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Liberty Mutual Auto Insurance Reviews
We rate Liberty Mutual a 9.1 out of 10.0 and recognize it for having Good Programs for Young Drivers in 2024. The overall rating of “9.1” was aggregated from the company’s performance across five key categories for car insurance: cost, coverage, reputation, availability and customer experience.
| Overall Rating | 9.1 |
|---|---|
| Industry Standing | 8.9 |
| Availability | 10.0 |
| Coverage | 9.5 |
| Cost | 9.0 |
| Customer Experience | 8.2 |
*Ratings are determined by our editorial review team. Learn more about our scoring methodology below.
Is Liberty Mutual Good?
If you’re looking for car insurance, Liberty Mutual is worth considering. It offers a range of car insurance coverage options and discounts, making it one of the most affordable providers we found for young drivers.
Here’s what makes Liberty Mutual stand out from competitors:
- Affordable coverage for young drivers: Since teen motorists lack driving experience, they often pay some of the highest car insurance costs. Liberty Mutual offers several discount programs to help offset car insurance premiums.
- Several add-on car insurance options: Liberty Mutual provides several unique add-on options for drivers, including a lifetime repair guarantee, new car replacement insurance and better car replacement insurance.
- Strong industry ratings: In the J.D. Power 2022 U.S. Insurance Shopping StudySM, Liberty Mutual scored third place behind State Farm and Farmers for large insurers.
Pros and Cons of Liberty Mutual Insurance
Here are a few of the pros and cons of purchasing an insurance premium with Liberty Mutual:
Pros
Variety of auto policies and add-on coverageNationwide availabilityExcellent AM Best and Better Business Bureau (BBB) ratingsNumerous discounts, especially for young drivers
Cons
Average customer satisfaction ratingsPremiums can be high
Liberty Mutual Insurance Company Reviews
Founded: 1912
Better Business Bureau (BBB) rating: A+
AM Best financial strength rating: A
The Liberty Mutual Group is an international insurance provider that was founded in Boston in 1912. The provider offers many auto insurance policies and add-on coverage options for drivers nationwide. According to the National Association of Insurance Commissioners (NAIC), Liberty Mutual wrote over $13.7 billion in direct premiums in 2022.
Liberty Mutual Customer Reviews
Liberty Mutual has a largely positive reputation within the auto insurance industry. Many customers praise the company’s timely claims process and responsive customer service. Negative reviews from Liberty Mutual policyholders tend to center on issues with contacting claims adjusters and problems with the company increasing rates.
Liberty Mutual Car Insurance Customer Satisfaction
In August 2022, we conducted a nationwide car insurance satisfaction survey that polled 6,923 people. Of those who participated, nearly 5% reported they had a Liberty Mutual car insurance policy.
Here’s how Liberty Mutual customer satisfaction compares with the overall industry average from our survey. Each score is out of five points.
| Liberty Mutual Average | Insurance Company Industry Average | |
|---|---|---|
| Overall 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 |
Liberty Mutual Car Insurance Coverage
Liberty Mutual offers several standard insurance plans, including:
- Liability car insurance (bodily injury/property damage)
- Collision insurance
- Comprehensive insurance
- Medical payments (MedPay)
- Personal injury protection (PIP)
- Underinsured/uninsured motorist coverage
Liberty Mutual Coverage Options
Drivers can also purchase add-on coverage. Here’s an overview of the additional coverage options Liberty Mutual provides:
| Liberty Mutual Coverage | Details |
|---|---|
| Liberty Mutual Deductible Fund | This optional collision coverage helps reduce your deductible by $100 each year. |
| Lifetime Repair Guarantee | If your vehicle needs repairs because of an accident, this coverage takes care of all arrangements and guarantees your repair for as long as you own your car. The company partners with over 2,000 repair facilities nationwide. |
| New Car Replacement Insurance | This ensures that you receive a brand-new car if your totaled vehicle is under one year old and has fewer than 15,000 miles. |
| Better Car Replacement Insurance | If you get into an accident and your car is deemed a total loss, your coverage will give you money for a replacement car that is one model year newer with 15,000 fewer miles than your current car. |
| Rental Car Reimbursem*nt | If your vehicle is repaired at an approved repair facility, Liberty Mutual will reimburse you for your rental car. |
| 24-Hour Roadside Assistance | This add-on coverage provides 24-hour roadside assistance and covers towing, jump-starts, emergency fuel and flat tires. |
| Gap Coverage | Gap coverage will cover the remaining amount you owe on your car loan if your car is totaled. |
| Original Parts Replacement | This optional coverage will replace any damaged parts on your vehicle with components that meet the highest quality standards. |
How Do Liberty Mutual Auto Insurance Claims Work?
You can file a claim over the phone or through the Liberty Mutual website. Filing online usually takes about 10 minutes, and a claims representative typically gets back to you within two business days. With a Liberty Mutual online account, you can upload documents, schedule repairs and track your claim’s progress with ease.
Once you receive an estimate and schedule your repairs, Liberty Mutual will issue a check for the repair costs minus your deductible. If you choose a repair facility in the company’s Guaranteed Repair Network, Liberty Mutual will send payment directly to the shop.
