Liberty Mutual vs NJM: which is better for car insurance in 2026?
Across our six scoring categories, Liberty Mutual comes out ahead in 1, NJM in 2, with 3 too close to call. There is no overall score to compare, though: Liberty Mutual 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. NJM 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.
Liberty Mutual vs NJM, side by side
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.
Category by category
Price
Too close to callLiberty Mutual does not release public rate data, so there is no like-for-like premium to set against NJM's Not published. That is a real gap in the comparison, not a rounding error — treat Liberty Mutual's price as unknown until you have a quote in hand.
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.
NJM's published average is a New Jersey figure, not a national one. New Jersey is a high-cost state, so setting it against a national benchmark would flatter NJM for reasons that have nothing to do with NJM. We have left it out rather than compare unlike things.
Claims satisfaction
Too close to callNeither pulls ahead on claims satisfaction: Liberty Mutual posts 730/1,000 and NJM 731/1,000, a difference too small to choose on.
730 out of 1,000, third-highest in the J.D. Power 2025 study and thirty points above the segment average.
731 out of 1,000 in the J.D. Power 2025 claims study — second only to Erie among ranked insurers, and 31 points above the segment average.
Complaint record
NJM aheadNJM takes complaint record on Far fewer than expected against Liberty Mutual's More than expected.
More complaints than expected for its size, based on 2021–2023 data — a different window from most carriers here, so not perfectly comparable.
Far fewer complaints than expected for its size — the strongest band we assign.
Financial strength
NJM aheadNJM takes financial strength on A+ against Liberty Mutual's A.
AM Best A (Excellent).
AM Best A+ (Superior). Note that AM Best revised the outlook on its separate issuer credit rating to negative in 2025, citing consecutive underwriting losses.
Discounts
Liberty Mutual aheadLiberty Mutual takes discounts on 12 published against NJM's 8 published.
Twelve published discounts, plus a customization tool Liberty Mutual says saves 12% or more — though that is excluded in nine states.
Around eight published discounts, plus the NJM SafeDrive telematics program.
Digital experience
Too close to callNeither pulls ahead on digital experience: Liberty Mutual posts 4.79 iOS / 4.6 Android and NJM Not published, a difference too small to choose on.
4.79 on the App Store and 4.6 on Google Play across 669,000 combined ratings. Solid on both platforms.
NJM publishes no general policyholder app on either store — only the SafeDrive telematics app. Policy servicing is web-only, so there is no app experience to rate.
So which one?
Pick Liberty Mutual if…
- You are among drivers who value claims handling and will quote it directly.
- You expect to stack discounts — Liberty Mutual's lineup is the broader of the two.
- Availability fits: 45 states and D.C. — not available in Alaska, California, North Dakota, South Dakota or Wyoming.
Pick NJM if…
- You are among mid-atlantic drivers who weight claims handling above everything.
- You want the lower complaint record — NJM sits at Far fewer than expected.
- Financial strength is a priority; NJM holds A+ from AM Best.
- Availability fits: 5 states in the Mid-Atlantic, sold direct with no agents.
Liberty Mutual vs NJM, answered
The questions people ask before switching between these two.
Other comparisons
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Averages are a starting point. Your rate is the only number that decides it.