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Elephant vs Liberty Mutual: which is better for car insurance in 2026?

Q: Is Elephant or Liberty Mutual cheaper?

We cannot answer that with published data. Elephant does not release public rate information, so no independent study — ours included — can put a national average next to Liberty Mutual's Not published. The only way to know is to quote both.

Q: Which handles claims better, Elephant or Liberty Mutual?

Neither has a clear edge. Elephant scores Not rated and Liberty Mutual 730/1,000 on the claims measure we use — close enough that the individual adjuster you draw matters more than the company average.

Q: Is Elephant better than Liberty Mutual overall?

We can't put two scores side by side here. Elephant does not publish enough of the underlying data for us to give it an overall score — we would rather say so than compute one from the two or three figures that do exist. Liberty Mutual scores undefined out of 5. Compare them on the individual categories above, and on the quotes you actually get.

Q: Can I switch from Elephant to Liberty Mutual mid-policy?

Yes. Auto policies can be cancelled at any time, and most insurers refund the unused premium pro-rata — though some charge a short-rate cancellation fee, so check your policy before you cancel. The one rule worth following: get the new policy bound and in force before you cancel the old one. Even a single day uninsured can count as a coverage lapse, which raises your rate at the next renewal and, in some states, exposes you to a registration penalty.

ElephantNot scored

Liberty MutualNot scored

Across our six scoring categories, Elephant comes out ahead in 0, Liberty Mutual in 0, with 6 too close to call. There is no overall score to compare, though: Elephant does not publish enough of the underlying data to earn one, and we would rather leave it blank than build a number out of the two or three figures that happen to exist. Liberty Mutual is the better-documented of the two, which is not the same as being the better insurer for you. Judge these two on the categories where both have real figures — and on what they actually quote you.

Elephant vs Liberty Mutual, side by side

Category

ElephantRead the full review

Liberty MutualRead the full review

Overall scoreWeighted across the six categories below

Not scored

PriceAverage annual full-coverage premium · 25% of score

Not published

This company does not release public rate data

Not published

This company does not release public rate data

Claims satisfactionJ.D. Power 2025 claims study, out of 1,000 · 20% of score

Not rated

Below the sampling frame of the J.D. Power claims study, which covers only the largest insurers

4.5730/1,000

J.D. Power 2025 claims study, segment average 700

Complaint recordComplaints relative to company size · 15% of score

2.5More than expected

Complaints relative to company size, NAIC data 2022–2024

2.5More than expected

Complaints relative to company size, NAIC data 2021–2023

Financial strengthAM Best Financial Strength Rating · 10% of score

Not published

No AM Best rating we could verify — see the review

4.0A

AM Best Financial Strength Rating

DiscountsBreadth of published discounts · 15% of score

Not published

No discount list we could read on the carrier's own site

4.512 published

Discounts on the carrier's own pages · Telematics: RightTrack

Digital experienceApp ratings and self-service depth · 15% of score

Not published

No app-store presence we could verify

5.04.79 iOS / 4.6 Android

App Store (484K ratings) and Google Play (185K ratings), August 2026

Availability

8 states

45 states and D.C. — not available in Alaska, California, North Dakota, South Dakota or Wyoming

Best suited to

drivers in its eight states comparing it against other budget options

drivers who value claims handling and will quote it directly

Sources: average premiums from NerdWallet's August 2026 rate analysis (Quadrant Information Services), for a 35-year-old driver with a clean record and good credit in a 2023 Toyota Camry LE at 12,000 miles a year, 100/300/50 limits with $1,000 deductibles — national average $2,356. Claims satisfaction from the J.D. Power 2025 U.S. Auto Claims Satisfaction Study (segment average 700). Complaint record from NerdWallet's analysis of NAIC complaint data, 2022–2024. Financial strength from AM Best. Discounts and app data from each carrier's published pages and the Apple App Store / Google Play, retrieved August 2026. Updated August 2026.

Elephant vs Liberty Mutual across all six categoriesScored 1–5. Longer is better in every category — the price bar already accounts for cheaper being better.

ElephantLiberty Mutual

Category by category

Price

Too close to call

Elephant does not release public rate data, so there is no like-for-like premium to set against Liberty Mutual's Not published. That is a real gap in the comparison, not a rounding error — treat Elephant's price as unknown until you have a quote in hand.

Elephant

Elephant is not included in the rate study behind every other premium in this review.

Liberty Mutual

Not published. Liberty Mutual releases no public rate data, so no independent study — including ours — can put a national average against it. Any figure you see quoted for Liberty Mutual is an estimate.

Claims satisfaction

Too close to call

Neither pulls ahead on claims satisfaction: Elephant posts Not rated and Liberty Mutual 730/1,000, a difference too small to choose on.

Elephant

Not in the J.D. Power claims study, which samples only the largest insurers.

Liberty Mutual

730 out of 1,000, third-highest in the J.D. Power 2025 study and thirty points above the segment average.

Complaint record

Too close to call

Neither pulls ahead on complaint record: Elephant posts More than expected and Liberty Mutual More than expected, a difference too small to choose on.

Elephant

More complaints than expected for its size — better than the other app-first insurers here, but still below par.

Liberty Mutual

More complaints than expected for its size, based on 2021–2023 data — a different window from most carriers here, so not perfectly comparable.

Financial strength

Too close to call

Neither pulls ahead on financial strength: Elephant posts Not published and Liberty Mutual A, a difference too small to choose on.

Elephant

No AM Best rating we could verify, and no alternative rating found.

Liberty Mutual

AM Best A (Excellent).

Discounts

Too close to call

Neither pulls ahead on discounts: Elephant posts Not published and Liberty Mutual 12 published, a difference too small to choose on.

Elephant

No discount list we could read on Elephant's own site.

Liberty Mutual

Twelve published discounts, plus a customization tool Liberty Mutual says saves 12% or more — though that is excluded in nine states.

Digital experience

Too close to call

Neither pulls ahead on digital experience: Elephant posts Not published and Liberty Mutual 4.79 iOS / 4.6 Android, a difference too small to choose on.

Elephant

No app-store figures we could verify from a primary source.

Liberty Mutual

4.79 on the App Store and 4.6 on Google Play across 669,000 combined ratings. Solid on both platforms.

So which one?

Pick Elephant if…

You are among drivers in its eight states comparing it against other budget options.
Availability fits: 8 states.

Read the full Elephant review →

Pick Liberty Mutual if…

You are among drivers who value claims handling and will quote it directly.
Availability fits: 45 states and D.C. — not available in Alaska, California, North Dakota, South Dakota or Wyoming.

Read the full Liberty Mutual review →

Elephant vs Liberty Mutual, answered

The questions people ask before switching between these two.

Is Elephant or Liberty Mutual cheaper?

Which handles claims better, Elephant or Liberty Mutual?

Is Elephant better than Liberty Mutual overall?

Can I switch from Elephant to Liberty Mutual mid-policy?

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