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Shopping around for car insurance can save you money — and one of the best ways to shop around is to compare insurers online. You’ll likely see quotes from Liberty Mutual during your online insurance search and quote comparison.
The sixth-largest property and casualty insurer in the world, Liberty Mutual is a well-known insurance company operating in 29 countries and economies, with an estimate of more than 45,000 employees.
Here’s what you need to know to decide whether Liberty Mutual offers the right car insurance for you.
Liberty Mutual offers a wide variety of discounts.
In addition to standard coverage, Liberty Mutual sells extra coverage options, including a deductible fund and accident forgiveness.
Though the insurer earned an A+ rating from the Better Business Bureau, customer reviews are low.
What is Liberty Mutual car insurance?
Formed in 1912 to provide workers’ compensation insurance, Liberty Mutual has since grown to be one of the biggest property and casualty insurance companies in the world, offering a wide variety of insurance products. Liberty Mutual is based in Boston, Massachusetts, and the company ranked 78th on the Fortune 100 list of largest U.S. corporations, according to revenue from 2021.
How does Liberty Mutual auto insurance work?
As with other insurance companies, Liberty Mutual operates by charging policyholders a monthly premium for coverage. If your car needs repairs or replacement following an accident, the company will take care of covered costs once you’ve paid your deductible.
Like other insurers, Liberty Mutual assumes that it will pay out less in claims than what it receives in premiums. Insurance companies take risk models into account, so the higher the risk that you’ll make a claim, the more you’ll be charged for your coverage.
Even though some people may never need to use their insurance coverage, many people still purchase car insurance beyond their state’s minimum requirements. This is because they might not have enough money available to repair or completely replace their car or to pay for others’ injuries or damages. Auto insurance allows you to pay a manageable premium each month for the protection of knowing your insurer will help with costs after an accident.
Liberty Mutual auto insurance coverage
Liberty Mutual offers different types of coverage and allows you to customize your policy from a variety of choices and add-ons so you only pay for what you use.
This type of car insurance covers damage from noncollision incidents related to falling objects, hail, vandalism, natural disasters, and more. You might be required to purchase this coverage if you have an auto loan or lease. Liberty Mutual customers pay an average of $284 per month for comprehensive coverage.
Most states require liability coverage, which covers costs when you cause bodily injury or damage to others’ property with your vehicle. It covers the medical payments and other costs if you hurt someone else with your car. The national average premium for Liberty Mutual’s liability-only coverage is $198.
This covers damage to your vehicle due to an accident (or replaces it), regardless of fault. It also covers car damage when you run into an object, such as a tree or guardrail. Collision insurance protects you no matter what type of accident you have. As your car declines in value, the cost of collision coverage might be more than you want to pay.
Personal injury protection
If you’re injured in an accident — no matter who’s at fault — Liberty Mutual will help cover your hospital and medical bills, as well as rehabilitation costs, lost income, and more if you have this coverage.
This coverage will provide you with money to pay medical bills and help you cover the cost to repair or replace your car if an uninsured motorist causes an accident.
Rental car reimbursement
If vehicle damage from an accident temporarily prevents you from driving your car, this coverage allows you to use a rental car, up to the limit of your coverage.
Liberty Mutual offers additional coverage that protects you from seeing an increase in your premium after your first accident. Most insurance companies immediately raise your rate after an accident. To qualify, your driving record needs to have been free of accidents and violations for the last five years.
Better car replacement
You can buy this add-on coverage to ensure that if you total your car, you’ll be able to get the most recent model to replace it.
Teachers’ auto insurance
One of Liberty Mutual’s add-ons, this coverage provides teachers savings through coverage with no deductible for collisions that occur while driving on school business or for vehicle damage from vandalism on school property.
How to get a car insurance quote from Liberty Mutual
When you’re ready for a car insurance quote, you can use the Insurify quote-comparison tool to help you compare Liberty Mutual to other insurance companies.
Enter your ZIP code. Entering your ZIP code will show you which auto insurers offer coverage in your area. You can also call an Insurify agent at 1 (866) 334-9627 for assistance.
Be ready with your desired coverage information. You’ll need to enter information regarding how many vehicles you want to insure, as well as the vehicle types, your driving habits, and your driving record.
Gather documentation. For accurate quotes, you need to provide specific information about your car and ability to drive, including your driver’s license number, license plate number, vehicle purchase date, vehicle identification number (VIN), current odometer reading, and any current insurance policy information.
Once you provide this information, Insurify will provide you with eligible policy options and quotes. You can compare this information to figure out whether Liberty Mutual will work best for you.
Liberty Mutual car insurance cost by state
Influenced by a number of area-based factors, auto insurance premiums vary by state. For example, the number of car break-ins, accidents, and crime in a ZIP code factors into insurance costs, as well as an area’s weather, population density, and road conditions.
