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 $313.25 per month while Sentry comes in at around $285.55 per month. For Liberty Mutual, the cheapest state average is North Carolina at $90.18 per month and the most expensive is Delaware at $864.88 per month. For Sentry, the cheapest state average is Idaho at $151.00 per month and the most expensive is Delaware at $497.70 per month.

Liberty Mutual

Average Rate

$313.25
Sentry

Average Rate

$285.55
National

Average Rate

$120.03
State Liberty Mutual Sentry
Arkansas $360.40 $246.05
Connecticut $401.80 -
Delaware $864.88 $497.70
Idaho- $151.00
Iowa $286.56 $160.18
Maryland $368.58 -
Massachusetts $246.79 -
Mississippi $481.31 -
Nebraska $296.41 -
Nevada $276.14 -
New Hampshire $226.70 -
New York $420.74 -
North Carolina $90.18 -
Ohio $235.48 -
Oregon- $279.06
Pennsylvania $326.84 $357.90
Rhode Island $373.83 -
Tennessee $243.32 -
Washington $194.31 $236.38
West Virginia- $341.40
Wisconsin $268.70 $193.02

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

Number of Vehicles Liberty Mutual Sentry
1 Vehicle $298.49 $268.81
2 Vehicles $370.42 $342.08
3 Vehicles $ $453.44

Liberty Mutual vs. Sentry: 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 $281.77 per month and Sentry charges $266.58 per month for customers who own their home.

Own/Rent Liberty Mutual Sentry
Own $281.77 $266.58
Rent $326.96 $294.48

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.

ComparisonLiberty MutualSentry
Year Founded19121904
Market Share5%
A.M. Best RatingaA+
BBB RatingA-A+
Financial StrengthExcellentExcellent
JD Power RankingAbout Average
Moody’s RatingA2
NAIC Complaint Ratio4.55
S&P RatingA

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.

InsuranceLiberty MutualSentry
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 MutualSentry
Accident Free DiscountDriving Course Discounts
Advanced Safety Features DiscountHomeowners Discount
Alternative Energy DiscountMulti-vehicle Discount
Anti-Theft Device DiscountPayment Frequency Discounts
Bundle DiscountsTransfer Discount
Early Shopper DiscountVehicle 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
  • 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.
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     4.826.6K user reviews
Google Play     4.23.8K user reviews
Sentry Mobile App
iOS     2.75 user reviews
Android     3.18 user reviews

Liberty Mutual & Sentry Contact Info

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
Sentry Contact Info
Address1800 North Point Drive, Stevens Point, WI 54481
Phone1 (800) 473-6879
Websitehttps://www.sentry.com/
Facebookhttps://www.facebook.com/SentryInsurance/
Twitterhttps://twitter.com/SentryInsurance
Youtubehttps://www.youtube.com/channel/UC8e_0-7XichFIuDa-JI54gQ
Linkedinhttps://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.

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