Root vs Liberty Mutual
Last updated July 2026
Root Insurance
Fair rates based on how you drive
Advantages
- Rates primarily based on how you actually drive
- App-based quoting and claims
- Consistently safe drivers get some of the lowest rates on the market
- No high-pressure sales or agent phone calls
- Roadside assistance available as an affordable add-on
Drawbacks
- Not available in every state
- Requires 2-3 week driving test before quoting
- Limited bundling options
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%
- Accident forgiveness available after four years claim-free
- Wide bundling menu across auto, home, boat, motorcycle, and umbrella
- Available in all 50 states
Drawbacks
- Base rates run above average in many states
- Claims satisfaction middle-of-pack in recent studies
- Marketing-heavy quoting funnel
Root and Liberty Mutual both give you levers to influence your premium, Root through driving behavior, Liberty Mutual through coverage customization. Root rewards demonstrably safe drivers with a low base rate; Liberty Mutual lets you drop unnecessary coverages to lower the bill. Which lever you prefer decides it.
Feature Comparison
| Feature | Root Insurance | Liberty Mutual |
|---|---|---|
| Typical Monthly Cost | Varies by driving score; avg $80-$140/mo | Avg $160-$215/mo; discounts stack quickly |
| Quote Process | App-based driving test over 2-3 weeks | Online, phone, or captive agent |
| Available Discounts | Safe driving, multi-policy, homeowner | RightTrack, multi-policy, homeowner, paid in full |
| Claims Experience | In-app filing, digital estimates | App, phone, 24/7 online submission |
| Customer Support | In-app chat, phone, email | Phone, chat, app, captive agents |
| Coverage Options | Liability, comprehensive, collision, roadside | Liability, collision, comprehensive, gap, new-car replacement |
| Mobile App Quality | Excellent, core product is app-first | Solid, RightTrack, claims, ID cards |
| Bundling Options | Renters only | Auto, home, boat, motorcycle, umbrella |
Root Insurance Wins
Root wins on price for safe drivers in supported states. Liberty Mutual is only the better pick if you want to bundle beyond auto.
Root's pure behavior-based pricing consistently beats Liberty Mutual's rates for demonstrably safe drivers, and its app-only experience is smoother than Liberty Mutual's marketing-heavy quoting flow. Liberty Mutual's edge is its bundling menu, if you're buying home, boat, or umbrella too, the combined bill can tilt in its favor. Otherwise Root.
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