Esurance vs. Liberty Mutual

Esurance is so cheap because the company offers a wide variety of discounts that almost anyone can get. A minimum coverage policy from Esurance costs an average of $102 per month, and Esurance premiums can be made even cheaper by taking advantage of discounts such as safety features discounts and roadside assistance discount. Plus, Esurance rewards customer loyalty with discounts for insuring more than one car and bundling multiple policies, such as home and auto.    

Average Monthly Rates for Esurance vs. Top Competitors

Note: Premiums are representative of a 45-year-old good driver in CA; individual premiums will vary.

Keep in mind that every insurance company determines its rates differently, and your final premium is based on a variety of factors, such as your driving record, insurance history, and more. If you want to learn more, you can check out WalletHub's review of Esurance.    

To get Liberty Mutual affiliation discounts, a customer must be a member of the military, a teacher, a full-time student, a member of an affiliated credit union, or an employee of an affiliated company. Liberty Mutual affiliation discounts get qualifying policyholders a percentage off their premium.  

Liberty Mutual Affiliation Discounts

• Military: A discount if at least one member of the household is active, retired, or reserved in the United State Armed Forces....

Yes, Liberty Mutual has free towing for customers with their roadside assistance coverage. Liberty Mutual roadside assistance, generally costs Liberty-Mutual-roadside-annual and includes free towing to the nearest repair facility. Liberty Mutual customers can request roadside assistance online, or they can call 1-800-426-9898.

Liberty Mutual Roadside Assistance Covers:

• Towing to the nearest repair facility
• Flat tire changes    
• Jump starts
• Gasoline delivery
• Lockout services

While Liberty Mutual...

Esurance offers discounts for bundling car insurance with a renters insurance policy and for safe drivers who use the company's DriveSense app. Esurance only advertises these two discounts on its website, but customer service representatives say that additional discounts are often available, depending on the state. For instance, policyholders in some states can save if their vehicle has qualifying safety features or if they are affiliated with certain employers or universities. 

Esurance Discounts List

Liberty Mutual has rideshare insurance that it offers through Lyft and Uber in select states as one of the rideshare companies' official auto insurance providers. However, Liberty Mutual does not sell rideshare insurance directly to drivers as an add-on for personal car insurance policies.

Lyft drivers in Arizona, Michigan, New Mexico, Texas, and Utah are covered by Liberty Mutual while their Lyft app is on. Similarly, Uber drivers in Connecticut, Rhode Island, Vermont, New...

The main Esurance NAIC number is 25712. Esurance's NAIC number is the five-digit code given by the National Association of Insurance Commissioners (NAIC), which assigns numbers to authorized insurance providers in order to track customer complaints and ethics violations across state lines.

With Esurance's NAIC number, anyone can learn more about the company's financial data, the kinds of complaints that have been filed by customers, and any enforcement actions taken against the company. Customers...

Yes, Liberty Mutual has glass coverage for customers with comprehensive insurance. Liberty Mutual customers can file a glass claim under their comprehensive coverage if their windshield was damaged due to something besides an accident, such as an animal, a weather event, or vandalism. If the windshield was damaged in a crash, drivers can file a claim with their collision insurance if they were at fault or with the at-fault driver's liability coverage.

Fixing a cracked or chipped windshield is...

Yes, Liberty Mutual will pay for windshield replacement or repair services for customers who have comprehensive coverage. Liberty Mutual waives the comprehensive deductible for windshield repairs, though customers will still need to pay their deductible for full replacement unless their policy or a state law says otherwise.

If you live in Florida, Kentucky, or South Carolina, you will not need to pay your deductible for windshield replacement or repairs. Additionally, insurance companies in Arizona, Connecticut,...

Yes, Liberty Mutual offers SR-22 insurance to drivers who have been classified as “high-risk” by their state. Liberty Mutual will file an SR-22 form with the state on a customer's behalf as well as provide the insurance coverage necessary to meet the state's SR-22 requirements. On average, drivers will need to maintain SR-22 insurance for three years.

Key Things to Know About Liberty Mutual SR-22 Insurance

• Liberty Mutual typically charges a $15...

Liberty Mutual may charge customers in some states a cancellation fee for canceling their coverage mid-policy, depending on the insurance regulations in the state. Drivers can cancel a Liberty Mutual policy by calling 1-800-290-8711, mailing a written cancellation request, or visiting the nearest agent in person.

Liberty Mutual customers will receive a refund for any unused premiums, minus the cancellation fee. So, if you're canceling your Liberty Mutual policy in order to switch to a cheaper company, be sure to factor...