Navy Federal Auto Insurance Review [2022]

Navy Federal auto insurance is available through Liberty Mutual. Members can receive affordable Navy Federal auto insurance for the seven main types of coverage, plus additional options. Additionally, members can receive exclusive discounts. Learning more about Navy Federal auto insurance will help you decide if the choice is right for you.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 29, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Company Details
Address: 820 Follin Lane SE
City: Vienna
State: Virginia
ZIP Code: 22180
Phone Number: 1-888-842-6328
Year Founded: 1933
AM Best Rating: A
Company Rating 0 (0 reviews)

Things to Remember

  • Navy Federal provides auto insurance through a partnership with Liberty Mutual
  • Navy Federal members can receive exclusive discounts on coverage
  • Navy Federal members can obtain coverage from one of the top companies

Navy Federal provides affordable auto insurance for members through its partnership with Liberty Mutual. Members can receive the standard coverages and take advantage of discounts. The association also ensures that members will be using one of the industry’s top insurers.

Knowing more about Navy Federal auto insurance will help you determine if it’s a good fit for your needs.

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Before examining this Navy Federal auto insurance review, enter your ZIP code to obtain free car insurance quotes in your area.

Does Navy Federal auto insurance have competitive rates?

For many car insurance customers, the cost of coverage is the determining factor. Companies use multiple factors when determining 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.

More: GEICO Defensive Driving Course

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.

Navy Federal Auto Insurance Annual Rates vs. Other Companies

CompanyAverage Annual Auto Insurance Rates
Allstate$1,788
American Family$1,451
Farmers$1,635
Liberty Mutual (Navy Federal)$879
Nationwide$1,284
Progressive$1,334
State Farm$1,169
Travelers$1,251
USAA$875
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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.

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What coverages are provided by Navy Federal auto insurance?

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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.

Navy Federal Auto Insurance Coverages

Auto Insurance TypesPurpose of Coverage
Bodily injury liabilityPays for medical bills if someone else suffers an injury in an accident caused by you.
CollisionCovers damage to your car after an accident.
ComprehensiveCovers damage to your car when you’re not driving.
Medical expensesCovers medical costs caused by an accident regardless of who is at fault.
Personal injury protectionCovers medical expenses for you and your passengers after an accident.
Property damage liabilityLiability coverage that covers the cost of any property damage you’ve caused in an accident.
Uninsured/underinsured motoristCovers the costs if you’re in an accident caused by a driver with little or no car insurance.
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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.

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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.

What discounts are available from Navy Federal auto insurance?

As previously mentioned, companies use multiple factors to determine rates. Therefore, some drivers will have higher rates than others. Fortunately, companies provide auto insurance discounts that allow drivers to lower their rates to a more reasonable price point.

More: Does GEICO offer GAP insurance?

Navy Federal members who select this option can experience the same saving opportunities as regular Liberty Mutual customers. The following discounts are available for members who choose coverage from the Navy Federal auto insurance company.

Navy Federal Auto Insurance Discounts

Auto DiscountDiscount Eligibility
AffiliationMember of an affiliated group.
Driver’s educationTake an approved driver’s training course.
Good driverDriver maintains a clean driving record for three years.
Low mileageDrive fewer than a specified number of miles, usually 6,000.
Multi-vehicleInsure multiple vehicles with Navy Federal and GEICO.
Vehicle equipmentVehicle has safety features like airbags, anti-lock brakes, and an anti-theft system.
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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.

How is Navy Federal auto insurance rated?

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.

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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.

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Does Navy Federal auto insurance have any 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.

More: What do I need to know about State Farm auto insurance?

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.

How can you file Navy Federal auto insurance claims?

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.

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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.

Who is eligible for Navy Federal auto insurance?

Any driver can purchase Liberty Mutual auto insurance, but only those who meet the Navy Federal car insurance requirements can obtain Navy Federal auto insurance. Membership in Navy Federal is limited 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.

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What is the history of Navy Federal auto insurance?

Navy Federal Credit Union was founded in 1933 to help military members reach their financial goals. As a credit union, the organization remains member-owned by its more than 10 million members.

In 2016, Navy Federal partnered with GEICO to provide discounted car insurance specifically for military members. In December 2021, Navy Federal came to an agreement with Liberty Mutual, allowing the company to provide auto and home insurance to Navy Federal members.

Navy Federal Auto Insurance: 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.

Now that you know about Navy Federal auto insurance, enter your ZIP code to locate free car insurance rates in your area.

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