By the Five Star Insurance Reviews editorial team ยท Updated October 13, 2026
Liberty Mutual vs Nationwide: which fits you better?
Neither carrier is the cheapest for everyone. This guide compares general features so you know what to ask when quotes arrive.
| Liberty Mutual | Nationwide | |
|---|---|---|
| Best for | Drivers who want to tailor coverage | Drivers interested in accident forgiveness |
| Strengths | Wide menu of optional coverages Multi-policy discounts | Accident forgiveness may be offered (eligibility varies) Flexible policy customization |
| Watch out for | Add-ons can raise the price quickly | Availability of features differs by state |
Swipe sideways if the table is cut off.
Where they differ
What they share
- Rewards bundling home and auto
- Wide menu of customizable coverage
Sold through, availability and programs
| Liberty Mutual | Nationwide | |
|---|---|---|
| Sold through | Online, by phone and through agents | Independent agents, online quotes or by phone |
| Where available | All 50 states and DC | 46 states and DC (not Alaska, Hawaii, Louisiana or Massachusetts) |
| AM Best rating | A | A+ or A (sources differ) |
| Usage-based program | RightTrack, with a 90-day review period | SmartRide, and SmartMiles pay-per-mile |
Swipe sideways if the table is cut off.
Details verified October 2026 from carrier websites, AM Best and published reviews. AM Best ratings and state availability can change, so confirm with the carrier and at ambest.com.
Who each fits best
- Liberty Mutual tends to suit drivers who want to tailor coverage.
- Nationwide tends to suit drivers interested in accident forgiveness.
How to decide
- Match the carrier to how you like to buy and manage a policy.
- Compare the same coverage limits and deductibles on every quote.
- Ask each carrier which discounts are applied.
Based on each carrier’s published features. Details vary by state, so confirm with each carrier.
Read the full reviews: Liberty Mutual and Nationwide.
Related comparisons
FAQs
Is Liberty Mutual or Nationwide cheaper?
It depends on you. Each carrier weighs age, location, vehicle and history differently, so compare personal quotes from both.
Who is each company best for?
Liberty Mutual tends to suit drivers who want to tailor coverage. Nationwide tends to suit drivers interested in accident forgiveness.
Can I get quotes from both?
Often yes. Request quotes through our partner and compare the offers side by side.
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