Liberty Mutual Auto Insurance Cost
Liberty Mutual insurance costs are average in comparison to those of competitors. It can be more expensive for some drivers, but it may be one of the most affordable options for younger drivers due to the company’s range of auto insurance discounts. Unlike most major providers, Liberty Mutual does not participate in our Quadrant research for auto insurance quotes. For this reason, we have a quote we received from the company itself, broken down below.
Liberty Mutual Insurance Quote
Our team got a quote from Liberty Mutual for $351 per month for a full coverage policy. This quote was for a 35-year-old driver who owns a 2022 Toyota Camry and drives 12,500 miles per year. The cost for this policy comes out to $4,212 a year, which is higher than the national average of $2,008.
What Factors Affect Liberty Insurance Rates?
Car insurance costs are influenced by many factors, some of which are in your control and some which are not. Understanding which ones you have control can help you ensure you get the best rate.
Here are the most common factors that affect car insurance rates:
- Your location
- Vehicle
- Age and gender
- Marital status
- Driving history
- Credit score
Liberty Mutual Car Insurance Discounts
Liberty Mutual offers various types of insurance discounts for drivers, which can be stacked to help bring the cost of insurance coverage down. The company provides the following discounts:
| Liberty Mutual Car Insurance Discount | Details |
|---|---|
| Homeowner | Homeowners receive additional savings on their insurance plans. |
| Military | Active, retired or reserve U.S. military members can receive discounts. |
| Early Shopper | If you get a quote before your car insurance expires, you can receive an early bird discount if you sign with Liberty Mutual. |
| Good Student | Full-time students with a B average or better can receive discounts. |
| Student-Away-at-School | If your child is away at school and only occasionally drives your vehicle, you will receive a lower insurance rate. |
| Advanced Safety Features | If your vehicle has advanced safety features like anti-lock brakes, electronic stability control or adaptive headlights, you qualify for a discount. |
| Alternative Energy | If you have a hybrid or electric car, you can receive a lower premium. |
| Anti-Theft Device | Vehicles equipped with anti-theft technology qualify for extra savings. |
| Accident Free | If you have an accident-free driving record, you can receive further savings. |
| Violation Free | If you have no tickets or violations on your driving record, you can save on your premium. |
| RightTrack | Enroll in the RightTrack safe driving program to receive an initial discount for participating and a final discount of up to 30%. |
| Multi-Policy | You qualify for a discount if you’re bundling multiple plans with Liberty Mutual. |
| Multi-Car | Families who purchase car insurance through Liberty Mutual save more on premiums. |
| Preferred Payment | Enroll in automatic payments and get a discount. |
| Pay-in-Full | Pay your premium in one or two payments instead of monthly to receive a discount. |
| Online Purchase | When you get a free quote online and purchase a policy, you get a discount. |
| Paperless Policy | You can save on insurance when you sign up to receive statements through email instead of the mail. |
Liberty Mutual Home Insurance
According to our research, Liberty Mutual home insurance typically costs less than the national average. The NAIC reported that the national average for homeowners insurance premiums in 2018 was $1,249 per year.
Liberty Mutual Home Insurance Quote
We reached out to Liberty Mutual for home insurance quotes to provide you with a better understanding of what you can expect to pay for coverage.
| Location | Home Square Footage | Monthly Cost | Total Cost |
|---|---|---|---|
| Marlton, N.J. | 1,706 square feet | $89 | $1,068 |
| Charlotte, N.C. | 1,595 square feet | $108 | $1,296 |
| Richmond, Va. | 2,112 square feet | $75 | $897 |
Liberty Mutual Homeowners Insurance Discounts
Liberty Mutual consistently offers several car insurance discounts and lower premiums than competitors, which is why we named it our pick for discounts. Here are the discounts typically offered by Liberty Mutual:
- Claims-free discount: You can save on your home insurance policy if you have not filed an insurance claim with your previous insurance carrier for five years or more.
- Safe homeowner program: If your home insurance policy remains claim-free for three years with Liberty Mutual, you can save on your premium.
- Early shopper discount: When you get a quote from Liberty Mutual before your current policy expires, you may receive a discount when you sign up for a premium.
- Newly purchased home discount: You can receive a discount if you recently purchased a new home.
- New/renovated home discount: If your home was recently built or renovated, you might qualify for additional savings on your policy.
- New roof discount: If you’ve recently invested in a new roof, you can earn a discount on your home insurance policy.
- Multi-policy discount: You can receive a discount if you bundle more than one insurance policy with Liberty Mutual.
- Insured to value discount: You may qualify for a discount when you insure up to 100% of the cost to replace your home.
- Preferred payment discount: You can enroll in automatic payments linked to your bank account and get a discount.
- Paperless discount: You may save on your policy when you opt to receive notifications and bills electronically.
What Factors Affect Liberty Mutual Home Insurance Costs?
Several factors affect your home insurance cost, including:
- Location: Your state and ZIP Code can affect your insurance premium. If you live in a state prone to natural disasters, your home insurance rate will generally be higher.
