Auto Insurance · Head-to-head
LendingTree Insurance vs Liberty Mutual: Which auto insurance wins?
Side-by-side comparison of LendingTree Insurance and Liberty Mutual auto insurances — APR ranges, credit floors, application speed, and editorial verdict.
LendingTree Insurance
Largest carrier network in the marketplace category — including regional and non-standard insurers competitors miss. Phone follow-up is opt-in but more aggressive than The Zebra.
Liberty Mutual
Highest number of optional riders in the category — Better Car Replacement (12-month upgrade), Original Parts Replacement (OEM-only on repairs), Deductible Fund (savings account that grows your deductible). Customization is unmatched but premiums run 25-40% above GEICO for clean records.
In plain English
Liberty Mutual wins on both dimensions — lower APR floor (undefined% vs undefined%) AND lower credit floor (null+ vs null+ FICO). LendingTree Insurance can still be the better fit when application speed or loan-amount ceilings matter more — see the verdicts below.
Side-by-side breakdown
| Feature | LendingTree Insurance | Liberty Mutual |
|---|---|---|
| APR range | — | — |
| Min credit score | — | — |
| Loan amount | — | — |
| Term length | — | — |
| Overall rating | 4.5/5 | 4.1/5 |
| Rates & APR score (40%) | 4.5 | 3.9 |
| Loan terms score (25%) | 4.4 | 4.5 |
| Application score (20%) | 4.7 | 4.1 |
| Support score (15%) | 4.4 | 4.0 |
APR range
LendingTree Insurance
—
Liberty Mutual
—
Min credit score
LendingTree Insurance
—
Liberty Mutual
—
Loan amount
LendingTree Insurance
—
Liberty Mutual
—
Term length
LendingTree Insurance
—
Liberty Mutual
—
Overall rating
LendingTree Insurance
4.5/5
Liberty Mutual
4.1/5
Rates & APR score (40%)
LendingTree Insurance
4.5
Liberty Mutual
3.9
Loan terms score (25%)
LendingTree Insurance
4.4
Liberty Mutual
4.5
Application score (20%)
LendingTree Insurance
4.7
Liberty Mutual
4.1
Support score (15%)
LendingTree Insurance
4.4
Liberty Mutual
4.0
Editor verdicts
Why we rate LendingTree Insurance 4.5/5
Largest carrier network in the marketplace category — including regional and non-standard insurers competitors miss. Phone follow-up is opt-in but more aggressive than The Zebra.
Why we rate Liberty Mutual 4.1/5
Highest number of optional riders in the category — Better Car Replacement (12-month upgrade), Original Parts Replacement (OEM-only on repairs), Deductible Fund (savings account that grows your deductible). Customization is unmatched but premiums run 25-40% above GEICO for clean records.
Who should pick which?
Pick LendingTree Insurance if…
- You prefer a fast, soft-pull-friendly online application.
Pick Liberty Mutual if…
- You want flexible loan terms and amount ranges.
Keep comparing