.6K user reviews |
| Android | 1.8 | 45 user reviews |
Liberty Mutual & Safeauto 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 | |
| SafeAuto Contact Info | |
|---|---|
| Address | 4 Easton Oval, Columbus, Ohio 43219 |
| Phone | 1 (614) 456-2940 |
| Website | https://www.safeauto.com |
| https://www.facebook.com/SafeAuto/ | |
| https://twitter.com/safeauto | |
| Youtube | https://www.youtube.com/c/safeauto |
| https://www.linkedin.com/company/safeauto-insurance-company/ | |
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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