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Liberty Mutual vs. Sentry Insurance
Which insurance provider is right for you? Compare savings, cost, and quotes from Liberty Mutual and Sentry.
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Liberty Mutual vs. Sentry: 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.
Sentry insurance specializes in business insurance and its subsidiary, Dairyland, sells high-risk car insurance, which includes SR-22 and FR-44 filings.
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 Sentry Overview.
Liberty Mutual vs. Sentry: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with Liberty Mutual and Sentry. On average, Liberty Mutual charges approximately $323.63 per month while Sentry comes in at around $250.47 per month. For Liberty Mutual, the cheapest state average is Connecticut at $118.14 per month and the most expensive is Oklahoma at $477.29 per month. For Sentry, the cheapest state average is Washington at $259.82 per month and the most expensive is Pennsylvania at $266.16 per month.
Average Rate
Average Rate
Average Rate
| State | Liberty Mutual | Sentry |
|---|---|---|
| Connecticut | $118.14 | - |
| Indiana | $220.48 | - |
| Iowa | $270.89 | - |
| Kentucky | $276.46 | - |
| Michigan | $370.80 | - |
| Nevada | $439.23 | - |
| North Carolina | $395.19 | - |
| Oklahoma | $477.29 | - |
| Pennsylvania | - | $266.16 |
| Washington | - | $259.82 |
Liberty Mutual vs. Sentry: 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 Sentry typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | Liberty Mutual | Sentry |
|---|---|---|
| 2 Vehicles | $318.42 | $ |
| 1 Vehicle | $327.08 | $248.85 |
Liberty Mutual vs. Sentry: 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 $301.42 per month and Sentry charges $272.94 per month for customers who own their home.
| Own/Rent | Liberty Mutual | Sentry |
|---|---|---|
| Own | $301.42 | $272.94 |
| Rent | $328.66 | $246.45 |
What is Liberty Mutual and Sentry Insurance Rating?
Which car insurance company is better? We've made it easy to compare companies side by side. See how Liberty Mutual and Sentry ranked among the industry ratings.
| Comparison | Liberty Mutual | Sentry |
|---|---|---|
| Year Founded | 1912 | 1904 |
| Market Share | 5% | |
| A.M. Best Rating | a | A+ |
| BBB Rating | A- | A+ |
| Financial Strength | Excellent | Excellent |
| JD Power Ranking | About Average | |
| Moody’s Rating | A2 | |
| NAIC Complaint Ratio | 4.55 | |
| S&P Rating | A |
Liberty Mutual or Sentry: Insurance Products Offered
What coverage is available through Liberty Mutual and Sentry? Both insurance companies offer Auto, Commercial, and Home insurance. Additional products from Liberty Mutual insurance also includes Condo, Health, Pet, Renters, 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 Sentry Insurance page.
| Insurance | Liberty Mutual | Sentry |
|---|---|---|
| Auto Insurance | ✔ | ✔ |
| Commercial Insurance | ✔ | ✔ |
| Condo Insurance | ✔ | |
| Health Insurance | ✔ | |
| Home Insurance | ✔ | ✔ |
| Life Insurance | ✔ | |
| Pet Insurance | ✔ | |
| Renters Insurance | ✔ | |
| RV Insurance | ✔ | |
| SR22/FR44 | ✔ | |
| Umbrella Insurance | ✔ |
Liberty Mutual or Sentry: Ways To Save
Sentry offers a wide range of discounts to its policyholders, including Homeowners, Multi-vehicle, and Payment Frequencys discounts. In contrast, Liberty Mutual also offers a few discounts that Sentry 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 Sentry 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 | Sentry |
|---|---|
| Accident Free Discount | Driving Course Discounts |
| Advanced Safety Features Discount | Homeowners Discount |
| Alternative Energy Discount | Multi-vehicle Discount |
| Anti-Theft Device Discount | Payment Frequency Discounts |
| Bundle Discounts | Transfer Discount |
| Early Shopper Discount | Vehicle Safety Feature Discounts |
| 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 & Sentry
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.
Sentry
- Sentry offers a comprehensive suite of business insurance products.
- Sentry offers high-risk insurance through Dairyland Insurance.
Cons
Liberty Mutual
Sentry
- Sentry does not offer basic car insurance to the average driver, only high-risk drivers through Dairyland and auto insurance for business fleets and cars.
Liberty Mutual or Sentry 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 Sentry Mobile parking app is available for iOS and Android. The app interacts with your parking meter in real-time and lets you buy time on an MPS parking meter. You can also access a map of nearby meters and parking space availability.
| Liberty Mutual Mobile App | ||
|---|---|---|
| iTunes | 4.8 | 26.6K user reviews |
| Google Play | 4.2 | 3.8K user reviews |
| Sentry Mobile App | ||
|---|---|---|
| iOS | 2.7 | 5 user reviews |
| Android | 3.1 | 8 user reviews |
Liberty Mutual & Sentry 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 | |
| Sentry Contact Info | |
|---|---|
| Address | 1800 North Point Drive, Stevens Point, WI 54481 |
| Phone | 1 (800) 473-6879 |
| Website | https://www.sentry.com/ |
| https://www.facebook.com/SentryInsurance/ | |
| https://twitter.com/SentryInsurance | |
| Youtube | https://www.youtube.com/channel/UC8e_0-7XichFIuDa-JI54gQ |
| https://www.linkedin.com/company/sentry/ | |
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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