Liberty Mutual vs USAA Car Insurance for 2023
Liberty Mutual vs USAA: Comparing Car Insurance Coverage, Customer Service, and Affordability for Drivers in the US
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Melanie Musson
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Published Insurance Expert
UPDATED: Apr 11, 2023
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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Apr 11, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
When it comes to car insurance, finding the right provider can make all the difference in the world. Two companies that are often compared are Liberty Mutual car insurance and USAA car insurance. Liberty Mutual is known for its customizable policies, while USAA offers a wide range of insurance products. In this article, we’ll compare Liberty Mutual and USAA car insurance, so you can make an informed decision about which provider is right for you.
Company History and Mission
Liberty Mutual was founded in 1912 and has grown to become one of the largest insurance providers in the world. The company’s mission is to help people live safer, more secure lives by providing quality insurance products and services. Liberty Mutual offers a variety of insurance products, including car, home, and life insurance, as well as personal liability and identity theft protection.
USAA was founded in 1922 and has since become one of the leading providers of insurance and financial services to military members and their families. USAA’s mission is to serve those who serve by offering competitive insurance products, banking, investments, and retirement options. While USAA primarily serves military members and their families, the company also offers insurance products to non-military members in select states.
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Products and Services
Liberty Mutual offers customizable car insurance policies that allow you to choose the coverage that fits your needs and budget. Some of the coverage options include liability, collision, comprehensive, uninsured motorist, and personal injury protection. Liberty Mutual also offers additional coverage options, such as rental car reimbursement and roadside assistance.
USAA offers similar coverage options as Liberty Mutual, including liability, collision, comprehensive, uninsured motorist, and personal injury protection. USAA also offers additional coverage options, such as rental reimbursement, accident forgiveness, and roadside assistance. In addition to car insurance, USAA offers a variety of insurance products, including home, renters, and life insurance, as well as banking and investment options.
Cost of Services and States Where They Are Offered
The cost of car insurance varies depending on several factors, including your driving history, the type of car you drive, and where you live. Both Liberty Mutual and USAA offer competitive pricing, but it’s important to compare quotes to find the best price for your specific situation.
Liberty Mutual offers car insurance in all 50 states, while USAA offers car insurance in 50 states and the District of Columbia. However, USAA only offers insurance products to military members, veterans, and their families.
Discounts Available to Customers
Both Liberty Mutual and USAA offer a variety of discounts to their customers. Some of the discounts offered by Liberty Mutual include:
- Multi-car discount
- Safe driver discount
- Good student discount
- Homeowner discount
- Accident forgiveness
USAA offers similar discounts, as well as discounts for military members and their families. Some of the discounts offered by USAA include:
- Safe driver discount
- Good student discount
- Military installation discount
- Defensive driving course discount
- Family discount
It’s important to note that discounts vary by state and may not be available in all areas. To find out which discounts you qualify for, it’s best to contact a representative from each company.
Customer Reviews
When it comes to car insurance, customer reviews can provide valuable insight into the quality of the company’s products and services. Liberty Mutual has an A+ rating from the Better Business Bureau, indicating that the company has a good track record of responding to customer complaints. However, some customers have reported issues with Liberty Mutual’s claims process, citing slow response times and difficulty communicating with representatives.
USAA has received high marks from customers, with a 4.8 out of 5 rating on Trustpilot. Customers praise USAA’s customer service, ease of filing claims, and competitive pricing. However, some customers have reported issues with USAA’s coverage options, citing limited availability in certain areas.
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FAQ
Q: What is the difference between Liberty Mutual and USAA car insurance?
A: While both companies offer similar coverage options, Liberty Mutual offers customizable policies, while USAA offers a wider range of insurance products and services.
Q: Does Liberty Mutual offer discounts to military members?
A: Liberty Mutual offers a military discount to active and retired military members and their families.
Q: Does USAA offer insurance products to non-military members?
A: USAA offers insurance products to non-military members in select states.
Q: Does USAA offer coverage for classic cars?
A: Yes, USAA offers coverage for classic cars.
Q: Does Liberty Mutual offer accident forgiveness?
A: Yes, Liberty Mutual offers accident forgiveness as an additional coverage option.
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Melanie Musson
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Published Insurance Expert
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.