Find average monthly quotes for full-coverage and liability-only insurance from Liberty Mutual in 15 of the most populated states below.
|State||Average Monthly Quote: Full Coverage||Average Monthly Quote: Liability Only|
Liberty Mutual auto insurance rates by driving history
Your driving history can have a big effect on your insurance rates. Driving violations on your record, such as a speeding ticket, at-fault accident, or citation for driving under the influence (DUI), will likely cause an increase in your premiums. Drivers with clean records typically earn the lowest monthly premiums.
The table below shows the average monthly quotes for full-coverage and liability-only insurance from Liberty Mutual, based on driving history.
|Driving History||Average Monthly Quote: Full Coverage||Average Monthly Quote: Liability Only|
Liberty Mutual car insurance cost by age
As you age, your insurance premiums will likely decrease over time. Teenagers and drivers under 25 tend to pay the highest car insurance rates due to less driving experience, but premiums typically drop significantly when you reach age 30. Older drivers, specifically those in their 60s and 70s, typically earn the lowest premiums.
Find average monthly quotes for coverage with Liberty Mutual by driver age below.
|Driver Age||Average Monthly Quote|
Learn More: Compare Car Insurance by Age and Gender
Liberty Mutual car insurance discounts
An auto insurance discount can lower the cost of your policy. Make sure you find out what you qualify for because you might be eligible for more than one discount. You could save hundreds of dollars a year as a result of discounts.
Military: Active, retired, or reserve service members in the U.S. Armed Forces are eligible for a discount.
Good student: If you’re in school with a B average or higher, you’re eligible. If your plan includes a covered student, including someone away at school, they might be eligible for the good student discount.
RightTrack: Enroll in this discount program and download an app that will help track your driving habits. After 90 days, you could see a total discount of up to 30%.
Multi-car: If you have more than one car, you can get a discount for insuring them all with Liberty Mutual.
Paperless policy: Opt out of receiving paper statements to earn a small discount.
Preferred payment: Setting up automatic payments from your bank account results in a lower monthly premium.
Liberty Mutual Insurance bundling options
Bundling describes the process of purchasing two different policies with the same company. When you bundle insurance policies, you have the potential to save money on both policies. Liberty Mutual allows you to bundle your car insurance with a homeowners, renters, or condo policy. This can help you streamline your finances by putting multiple policies in one place. The company claims you can save up to $947 a year by bundling your home and auto insurance policies.
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Liberty Mutual Insurance reviews and ratings
As you compare auto insurers, it’s a good idea to look at company reviews and ratings. In the J.D. Power 2022 U.S. Auto Insurance Study, Liberty Mutual earned below-average overall customer satisfaction index ratings in the California, Florida, Mid-Atlantic, New England, New York, North Central, Southeast, and Southwest regions. It ranked above average in the Central region.
Liberty Mutual earned a financial strength rating of A from A.M. Best, indicating a strong ability to pay out claims.
Liberty Mutual customer reviews
Most insurance companies won’t receive entirely perfect reviews all the time. You should weigh the positive and negative reviews to get a full view of how customers feel about coverage from the company. Customer service reviews of Liberty Mutual tend to skew more negative than positive.
Liberty Mutual ratings
Various websites offer ratings based on customer reviews and other factors. Here are some of the ratings that Liberty Mutual earned:
Better Business Bureau: A+ BBB accreditation, 1.1 out of 5 stars with 955 reviews
Trustpilot: 1.3 out of 5 stars with 183 reviews
Sitejabber: 1.25 out of 5 stars with 32 reviews
Apple App Store: 4.8 out of 5 stars with 303,900 reviews
Google Play Store: 4.7 out of 5 stars with 99,500 reviews
Liberty Mutual vs. other insurance providers
The car insurance market includes many insurance providers offering various coverage options. Insurify can help you compare quotes from different auto insurers at once to find the most affordable and applicable coverage for your needs.
Keep reading to see how Liberty Mutual compares to similar auto insurers.
Liberty Mutual vs. Allstate
Allstate offers a wide network of agents around the country. It also provides a number of discount opportunities, including through its Drivewise program — which works similarly to RightTrack because it’ll track your driving habits and adjust your premium accordingly.
Coverage from Allstate generally costs less than insurance from Liberty Mutual. Both companies offer rideshare coverage for Uber and Lyft drivers, but Liberty Mutual sets itself apart with accident forgiveness and a wider variety of add-ons.
On average, Allstate insurance costs $146 per month for liability-only insurance and $212 per month for full coverage, while Liberty Mutual policyholders pay $198 and $284 for those coverages.
