Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Liberty Mutual Mobile vs USAA Mobile

Liberty Mutual Mobile 4.8★ · Free to download 60
Winner USAA Mobile
USAA Mobile 4.8★ · Free to download 75

USAA Mobile generally offers a more reliable and comprehensive app experience, especially for banking and insurance management, despite some recent complaints about login and customer service, while Liberty Mutual Mobile struggles with basic functionality like bill pay and policy changes.

Full reviews: Liberty Mutual Mobile · USAA Mobile

USAA Mobile provides a robust platform for both banking and insurance, with users praising its ease of use and comprehensive features, though recent updates have caused some login and service issues. Liberty Mutual Mobile, while appreciated by some for its simplicity, frequently frustrates users with unreliable bill payment, difficulty in making policy changes, and intrusive tracking features.

Head to head

Features & Functionality edge: USAA MobileR1R3R4R5
Liberty Mutual Mobile Liberty Mutual Mobile users report significant issues with core functionalities such as paying bills, with many stating they are forced to use the website instead R1R4R12R33. Making policy changes is also frequently cited as difficult or impossible within the app, requiring calls to customer service R27. The RightTrack program, which offers discounts, is criticized for intrusive location tracking, battery drain, and inaccurate scoring R3R6R13. Some users also report not being able to view their auto policy or obtain ID cards . However, some users find the app easy to navigate and functional for managing rentals or making simple changes R5R20R30.
USAA Mobile USAA Mobile offers a wide range of features for banking and insurance, with many users appreciating its convenience for managing multiple accounts, making payments, and getting quotes . However, recent updates have introduced problems, including difficulties with mobile deposits , a confusing bill pay interface , and issues with the rewards center . Some users also report that the chat bot is unhelpful and doesn't connect them to live agents . There are also complaints about the app requiring location access for internal fund transfers, which users find intrusive .
Ease of Use tieR20R22R29R30
Liberty Mutual Mobile Many Liberty Mutual Mobile users find the app difficult to use, citing issues with login, broken links, confusing navigation, and a lack of auto-fill support R29. Some describe it as merely a wrapper around a website . The RightTrack program is particularly criticized for requiring constant manual input or being overly sensitive . Conversely, a significant number of users praise the app for being easy to navigate, intuitive, and simple to use R20R22R30.
USAA Mobile USAA Mobile is generally lauded for its ease of use and intuitive interface by many long-term members . However, recent updates have made logging in more difficult, with glitches in PIN entry and codes not auto-loading R75R84. Some users also find the app confusing with too many tabs and windows . Mobile deposits are reported to be a pain, requiring multiple tries .
Reliability & Performance tieR23R27R31R47
Liberty Mutual Mobile Liberty Mutual Mobile suffers from inconsistent functionality, with users reporting that features like policy viewing or payment submission often don't work R27R31. There are also complaints about payments taking too long to process, leading to negative account balances R23. Some users experience issues with the RightTrack program not registering permissions correctly R47.
USAA Mobile USAA Mobile has faced recent reliability issues, with reports of the app malfunctioning and causing problems with auto service and payments . Users have experienced payment holds on credit cards, leading to declined charges . Some banking functions, like showing a balance for future transactions, have been non-functional for over a month . The rewards center has also been inaccessible for some users .
Customer Service & Support edge: USAA MobileR1R10R14R19
Liberty Mutual Mobile Liberty Mutual Mobile users frequently complain about poor customer service, with reports of difficulty contacting support through the app R1, unhelpful tech support R10, and agents who don't resolve issues or even penalize customers for system errors R19R25. Some users, however, have had positive experiences with responsive and professional service, especially regarding claims R14.
USAA Mobile USAA Mobile users express significant dissatisfaction with recent declines in customer service, including long hold times , rude adjusters , and issues with the fraud department . The chat bot is often criticized for being useless and not connecting users to live agents . Despite these recent issues, many long-term members still praise USAA for its excellent and professional customer service, with problems often being resolved .
Price & Value tieR2R5R11R25
Liberty Mutual Mobile Some Liberty Mutual Mobile users report significant savings on premiums after switching R5, and others praise the company for reasonable prices and helping them through difficult financial times . However, some users feel they pay too much for insurance and are looking for other companies R11. There are also complaints about being overcharged or not receiving promised discounts R2R25R29.
USAA Mobile USAA Mobile users frequently express concern over rising insurance costs, even for those who drive less . Some long-term members feel their loyalty isn't rewarded with competitive rates . Despite these concerns, many users appreciate the overall value and support provided by USAA, especially for the veteran community .
Pick Liberty Mutual Mobile if

