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Why You Can Trust the MarketWatch Guides Team
Here’s a breakdown of how we reviewed and rated the top auto insurance providers
130
Providers ReviewedOur team looked at over 100 of the top auto insurance providers in the U.S., from national providers like USAA, Travelers and State Farm to regional providers like Erie Insurance.
8,500
Data Points AnalyzedTo properly score each auto insurance provider, we looked at cost data, claims processes, customer review scores, industry standing, available discounts, coverages and add-ons.
800
Research HoursOur team put in the time so you don’t have to, evaluating cost data, reading customer reviews and researching companies to determine the most reliable options for coverage.
8,500
Customers SurveyedWe asked thousands of customers to describe their experience with their auto insurance provider to understand how real customers feel about their insurers.
Navy Federal Credit Union Reviews
Navy Federal Credit Union isn’t an insurance provider, but it does help members save on auto insurance through Liberty Mutual, so we’ll share our ratings for Navy Federal before delving into Liberty Mutual’s coverage and customer reputation.
Navy Federal Credit Union Ratings
| Overall | 9 |
|---|---|
| Industry Standing | 8.7 |
| Availability | 9.2 |
| Loan Details | 9.4 |
| Rates and Discounts | 9 |
| Customer Service | 9.3 |
Navy Federal Credit Union Overview
Founded: 1933
Headquarters: Vienna, Va.
NFCU started in 1933 to help members of the military reach their financial goals and after 90 years of service, it’s built up a great reputation for itself among customers, industry experts and our team. As a credit union, Navy Federal is owned by more than 10 million members. Uniquely, it offers a special way for drivers to get discount auto insurance rates through Liberty Mutual.
The company specializes in:
- Checking accounts
- Savings accounts
- Credit cards
- Personal loans
- Auto loans
- Auto refinancing
Who Can Become a Member at Navy Federal Credit Union?
Membership in Navy Federal is limited to:
- Active or retired members of the Army, Air Force, Marines, Navy, Coast Guard and Air National Guard
- DOD reservists, civilian employees, retirees, officer candidates and annuitants (those who receive pension benefits)
- Members of the delayed entry program (DEP), which allows for a gap between enlistment and training
- Immediate family members (spouses and children) and household members related to military members
Navy Federal Credit Union Reviews
Although NFCU doesn’t have a rating from the Better Business Bureau (BBB), it has strong customer ratings elsewhere. On Trustpilot, it has an average rating of 4.6 out of 5 stars based on more than 18,000 reviews. More than 8,000 Google reviewers also give NFCU 4.6 out of 5 stars on average.
Is Navy Federal Credit Union Good?
NFCU is a smart option for members of the military community because of its lower interest rates and excellent customer service. The credit union also performed well in the J.D. Power 2023 U.S. Consumer Financing Satisfaction Study℠. The study didn’t rank Navy Federal because of eligibility restrictions, but NFCU received 917 out of 1,000 points — the highest score in the study’s mass-market category.
Pros and Cons of Navy Federal Credit Union
Pros
Competitive interest rates
Multiple options for loan term lengths
Offers auto loan pre-approval
No prepayment penalties or origination fees
Cons
Must be a credit union member to apply and qualify for an auto loan or refinancing
Doesn’t have auto lease or lease buyout options
Liberty Mutual Auto Insurance
Navy Federal members can get discounted auto coverage from Liberty Mutual through the TruStage™ Auto & Home Insurance program. Liberty Mutual performed very highly in our review of the top car insurance companies in the nation, scoring 9 out of 10 stars overall.
Our experts recognized Liberty Mutual for its Good Programs for Young Drivers, largely because the company is notorious for its several discounts aimed at teen drivers. This is good news if you’re the parent of a teen, as teens end up getting the highest car insurance rates across the nation. Liberty Mutual also holds an A- rating from the BBB, which showcases its commitment to customer service and business practices.
Liberty Mutual Car Insurance Coverage
Liberty Mutual offers the standard types of auto coverage, which include:
- Liability car insurance
- Collision insurance
- Comprehensive insurance
- Medical payments (MedPay)
- Personal injury protection (PIP)
- Underinsured/uninsured motorist coverage
Liberty Mutual Discounts
Liberty Mutual offers a healthy selection of car insurance discounts. Here are a few of them:
- Multi-policy: Bundling homeowners, renters or other insurance products with your auto coverage unlocks further discounts.
- Multi-vehicle: Adding vehicles to your policy can lower premiums.
- Good driver: The criteria for this discount vary but include staying accident-free for at least three years.
- Good student: Maintaining at least a B average as a full-time student opens the door to additional savings.
