Navy Federal Auto Insurance Review (2024)

What You Should Know About Navy Federal

Credit rating agencies regularly rate companies based on financial strength. The ratings indicate the company’s likelihood to provide a payout when you file a claim. Since Navy Federal members receive coverage through Liberty Mutual, we’ll review Liberty Mutual’s financial ratings.

Liberty Mutual has been rated A by A.M. Best, A by S&P, and A2 by Moody’s. While these ratings are not the best in the industry, they indicate that, in most situations, the company will provide a payout.

Liberty Mutual has also been rated B by the Better Business Bureau (BBB). This rating is based on the company’s business practices and indicates that the company is usually transparent when dealing with customers but has a high number of company complaints. Read our Liberty Mutual auto insurance review to learn more.

Navy Federal Auto Insurance Reviews and Complaints

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) let insurance customers list complaints online. Both organizations have reviewed Liberty Mutual’s complaints to determine the company’s quality of service.

At the time of this review, the Better Business Bureau has received 1,247 complaints about Liberty Mutual during the past three years. The majority of these complaints are regarding the company’s services and billing practices.

The NAIC has received 70 complaints about Liberty Mutual. The organization lists the company’s complaint index ratio at 2.20, indicating more than double the complaints about a company of a similar size.

Navy Federal Auto Insurance Claims Review

Navy Federal members can file claims by phone, online, or via the Liberty Mutual mobile app. Members who prefer to file online or via a mobile device can do so in the claims section.

Additionally, members can make claims over the phone by calling 800-225-2467. A representative will ask various questions about the incident and might request specific pieces of evidence, like photos of the accident or a police report.

Learn More: How to File an Auto Insurance Claim

How to Qualify for Navy Federal Auto Insurance

Any driver can purchase Liberty Mutual auto insurance, but only those who are members of the Navy Federal Credit Union will meet the Navy Federal car insurance requirements to obtain a Navy Federal auto policy.

Navy Federal membership is available to the following groups:

• Active, retired, or veteran members of the Army, Marine Corps, Navy, Air Force, Coast Guard, or Air National Guard
• Members of the delayed entry program (DEP)
• Department of Defense (DOD) reservists, officer candidates and ROTC, civilian employees, U.S. government employees of the DOD, civilian retirees, and annuitants
• Family members of anyone listed above, including the parents, grandparents, spouses, children, siblings, grandchildren, and household members of any of the above

Navy Federal is most similar to USAA in that only military members and their families are eligible. However, unlike USAA, Navy Federal members obtain coverage from another company. Still, getting Liberty Mutual coverage through Navy Federal allows members to experience additional discounts.

Navy Federal Insurance Coverage Options

In addition to price, Navy Federal members should also consider coverages offered by their partnership with Liberty Mutual. After all, affordable car insurance isn’t very helpful without the proper protection.

Liberty Mutual provides Navy Federal members with the seven main types of coverage that you’ll find with most companies. The following table discloses each of these coverages and their methods of protection if you become involved in an accident.

In addition to these standard coverages, Navy Federal and Liberty Mutual provide members with some additional choices. These are the options that members can add to a policy:

• Emergency road service: This covers towing, jump starts, fuel delivery, flat tires, locked doors, and 24-hour assistance.
• Rental reimbursement: This helps to pay for a Navy Federal car rental when your primary vehicle is unavailable.
• Mechanical breakdown insurance: This covers mechanical issues that are not a result of maintenance or standard wear and tear.

The emergency road assistance and mechanical breakdown coverages are helpful for drivers at any location with their vehicle. While members might not need Navy Federal rental car insurance, it can be beneficial if they’re traveling or if their vehicle is in the shop.

Like most insurance companies, Liberty Mutual prices coverages individually. As a result, adding more coverage increases the price of Navy Federal auto insurance quotes.

Navy Federal Insurance Rates Breakdown

For many car insurance customers, the cost of coverage is the determining factor. Companies use multiple factors that affect auto insurance rates, including the following:

• Your location
• Your driving record
• Vehicle safety features

They also consider determinants that change over time, like your driving record. These components are different for each driver; therefore, you can only receive an accurate quote by answering several questions. However, reviewing average rates will help you narrow down your selection.

Navy Federal members can purchase coverage through the credit union’s partnership with Liberty Mutual, so reviewing their rates will help you determine if the option is cost-effective. The following chart reveals Liberty Mutual’s average annual auto insurance rates compared with those of other companies.

As you can see, you can find affordable Navy Federal auto insurance rates compared with those of the most popular insurance companies. The partnership with Liberty Mutual makes the average Navy Federal car insurance quote more affordable than everyone except USAA.

While this chart displays several competitors, many members will want to compare Navy Federal auto insurance vs. USAA since they’re the two military-focused organizations. In this comparison, USAA is less expensive.

Navy Federal Discounts Available

Navy Federal members who opt for this choice can avail themselves of the same saving opportunities as standard Liberty Mutual clients. The auto insurance discounts for Navy Federal members encompass the subsequent cost-saving benefits for those who decide to secure coverage through the Navy Federal auto insurance company.

In addition to these discounts, most Navy Federal members have access to Liberty Mutual’s military reduction. As a result, since members are usually current or former military members, the company will automatically include savings for your service.

Navy Federal Auto Insurance Review: The Bottom Line

Navy Federal only provides car insurance through its partnership with Liberty Mutual. As a result, members can experience reduced rates for military service and all of the standard types of coverage.

Learning more about Navy Federal auto insurance will help you decide if this collaboration is right for you.