You prioritize potentially lower premiums and appreciate an app that, for some, is straightforward for basic information access, and are willing to tolerate potential frustrations with bill pay and policy changes R5R20R30.

Pick USAA Mobile if

You are a military member or family and seek a comprehensive app that integrates banking and insurance, with a generally reliable experience for managing accounts, despite some recent technical glitches and customer service concerns .

Evidence note: Both apps have a mix of very positive and very negative recent reviews, which can make direct comparisons challenging. The lifetime ratings are very similar, but recent reviews for both apps show a downward trend in satisfaction, particularly regarding app functionality and customer service.

Frequently asked

Can I pay my bill using the Liberty Mutual Mobile app?
Many users report significant difficulty or outright inability to pay their bills directly through the Liberty Mutual Mobile app, often being forced to use the website or set up autopay instead R1R4R12R33.
Does USAA Mobile have issues with logging in?
Yes, some USAA Mobile users have reported recent difficulties with logging in, including glitches with PIN entry and codes sent to email not auto-loading, which has made the process more challenging R75R84.
Is Liberty Mutual's RightTrack program intrusive?
Yes, several Liberty Mutual users find the RightTrack program intrusive, as it requires continuous precise location access, which raises privacy concerns, drains phone battery, and can inaccurately penalize drivers for activities like using hands-free calls or having a phone fall R3R6R13R59.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R1] Liberty Mutual Mobile 1/5 · US Where is Contact Us Information?: Can’t believe that there is no information about how to contact you in the app. Cannot setup auto payment. Billing is incorrect but can’t reach anyone to fix it.
  2. [R3] Liberty Mutual Mobile 3/5 · US Intrusive: Feeling like too many allow on settings and access given in order to opt into program, feels intrusive
  3. [R4] Liberty Mutual Mobile 1/5 · US Has the worst bill pay system: Not only does the application have the worst bill paying system I’ve ever seen in my life, but the website is just as bad typically I move my money around different accounts, but there is legit no way to just pay a bill even with the auto pay bill feature if you wanted to manually pay your bill, you have to jump through a ton of hoops, I don’t recommend this for anyo
  4. [R5] Liberty Mutual Mobile 5/5 · US Great insurance, great service, easy app: We switched from Farmers and couldn’t be happier! The premiums are half what we were paying, the service is great.
  5. [R20] Liberty Mutual Mobile 5/5 · US Easy and functional!: Most apps aren’t intuitive- you have to dig for the info. Not this one! It’s easy to navigate, fast, and provides all the information you would need/expect!
  6. [R22] Liberty Mutual Mobile 5/5 · US App: Love the app it’s easy to use
  7. [R29] Liberty Mutual Mobile 1/5 · US Worst app that I had to say it: Everything about this app is half ahh. Links don’t work. Sign in fails. Pages upon pages of clicking just to lose your place again. Hard to make sense of where you need to go to do anything. And changing your policy feels half baked when you have to “wait” for someone to update the actual policy. And my deductibles never gone done in all my years with this company.
  8. [R30] Liberty Mutual Mobile 5/5 · US Excellent App: The Liberty Mutual Mobile App is easy to use and so beneficial. I can find everything I’m looking for in the Liberty Mutual Mobile App. I highly recommend Liberty Mutual Insurance! It is outstanding. The App is excellent to use.
  9. [R23] Liberty Mutual Mobile 1/5 · US Worse app ever: This app does not update you payments or dates it is the worse app
  10. [R27] Liberty Mutual Mobile 2/5 · US When it works it’s good: When the app is working properly it’s great. You can pretty much do anything from changing policies/coverage, adding vehicles/drivers, claims. But the functionality is so inconsistent. Several times I have logged in and my auto policy is missing or says “unknown” and I can’t view it. Not sure why they can’t get it right.
  11. [R31] Liberty Mutual Mobile 2/5 · US Not working app: Tried to change dates for payments and change info and when you press submit nothing happens