- Anti-theft device: Comprehensive coverage is a bit cheaper if you have an approved anti-theft system in your vehicle.
- Advanced safety features: Airbags and anti-lock brakes are among the vehicle features that count toward this discount.
Liberty Mutual also has discounts for paying your premium upfront, setting up automatic payments, going paperless, driving a new car and taking defensive driving courses. Ask your agent about all the discounts you could earn.
Liberty Mutual in Our Car Insurance Survey
Our team conducted a nationwide car insurance satisfaction survey in August 2022, polling 6,923 customers. About 5% of respondents had Liberty Mutual auto insurance. Liberty Mutual earned high marks for affordability but fell at the industry average for overall customer satisfaction.
The table below shows Liberty Mutual’s full ratings compared to the industry average. Ratings are all out of 5 points for each category.
| Category | Liberty Mutual Average Rating | Industry Average Rating |
|---|---|---|
| Customer satisfaction | 4.1 | 4.2 |
| Affordability | 3.8 | 3.7 |
| Discounts and savings programs | 3.8 | 3.7 |
| Selection of coverage and add-ons | 3.9 | 3.9 |
| Car insurance shopping process | 3.9 | 3.9 |
| Company website | 3.8 | 3.9 |
Navy Federal Auto Insurance: The Bottom Line
Navy Federal doesn’t sell car insurance but does have discounted rates to the military community through Liberty Mutual. If you’re eligible, Navy Federal can connect you with the top-rated companies.
Other Recommended Car Insurance Providers
Navy Federal Credit Union members have other auto coverage options besides Liberty Mutual. It’s always a good idea to compare car insurance quotes from multiple providers to get the best rates and we suggest State Farm and USAA as good places to start.
State Farm: Best Customer Experience
We consider State Farm best for most drivers because it has competitive rates and an excellent industry reputation as the largest auto insurer in the country. State Farm features the telematics program that saves good drivers up to 30% when they renew their policies. State Farm also performed well in all categories in our car insurance satisfaction survey.
Read more: State Farm Insurance Review
USAA: Best for Military Members
USAA is a competitor to Navy Federal and has a full range of financial services to active military, veterans and their families. What sets USAA apart is that it is a direct provider of auto insurance. The company also routinely has the lowest insurance rates of any of our top-rated providers. If you’re a member of the military community, check out USAA’s financial services and car insurance policies.
Read more: USAA Insurance Review
Compare:USAA vs. State Farm
About Navy Federal Auto Insurance: FAQ
Below are frequently asked questions about Navy Federal auto insurance.
Although Navy Federal offers discounted auto insurance rates through partnerships with Geico and Liberty Mutual, USAA usually has lower premiums. If you’re eligible for both companies’ financial services, compare auto insurance quotes to see how much you could save.
Liberty Mutual auto insurance is usually more expensive than Geico. Our team received a quote from Liberty Mutual for a full-coverage policy on a 2018 Honda Accord, and the estimate was $2,580 per year. This price was significantly higher than the national average cost of $1,730 and Geico’s average annual cost of $1,308.
It is difficult to say if USAA or Navy Federal Credit Union has better auto insurance. Both companies offer a full complement of financial products for the military community. If you’re solely looking at car insurance, it’s fair to say that USAA provides lower rates for most eligible drivers.
Our Methodology: Car Insurance Companies
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
- Industry standing (20% of total score): Our research team considered market share, ratings from industry experts and years in business when giving this score.
- Availability (10% of total score): Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
- Coverage (30% of total score): Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Cost and discounts (25% of total score): Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
- Customer experience (15% of total score): This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
Our credentials:
- 800 hours researched
- 45 companies reviewed
- 8,500+ consumers surveyed
Our Methodology: Auto Loan Companies
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best auto loan companies. We collected data on dozens of loan providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the companies that scored the most points topping the list.
Here are the factors our ratings take into account:
- Industry standing (30% of total score): Our research team considered ratings from industry experts and each lender’s years in business when giving this score.
- Availability (20% of total score): Companies that cover a variety of circ*mstances are more likely to meet consumer needs.
- Loan details (15% of total score): We look at auto lenders’ financing amount limitations, available loan terms and the types of auto loans they offer.
- Rates and discounts (25% of total score): Auto loan providers with low APRs, good discount opportunities and high loan amounts scored highest in this category.
- Customer service (10% of total score): This score is based on customer satisfaction ratings and transparency. We also considered the responsiveness, friendliness and helpfulness of each loan company’s customer service team based on our shopper analysis.
Our credentials:
- 300+ hours researched
- 25 companies reviewed
- 2,000+ consumers surveyed
*Data accurate at time of publication.
