Liberty Mutual vs. USAA Car Insurance Comparison [2024]
Compare car insurance for Liberty Mutual vs USAA by looking at rates and customer satisfaction. J.D. Powers ranked both companies on customer satisfaction, and USAA ranked 5 while Liberty Mutual ranked 3 out of 5.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Nov 7, 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 company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 7, 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 company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Both Liberty Mutual and USAA are leaders in the American auto insurance industry
- Liberty Mutual offers car insurance as well as homeowners, property and casualty coverage
- USAA also offers a wide range of insurance including investment and banking
- USAA ranked highest in a 2009 J.D. Powers & Associates survey of consumer satisfaction
Insurance policies and quotes can be radically different between companies. Liberty Mutual vs USAA auto insurance policies have important differences and similarities that can impact which one you will choose.
Should you purchase car insurance from USAA or Liberty Mutual?
Well, read on to complete this USAA Liberty Mutual car insurance comparison and then enter your zip above for free quotes today!
Liberty Mutual’s Early Start
Liberty Mutual began in 1912 as Massachusetts Employee Insurance Association (MEIA). They took advantage of a new Massachusetts law that required employers have worker compensation insurance starting in 1911.
By 1914, MEIA expanded to selling automobile insurance. MEIA changed its name to Liberty Mutual Insurance Company in 1917 and also added public liability insurance to its products.
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Liberty Mutual’s Financial Strength
Today Liberty Mutual is the fifth biggest Property and Casualty insurance company within the US. It employs over 45,000 individuals. A. M. Best gave Liberty Mutual an excellent (A) rating. In 2008, Liberty Mutual financial holdings included:
- Consolidated assets – $104.3 billion
- Annual consolidated revenue – $28.9
- Consolidated liabilities – $94.2 billion
What Product Lines Does Liberty Mutual Offer?
Over 400 offices in the US provide a comprehensive range of personal insurance and financial services such as:
- Life insurance
- Personal liability
- Auto insurance
- Homeowners insurance
- High-value personal possessions
- Annuities
Liberty Mutual provides commercial insurance products to companies that have over 250 employees. Some of these products include:
- Fire
- Surety
- Group life
- Group disability
- Worker’s compensation
- Commercial automobile
- Commercial peril
- General liability
- Global specialty
This company operates in 14 countries and across 5 continents.
How is Liberty Mutual’s Customer Satisfaction?
J. D. Powers & Associates surveys customers to collect consumer satisfaction ratings on major insurance companies. In 2009, J. D. Powers & Associates studied homeowners and automobile insurance. It used a ranking system of 1 to 5. The 1 meant “less than the rest” of the companies and the 5 meant “among the best” of the companies. Here are Liberty Mutual’s results.
The ratings first list automobile then homeowners insurance ratings second.
- Customer overall experience – 3, 3
- Policies offer – 3, 3
- Pricing -3, 3
- Contact with insurer – 3, 3
- Payment and billing – 3, 3
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How Did USAA Start?
The United Services Automobile Association (USAA) was created in 1922. A team of officers in the Army formed USAA to self-insure one another. This happened after private auto insurance companies refused to cover them because of occupational high-risk.
USAA set-up offices in Frankfurt, Germany and London, England in its first few years. Today its headquarters are in San Antonio, Texas. In 1924, it offered auto insurance to servicemen in all branches of the military.
USAA currently provides policies to active and former members of the Armed Forces and their family members. It also includes members of the National Guard, Officer Academy, ROTC, OCS/OTS programs.
USAA Product Lines
USAA uses its employees to offer potential customers products and financial services instead of using insurance agents. Several of those insurance products include:
- Property and casualty
- Automobile
- Homeowners
- Renters
- Annuities
- Whole and term life
- Financial planning
- Investment
- Banking
How Does USAA Rank With Its Customers?
J. D. Powers & Associate’s 2009 insurance industry study also included USAA. The results for USAA showed the highest rating of 5 in all categories for auto and homeowner insurance.
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Comparing Quotes from USAA and Liberty Mutual
Before you make a buying decision be sure to compare quotes from Liberty Mutual and USAA and many other car insurance companies — enter your zip to start now!
Frequently Asked Questions
What is the background of Liberty Mutual?
Liberty Mutual, originally known as Massachusetts Employee Insurance Association (MEIA), started in 1912. It expanded to offer automobile insurance in 1914 and changed its name to Liberty Mutual Insurance Company in 1917.
What is the financial strength of Liberty Mutual?
Liberty Mutual is currently the fifth-largest Property and Casualty insurance company in the US. It has an excellent (A) rating from A.M. Best and employs over 45,000 individuals.
What insurance products does Liberty Mutual offer?
Liberty Mutual offers a comprehensive range of personal insurance and financial services, including auto, home, and life insurance. They also provide commercial insurance products for companies with over 250 employees.
How is Liberty Mutual’s customer satisfaction?
According to J.D. Power & Associates, Liberty Mutual received a customer satisfaction rating of 3 out of 5 for auto insurance.
What is the background of USAA?
The United Services Automobile Association (USAA) was created in 1922 by a team of officers in the Army to self-insure one another. It initially offered auto insurance to servicemen and expanded to provide policies to active and former members of the Armed Forces and their families.
What insurance products does USAA offer?
USAA offers a range of insurance products, including auto, home, renters, and life insurance. They also provide financial services to their members.
How does USAA rank in customer satisfaction?
According to J.D. Power & Associates, USAA received the highest rating of 5 out of 5 in both auto and homeowners insurance customer satisfaction.
How can I compare quotes from Liberty Mutual and USAA?
To compare quotes from Liberty Mutual, USAA, and other car insurance companies, you can enter your ZIP code above and use the free quote tool.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.