Esurance vs. Liberty Mutual Car Insurance Comparison [2025]
Esurance and Liberty Mutual are reputable car insurance companies. Esurance boasts an easy-to-use website. Liberty Mutual is the second-largest car insurance company in the US.
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Table of Contents
Table of Contents
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Dani Best
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Michael Vereecke
Updated November 2023
- Esurance prides itself on their easy-to-use website
- Liberty Mutual has a long history and is the second largest insurer of cars in the United States
- You will need to compare your specific quotes from each to see which one could save you more money
Should you choose Esurance or Liberty Mutual for your car insurance needs?
Read through this Esurance/Liberty Mutual comparison and then enter your zip code in to get your free car insurance comparison from many top auto insurance companies!
Background on Esurance
Esurance is a relatively new insurance company, with a heavy emphasis placed on auto insurance. Their auto insurance is available to most of the United States population in 43 different states.
Esurance offers auto insurance, motorcycle insurance, home insurance, renters insurance, life insurance, and health insurance.
Their combination of easy to use services and knowledgeable sales and claims adjusters makes them a leading competitor in the insurance market.
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Benefits of Esurance
One major positive feature of Esurance is its easy-to-use website, which can be easily navigated by current customers and new shoppers alike.
After filling out a basic form and offering up vehicle information, driver history, and other relevant details, quotes can be obtained in as little as ten minutes.
The speediness of the quote makes the online experience extremely helpful.
When you receive your quote, you are given a comparable table in which you can compare your Esurance quote against other leading auto insurance companies.
Esurance Claims Service
If you take your vehicle to an Esurance-approved auto repair shop, the repairs are guaranteed as long as you are covered.
Claims can also be made online, and it can take as little as 1-3 days to receive damages from a standard claim. Overall, the user-friendliness of the website, coupled with the professionalism of the sales and claims staff makes Esurance a leading auto insurance company.
History of Liberty Mutual
In comparison, Liberty Mutual is one of the oldest auto insurance companies in the United States. Founded in 1912, Liberty Mutual offers auto, home, and life insurance.
Liberty Mutual is the United State’s second largest auto insurer and has won numerous awards for coverage, pricing, and customer service.
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Liberty Mutual Insurance Products
The variety of services that Liberty Mutual offers is what sets it apart from its competitors. They offer business insurance for unincorporated business owners, ranging from property risk, specialty risk, and high-risk workers compensation.
Liberty Mutual Customer Service
Liberty Mutual’s customer service is widely renowned as being one of the best in the business.
- Agents – In order to file a claim, customers of Liberty Mutual can contact and agent 24/7 via their customer service center, or can also visit one of the 400 Liberty Mutual locations nationwide.
- Online – The convenience of Liberty Mutual online also adds another degree of positivity to the Liberty Mutual experience. New customers can obtain quotes, get various price ranges, and compare prices with other companies other than Liberty Mutual, including lower priced insurance companies.
- “Manage Your Claim” – This feature online allows customers to track the status of their claim, including judgments, awards, and payment information. This allows Liberty Mutual customers to be fully informed in all relative aspects of their claims.
Liberty Mutual or Esurance?
Overall, both Liberty Mutual and Esurance provide excellent sources of various different forms of insurance, with convenient online options, as well as friendly, and knowledgeable sales staff.
Be sure to compare not just Esurance against Liberty Mutual but to compare quotes from many top companies. Enter your zip code in to get started now!
Frequently Asked Questions
What is the difference between Esurance and Liberty Mutual car insurance?
Esurance and Liberty Mutual are both well-known car insurance providers, but they have distinct differences. Esurance is an online-based insurance company that offers affordable rates and a user-friendly digital experience. Liberty Mutual, on the other hand, is a traditional insurance company with a nationwide presence, providing a range of coverage options and personalized service through local agents.
Which company offers better rates, Esurance or Liberty Mutual?
It’s important to note that insurance rates can vary based on multiple factors such as the driver’s age, location, driving history, and the type of vehicle being insured. While both Esurance and Liberty Mutual aim to provide competitive rates, it is recommended to obtain personalized quotes from each company to determine which one offers better rates for your specific circumstances.
What types of coverage options are available with Esurance and Liberty Mutual?
Esurance and Liberty Mutual offer similar types of coverage, including liability coverage, collision coverage, comprehensive coverage, personal injury protection (PIP), uninsured/underinsured motorist coverage, and more. However, specific coverage options, limits, and additional features can vary between the two companies. It is advisable to review the policies and speak with representatives from both companies to fully understand the coverage options available.
How can I file a claim with Esurance or Liberty Mutual?
Esurance and Liberty Mutual have streamlined processes for filing claims. Esurance provides an online claims center where policyholders can submit claims electronically. They also offer a mobile app for easy access to claims services. Liberty Mutual has a dedicated claims department reachable through their website or by phone. They also have a mobile app that allows policyholders to initiate the claims process and track the progress.
Are there any discounts available with Esurance or Liberty Mutual?
Both Esurance and Liberty Mutual offer various discounts to help policyholders save on their car insurance premiums. These discounts may include safe driving discounts, multi-policy discounts, multi-vehicle discounts, good student discounts, and more. It is recommended to inquire about available discounts directly with each company to determine which ones you may qualify for.
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