Overall verdict
Nationwide wins 8–1 categories
Nationwide leads on more rate factors. Liberty Mutual may still win for specific profiles — see the table below.
Side-by-side comparison
| Feature | Nationwide | Liberty Mutual | Winner |
|---|---|---|---|
| Avg annual rate | ~$1,683/yr | ~$2,091/yr | ✓ Nationwide |
| NAIC complaint ratiolower = fewer complaints vs. industry avg | 0.63 — excellent | 2.86 — poor | ✓ Nationwide |
| Credit: excellentrate change for excellent credit | -14% | -15% | ✓ Liberty Mutual |
| Credit: fair / poorrate change for fair credit | +28% | +35% | ✓ Nationwide |
| Young drivers · 18–24surcharge vs 35–54 baseline | +15% | +20% | ✓ Nationwide |
| Drivers 55+discount vs 35–54 baseline | -8% | -6% | ✓ Nationwide |
| Homeowner discount | -8% | -6% | ✓ Nationwide |
| Multi-policy discount | -6% | -5% | ✓ Nationwide |
| Lapsed coverage penaltysurcharge for coverage gap | +15% | +20% | ✓ Nationwide |
| How to buy | Online + agent | Online + agent | — |
| Telematics program | SmartRide | RightTrack | — |
Who wins by driver profile
Good credit · clean record
Nationwide
saves ~$330/yr
Fair / poor credit
Nationwide
saves ~$669/yr
Young driver · 18–24
Nationwide
saves ~$469/yr
Drivers 55+
Nationwide
saves ~$339/yr
Homeowner bundle
Nationwide
saves ~$335/yr
About Nationwide
Best-in-class complaint ratio. Vanishing deductible rewards drivers who stay claim-free year over year. In this comparison, Nationwide has the advantage on avg rate, complaints, fair-credit rate. Best for: Vanishing deductible & claim-free drivers.
About Liberty Mutual
Highest complaint ratio among major carriers. Broad coverage options but consistently the most expensive major carrier. In this comparison, Liberty Mutual has the advantage on excellent-credit rate. Best for: New car replacement coverage.
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