Navy Federal Auto Insurance Review (2024)
Navy Federal auto insurance is available through Liberty Mutual for as low as $73/mo for full coverage. Navy Federal members receive exclusive discounts and lower rates than non-members. Read this Navy Federal auto insurance review to learn how to qualify for affordable Navy Federal car insurance.
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Feb 7, 2024
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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.
UPDATED: Feb 7, 2024
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.
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Navy Federal
Average Monthly Rate For Good Drivers
$73A.M. Best Rating:
AComplaint Level:
LowPros
- Navy Federal members can file claims by phone, online, or via the Liberty Mutual mobile app
- Navy Federal members can receive exclusive discounts on coverage
Cons
- Membership in Navy Federal is limited to active, retired, or veteran military members
- 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.
Read this Navy Federal auto insurance review to help you determine if it’s a good fit for your needs.
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.
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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.
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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.
Navy Federal Auto Insurance Coverages
| Type of Coverage | Purpose of Coverage |
|---|---|
| Bodily injury liability | Pays for medical bills if someone else suffers an injury in an accident caused by you. |
| Collision | Covers damage to your car after an accident. |
| Comprehensive | Covers damage to your car when you’re not driving. |
| Medical expenses | Covers medical costs caused by an accident regardless of who is at fault. |
| Personal injury protection | Covers medical expenses for you and your passengers after an accident. |
| Property damage liability | Liability coverage that covers the cost of any property damage you’ve caused in an accident. |
| Uninsured/underinsured motorist | Covers the costs if you’re in an accident caused by a driver with little or no car insurance. |
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.
Navy Federal Auto Insurance Monthly Rates vs. Other Companies
| Insurance Company | Full Monthly Rates |
|---|---|
| Allstate | $160 |
| American Family | $117 |
| Farmers | $139 |
| Geico | $80 |
| Liberty Mutual (Navy Federal) | $174 |
| Nationwide | $115 |
| Progressive | $105 |
| State Farm | $86 |
| Travelers | $99 |
| USAA | $59 |
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.
Navy Federal Auto Insurance Discounts
| Discount | Discount Eligibility | Discount Amount |
|---|---|---|
| Affiliation | Member of an affiliated group. | $100 - $500 |
| Driver’s education | Take an approved driver’s training course. | $50 - $200 |
| Good driver | Driver maintains a clean driving record for three years. | $200 - $500 |
| Low mileage | Drive fewer than a specified number of miles, usually 6,000. | $50 - $300 |
| Multi-vehicle | Insure multiple vehicles with Navy Federal and Geico. | $100 - $400 |
| Vehicle equipment | Vehicle has safety features like air bags, anti-lock brakes, and an anti-theft system. | $25 - $100 |
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.
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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.
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Frequently Asked Questions
Does Navy Federal have good car insurance?
Navy Federal provides discounted auto insurance policies and exclusive membership perks through a partnership with Liberty Mutual. Members enjoy auto insurance rates around 50% less than the national average.
Who qualifies for Navy Federal auto insurance?
Navy Federal Auto Insurance is available to members of Navy Federal Credit Union. Membership is generally open to active-duty and retired military personnel, Department of Defense civilians, and their family members.
What are the benefits of having Navy Federal auto insurance?
The biggest Navy Federal auto insurance perk is very low rates.
Can I get online Navy Federal auto insurance quotes?
Yes, you can obtain a quote for Navy Federal Auto Insurance online. Navy Federal Credit Union provides an online quoting tool on its website, allowing you to enter relevant information about your vehicle and desired coverage to receive a personalized quote.
Is Navy Federal auto insurance cheaper than USAA?
Navy Federal auto insurance rates are about the same as USAA at $73/mo.
Who is better for auto insurance, USAA or Navy Federal?
USAA and Navy Federal auto insurance rates are about the same, but USAA has better customer service reviews. Navy Federal underwrites through Liberty Mutual, which scores below average when it comes to customer and claims satisfaction.
What is the history of Navy Federal auto insurance?
Navy Federal Credit Union was founded in 1933 as a credit union for military members. The organization remains member-owned by its more than 10 million members.
Is Navy Federal auto insurance affiliated with Geico?
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.
What is Navy Federal insured by?
Liberty Mutual has been underwriting Navy Federal home and auto insurance since 2021.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
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.