- Claims history: You may receive higher home insurance rates if you’ve filed a claim within the past three to five years.
- Property details: Having a pool or trampoline on your property could cause your home insurance rates to spike due to liability concerns.
- Coverage needs: Your coverage needs may increase your home insurance rates. For example, you may pay more for dwelling insurance if your home has a higher value as it will cost more to repair or rebuild after an incident. Note that you can customize your coverage limits to fit your budget and needs.
- Deductible: The lower your deductible, the higher your premium. Raising your deductible to a higher amount can help keep your rates down.
Liberty Mutual Home Insurance Coverage
Home insurance policies offer financial protection for your home and personal property in the event of a disaster or accident. Liberty Mutual provides the following standard types of home insurance coverage:
| Liberty Mutual Home Insurance Coverage | Description |
| Dwelling coverage | This insurance helps cover the cost to repair or rebuild your home after a covered event. It includes protection from fire, water, weather, theft and vandalism. |
| Personal property coverage | This insurance covers your personal items, including any personal property you may be using outside of your home. Common items protected include furniture, clothing and electronics. |
| Personal liability coverage | This covers you in the event of injury or property damage to someone else. It helps pay for medical bills of someone injured on your property, repairs of accidental damage to someone else’s property and legal costs. |
| Wind/hail coverage | This covers your property for any damage caused by wind and hail. |
| Additional living expenses coverage | This insurance covers any necessary increase in living expenses if you need to live elsewhere during house repairs so you can maintain a normal standard of living. |
Liberty Mutual Endorsem*nts
Liberty Mutual also offers the following insurance options:
Liberty Mutual | Description |
| Blanket jewelry coverage | This add-on coverage replaces your jewelry if it is lost or stolen, with no deductible or upfront appraisal. |
| Hurricane damage coverage | This pays for damages to your property resulting from a hurricane. Your state may require a separate deductible for this add-on coverage. |
| Inflation protection | This add-on coverage option automatically adjusts your coverage limits at your policy’s renewal to keep pace with inflation. You’ll also receive a discount on your policy premium. |
Liberty Mutual Auto Insurance Reviews: The Bottom Line
In this article, Liberty Mutual auto insurance received 9.0 out of 10.0 stars by our reviews team based on the same categories used to assess all car insurance providers. We also included a complete guide to Liberty Mutual, providing in-depth information on the company’s auto and home insurance costs, coverage and customer reviews.
Liberty Mutual Alternatives
Car insurance is based on a variety of factors, and it’s important to find an insurer that offers everything you need in a plan and more. The best way to shop around is to compare free car insurance quotes from insurers before making a final decision.
Source: The Ramsey Show
Progressive: Best for Tech-Savvy Drivers
Progressive is the second-largest insurer in the nation and wrote nearly $39 billion in auto insurance premiums in 2022. The company offers many standard coverage options in addition to add-on coverage, including roadside assistance, rental car coverage, loan/lease payoff, rideshare coverage and pet coverage.
Progressive also provides you with a plan tailored to your driving, called the Snapshot® program, where the insurer tracks your driving through a plug-in device. By practicing safe driving, you may qualify for extra car insurance discounts. Progressive also has a highly-reviewed mobile app on both the App Store and Google Play.
Read more: Progressive insurance review
USAA: Best for Military Members
USAA is a reputable insurer that provides coverage for military members, veterans and their families. The company offers standard car insurance options and additional coverage, including roadside assistance, rental car reimbursem*nt and accident forgiveness. USAA is highly rated when it comes to customer satisfaction and affordability for its insurance products, as well.
Read more: USAA insurance review
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Liberty Mutual Insurance Reviews: FAQ
Below are frequently asked questions about Liberty Mutual Insurance Reviews.
Liberty Mutual is a reliable company when it comes to paying claims. It holds an A financial strength rating from AM Best, which shows its ability to pay out claims to Liberty Mutual customers.
Yes, Liberty Mutual insurance is a good reliable car insurance company. In our survey, 51% of the respondents who purchased a Liberty Mutual insurance policy were happy with the company.
We at the MarketWatch Guides team rate the Liberty Mutual insurance company a 9.1 out of 10.0 overall. After conducting deep research, we also give Liberty Mutual an 8.9 for its industry standing, a 10.0 for availability, an app 9.0 for costs and an 8.2 for customer experience.
No, Liberty Mutual is owned by Liberty Mutual policyholders and its shares are not available to investors on the market.
In some cases, Liberty Mutual insurance can cost more than the nationwide average. However, the insurer offers a wide range of discounts for policyholders that can be bundled and ultimately drive costs down. If you qualify for discounts, this provider could end up being an affordable option compared to competitors.
In our review of the best car insurance companies, we named Travelers, State Farm and Erie Insurance as the leading insurance companies in the nation based on reputation, availability, cost, coverage and customer experience.
Our Methodology
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:
- Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
- Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
- Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
- Customer experience: 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
*Data accurate at time of publication.
If you have feedback or questions about this article, please email the MarketWatch Guides team ateditors@marketwatchguides.com.
