Auto-Owners vs Liberty Mutual
Last updated July 2026
Auto-Owners
The 'no problem' people
Advantages
- Consistently top J.D. Power scores for claims and customer satisfaction
- Diminishing deductible and accident forgiveness available on eligible policies
- Green Deductible waives up to $250 of your deductible for a claim-free year
- Strong bundling discounts with home, life, and umbrella policies
- Available in 26 states across the Midwest, Southeast, and Mid-Atlantic
Drawbacks
- Quotes only through independent agents, no online purchase
- Not available on the West Coast or in the Northeast
- Digital tools trail Progressive and Geico for on-the-go management
Liberty Mutual
Only pay for what you need
Advantages
- Coverage customization tool lets you drop coverages you don't want
- RightTrack telematics can drop premiums up to 30% for safe drivers
- Accident forgiveness available after four years claim-free
- Wide bundling menu across auto, home, boat, motorcycle, and umbrella
- Available in all 50 states with mixed direct and agent channels
Drawbacks
- Base rates run above average in many states
- Claims satisfaction scores are middle-of-pack in recent J.D. Power studies
- Marketing-heavy quoting funnel can feel pushy without an agent
Auto-Owners and Liberty Mutual both play in auto insurance, but they're aimed at different buyers. Auto-Owners is built for drivers in Auto-Owners' 26 states who want elite service and don't mind an agent-only process. Liberty Mutual is built for drivers who want to trim optional coverages and DIY their policy. Which one fits depends on which of those descriptions sounds more like you.
Feature Comparison
| Feature | Auto-Owners | Liberty Mutual |
|---|---|---|
| Typical Monthly Cost | Avg $115-$170/mo before bundling | Avg $160-$215/mo; discounts stack quickly |
| Quote Process | Independent agent only | Online, phone, or captive agent |
| Available Discounts | Multi-policy, safe driver, diminishing deductible, paid-in-full, good student | RightTrack, multi-policy, homeowner, paid in full |
| Claims Experience | 24/7 phone, agent-assisted, app for basic submission | App, phone, 24/7 online submission |
| Customer Support | Independent agents, phone | Phone, chat, app, captive agents |
| Coverage Options | Liability, collision, comprehensive, gap, roadside, rideshare in some states | Liability, collision, comprehensive, gap, new-car replacement |
| Mobile App Quality | Basic, ID cards, payments, simple claim start | Solid, RightTrack, claims, ID cards |
| Bundling Options | Auto, home, life, umbrella, business, boat | Auto, home, boat, motorcycle, umbrella |
Auto-Owners Wins
Auto-Owners takes it overall (9/10 vs 7/10), but Liberty Mutual is still the sharper pick for drivers who want to trim optional coverages and DIY their policy.
Auto-Owners's standout strength: Consistently top J.D. Power scores for claims and customer satisfaction. Its biggest drawback (quotes only through independent agents, no online purchase) is easier to live with than Liberty Mutual's (base rates run above average in many states). Liberty Mutual isn't out of the running though — its own standout strength is coverage customization tool lets you drop coverages you don't want. If you fit the profile of drivers who want to trim optional coverages and DIY their policy, that alone can flip the decision.
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