Liberty Mutual vs. GEICO
GEICO is well-known for its gecko commercials and for offering very low rates. Even though GEICO costs less, it comes with fewer options for customization than Liberty Mutual. Additionally, GEICO doesn’t offer gap insurance, so other insurers may work better for you if you’re leasing a new car or buying one with a loan.
“If you have a newer car, you may want to consider gap coverage,” says Janet Ruiz, director of strategic communications at the Insurance Information Institute.
Liberty Mutual vs. State Farm
State Farm leads the country in car insurance by market share. Like Liberty Mutual, State Farm offers a number of discounts, including those that reward good driving habits.
However, State Farm doesn’t offer the same level of accident forgiveness as Liberty Mutual, so policyholders will likely face increased rates following driving incidents. State Farm offers cheaper coverage than Liberty Mutual, with average monthly quotes of $125 for liability-only insurance and $175 for full coverage.
More about Liberty Mutual Insurance
Liberty Mutual has won several awards related to its workplace culture, including recognition by the Boston Globe, Computerworld, the National LGBT Chamber of Commerce, the Military Times, the 2022 Disability Equality Index, the Human Rights Campaign Foundation, and more.
Who owns Liberty Mutual Insurance?
Liberty Mutual auto insurance is part of Liberty Mutual Group, which has been headquartered in Boston, Massachusetts, since 1912.
Liberty Mutual pros and cons
When considering Liberty Mutual as a potential insurance provider, you should weigh the coverage advantages and disadvantages the company presents.
Wide variety of available discounts
Ability to customize coverage
Accident forgiveness program
Relatively high premiums
Below-average J.D. Power ratings
Many negative online customer reviews
Filing an auto insurance claim with Liberty Mutual
To get coverage from your auto insurer following an accident, you need to file a claim. You’ll typically need to pay your deductible, a set out-of-pocket amount, prior to receiving coverage. If your car damage costs $3,000 to repair, and your deductible is $500, you would pay $500 and Liberty Mutual would cover the remaining $2,500.
Liberty Mutual has robust online and mobile tools. You can initiate a claim by opening your mobile app and selecting “File a claim” or by calling the claims number on your insurance card. Be ready with information about the date and time of the incident, vehicle damage, the other driver’s information, and whether a police report was filed. Take pictures to aid in your claim. Liberty Mutual allows you to upload images using the app.
Other Liberty Mutual Insurance products
Liberty Mutual offers many insurance products in addition to car insurance, including the following:
Homeowners: This protects your finances after damage to your home and provides liability coverage in case others are injured on your property.
Renters: This provides coverage for your personal property if it’s damaged or destroyed while inside your rental. This doesn’t cover the rental building itself.
Umbrella: This type of liability insurance offers additional coverage amounts that can protect you if you’re sued.
Life: This coverage provides for your family in the event of your death. It can help your family maintain support when they lose your income.
Pet: If you have a pet, this type of insurance can help you pay for medical procedures and other covered costs.
Landlord: If you own rental units, this policy can provide you with everything you need to cover the structure of your rental and other items associated with being a landlord.
Flood: Generally, a standard insurance policy excludes flood insurance. Flood insurance can help you cover costs related to flood damage.
Liberty Mutual FAQs
As you consider whether Liberty Mutual offers the right coverage choice for you, take a look at answers to the following frequently asked questions.
Yes, Liberty Mutual is legitimate. It has high financial ratings from A.M. Best. However, some customers cite concerns over the high rates and lack of transparency over how some programs work.
Whether a company is worth it depends on your specific needs, budget, and other factors. The company earned an A financial strength rating from A.M. Best, which indicates an ability to pay claims, but online customer reviews skew more negative than positive. For people who want a high degree of customization and can afford the higher prices, Liberty Mutual can be a good choice.
On average, Liberty Mutual costs $284 per month for full coverage and $198 for liability-only insurance.
Liberty Mutual has an A rating from A.M. Best for its financial strength and an A+ BBB accreditation rating for long-term obligations. The company has been around for a long time and has demonstrated an ability to pay claims.
In general, Liberty Mutual scores low in customer satisfaction. Customers have written many negative reviews on a variety of websites, and J.D. Power ranked it below average for overall customer satisfaction in many regions in its 2022 U.S. Auto Insurance Study.
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- Liberty Mutual. "Corporate Information." Accessed February 27, 2023
- Better Business Bureau. "Liberty Mutual Group." Accessed February 27, 2023
- Liberty Mutual. "Types of insurance coverage for your car." Accessed February 27, 2023
- J.D. Power. "Usage-Based Auto Insurance Takes Center Stage as Satisfaction Flatlines, J.D. Power Finds." Accessed February 27, 2023
- A.M. Best. "A.M. Best Affirms Credit Ratings of Liberty Mutual Holding Company Inc. and Subsidiaries." Accessed February 27, 2023