  12. [R47] Liberty Mutual Mobile 1/5 · US Stuck in a Permission Loop for RightTrack: The app itself is mostly fine, but the RightTrack setup has a major iOS permission bug that almost got me kicked out of the program. The app requires "Motion & Fitness" access to track driving. It tells you to go to Settings to turn it on, but the toggle doesn't exist in the Liberty Mutual app settings page! Because the app never correctly triggers the of
  13. [R10] Liberty Mutual Mobile 1/5 · US Worst app I’ve ever used: I can not set up the app on her phone. Tech support is useless.
  14. [R14] Liberty Mutual Mobile 5/5 · US Quick to answer on a claim: Response and professionalism is great
  15. [R19] Liberty Mutual Mobile 1/5 · US Horrible customer service: These people will still say you deserve a late fee when this app doesn’t update your financial accounts! They will over charge you for renters and demand you send them identification and then not update you on results. Trash company
  16. [R2] Liberty Mutual Mobile 4/5 · US Good so far: Progressive sold out to Liberty Mutual. So far so good. No big problems yet. The Progressive clerk made some errors entering my data and they never caught it. Liberty caught these errors right a way. I just dont like relying on apps for everything. As they’re offering me a new quote i might see if they can get a discounted rate with how expensive things are. Or if its a scam and they’
  17. [R11] Liberty Mutual Mobile 4/5 · US This new contact option is great but I pay far too much for insurance now and do not need anything: Va gives a discount for drivers using their vehicles less than a certain number of miles but when I asked they told me no they didn’t offer it so I think it may be time to look for another company considering my driving record.
  18. [R25] Liberty Mutual Mobile 1/5 · US Need work getting does not work: Hard to use you don’t update customers accounts over charged. Tearable customer service kily in Boston no help would not resolve issue !
  19. [R12] Liberty Mutual Mobile 3/5 · US Billing: The app works fine. I just hate that I can’t pay my bill using the app. I gotta call in or set up autopay.
  20. [R33] Liberty Mutual Mobile 1/5 · US Can’t Pay Bill Through App: I’ve had the app for months and unable to pay my bill through the app I’m forced to go to the website to pay my bill it’s pointless to have the app of the features don’t work.
  21. [R75] USAA Mobile 3/5 · US Difficult to log in: Recent change has made log in more difficult. When entering pin, numbers often glitch or don’t respond, causing missed numbers and wrong pin. Also, code sent to email won’t auto load, you have to find the email, copy and paste code.
  22. [R84] USAA Mobile 3/5 · GB PROBLEM - SECURITY: Your app programmers have MESSED-up USAA app!!! Using iphone SE-3 and The login choice function does NOT work!!! We are stuck with PIN ENTRY, no matter what we try to do, to Change b back to Touch ID login .. which WAS functioning until May of 2025. NOW we CANNOT set login to anything but using the pin code, which we haven't had to use in the past (at least for many years) GE
  23. [R6] Liberty Mutual Mobile 3/5 · US 24/7 Precise Location Req’d for RightTrack - not cool: Very disappointed the safe driving discount requires nonstop access to your precise location, especially since I work from home and don’t drive for days. An invasion of privacy to see your customers’ location 24/7! Find a better way. Also, you’re killing my phone battery.
  24. [R13] Liberty Mutual Mobile 1/5 · US RightTrack: Right track app counts point off even if you use hands free to answer phone calls. If you have Apple car play you can text and do anything you want from the car screen. I just started count everything as passenger if I have to use my phone during that drive.
  25. [R59] Liberty Mutual Mobile 1/5 · US Trip recording not at all accurate: I have only driven three weeks since getting the app. Only driven to work between 8am and 5pm. The app gave a poor rating for time of day driving, took off points for me using Google Maps as a passenger, took off points for my phone falling out of my purse onto the floor, and a single sudden braking to avoid a collision dropped me over 10 points. All this happen

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store