Auto Insurance · Head-to-head
The Zebra vs Liberty Mutual: Which auto insurance wins?
Side-by-side comparison of The Zebra and Liberty Mutual auto insurance — average premiums, coverage strength, claims & support, and editorial verdict.
The Zebra
Compares 100+ insurers in a single 2-minute form. Surfaces every discount you qualify for, with email-first contact (no phone spam by default).
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
The Zebra edges out Liberty Mutual on editorial score (4.7/5 vs 4.1/5). Both shine in different scenarios — see the verdicts below.
Side-by-side breakdown
| Feature | The Zebra | Liberty Mutual |
|---|---|---|
| Avg full-coverage premium | — | $1,860/yr |
| Avg liability-only premium | — | $668/yr |
| A.M. Best financial strength | — | — |
| Best for | Compare 100+ insurers | custom coverage · rideshare |
| Overall rating | 4.7/5 | 4.1/5 |
| Price & savings score (40%) | 4.7 | 3.9 |
| Coverage strength score (25%) | 4.6 | 4.5 |
| Quote & buy experience (20%) | 4.9 | 4.1 |
| Claims & support score (15%) | 4.6 | 4.0 |
Avg full-coverage premium
The Zebra
—
Liberty Mutual
$1,860/yr
Avg liability-only premium
The Zebra
—
Liberty Mutual
$668/yr
A.M. Best financial strength
The Zebra
—
Liberty Mutual
—
Best for
The Zebra
Compare 100+ insurers
Liberty Mutual
custom coverage · rideshare
Overall rating
The Zebra
4.7/5
Liberty Mutual
4.1/5
Price & savings score (40%)
The Zebra
4.7
Liberty Mutual
3.9
Coverage strength score (25%)
The Zebra
4.6
Liberty Mutual
4.5
Quote & buy experience (20%)
The Zebra
4.9
Liberty Mutual
4.1
Claims & support score (15%)
The Zebra
4.6
Liberty Mutual
4.0
Editor verdicts
Why we rate The Zebra 4.7/5
Compares 100+ insurers in a single 2-minute form. Surfaces every discount you qualify for, with email-first contact (no phone spam by default).
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.
Read the full Liberty Mutual reviewWho should pick which?
Pick The Zebra if…
- You value claims responsiveness — The Zebra scores higher on claims & support.
- You want a smooth quote-and-buy flow with minimal phone follow-up.
- You want broader coverage options and add-on flexibility (gap, rideshare, accident forgiveness).
Pick Liberty Mutual if…
- Your driver profile leans custom coverage — Liberty Mutual's underwriting is best-in-class there.