Liberty Mutual Insurance Review
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Pros And Cons
As the sixth-largest auto insurance provider in the United States, Liberty Mutual offers quality coverage to customers nationwide. The company boasts outstanding financial health and a plethora of coverage options, but what do Liberty Mutual insurance reviews have to say about the insurer?
In this Liberty Mutual auto insurance review, we’ll take a close look at the insurer’s costs, coverage, reliability, and customer experience to help you determine if it’s the best choice for you. We recommend reaching out to the best car insurance companies for free quotes before making a final decision.
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Liberty Mutual Rating: 4.4 Stars
We give Liberty Mutual an overall score of 4.4 stars out of 5.0 for its array of coverage options and excellent industry reputation. The provider’s A rating for financial stability from AM Best and wide variety of discounts are significant draws, though other companies have higher ratings when it comes to customer service and the claims process.
Our Rating
| Cost | 4.0 |
| Coverage | 4.5 |
| Reliability | 4.6 |
| Service | 4.4 |
| Overall Rating | 4.4 |
About Liberty Mutual Insurance
Founded: 1912
States available: All 50 states
AM Best financial strength rating: A
Insurance types: Auto, motorcycle, home, renters, umbrella, life
Over the last century, Liberty Mutual has grown from an insurance startup to the sixth-largest provider of auto coverage in the country, according to the National Association of Insurance Commissioners (NAIC). The Boston-based company offers protection for countless drivers and holds one of the industry’s most recognizable names.
The company currently operates in all 50 states with over 400 local offices. Liberty Mutual currently sells:
- Auto insurance
- Motorcycle insurance
- Homeowners insurance
- Renters insurance
- Umbrella insurance
- Life insurance
Liberty Mutual Car Insurance Cost And Discounts
It’s easy to get a car insurance quote from Liberty Mutual, as the company can put together a rate estimate with just a few pieces of personal information. By collecting no-obligation quotes from Liberty Mutual and other leading providers, you’ll be able to see whether the company matches your pricing and coverage needs. Discounts are also easy to come by with the insurer, so you can take advantage of savings opportunities to lower your rates.
Regardless of which provider you choose, how much car insurance is depends on a variety of factors, including:
- Location: Car insurance premiums can vary drastically in different states. High prices are common in states with extensive minimum coverage requirements, high rates of car theft, and large proportions of uninsured motorists. You’ll also pay more on average if you live in an urban area versus a rural locale.
- Age and gender: Young men face steeper auto insurance prices, though rates start to decrease once drivers reach their mid-20s.
- Marital status: Married motorists tend to be involved in fewer accidents, so they receive lower rates than single drivers.
- Credit score: Those with low credit scores are usually charged high car insurance premiums.
- Driving history: Auto insurance prices peak for motorists with DUIs and car accidents on their driving records.
- Vehicle type: Owners of newer vehicles, cars often targeted by thieves, and cars with subpar safety ratings pay increased insurance prices.
Liberty Mutual Insurance Discounts
Many Liberty Mutual insurance reviews praise its impressive array of discounts. Before signing up for an auto policy, check out the following ways to save:
| Homeowner Discount | Benefits drivers who are also homeowners |
| Military Discount | Lowers prices for those who serve or served in the U.S. armed forces |
| Early Shopper Discount | Rewards those who get quotes before their current auto insurance policies expire |
| Good Student Discount | Lowers rates for students with strong academic performance |
| Student-Away-at-School Discount | Helps students who leave cars at home while away at college |
| Advanced Safety Features Discount | Incentivizes having airbags, electronic stability control, and adaptive headlights |
| Alternative Energy Discount | Gives lowered rates for electric and hybrid vehicles |
| Anti-Theft Device Discount | Decreases premiums on cars with anti-theft equipment |
| Accident-Free Discount | Saves money for drivers who haven’t been involved in accidents |
| Violation-Free Discount | Increases savings for motorists with no violations |
| Multi-Policy Discount | Lowers prices for those bundling Liberty Mutual auto and home insurance |
| Multi-Car Discount | Saves money on plans with more than one vehicle |
| Preferred Payment Discount | Benefits those who enroll in automatic payment |
| Pay-in-Full Discount | Saves money for those who pay for their entire policies up front |
| Online Purchase Discount | Purchase a Liberty Mutual insurance policy online and receive a lower rate |
| Paperless Policy Discount | Receive your policy information online and save money |
In addition to these discounts, Liberty Mutual insurance reviews mention the RightTrack usage-based insurance program as an excellent opportunity to save. Through the program, customers can download an app that rewards their positive driving habits with lower prices.
Liberty Mutual Auto Insurance Coverage
Customers have plenty of options when it comes to Liberty Mutual auto insurance products. From basic liability coverage all the way to full coverage with original parts replacement protection, the company offers a wide variety of quality car insurance coverage choices.
Standard Coverage Options From Liberty Mutual
| Liability | Bodily injury (BI) liability insurance covers medical expenses for other drivers and their passengers after an accident where you are at fault. Property damage (PD) liability insurance pays for damages to other drivers’ vehicles after an accident where you are at fault. |
| Collision | Collision insurance pays for damages that occur while your car is moving, either with another vehicle or a road hazard, or if you flip your vehicle. |
| Comprehensive | Comprehensive insurance pays for damages to your vehicle that are caused by animals or natural disasters. It also pays to repair or replace your vehicle in the event of theft or vandalism. |
| Uninsured/Underinsured Motorist | Uninsured/underinsured motorist coverage pays for damages to your vehicle if you are hit by another driver who does not have insurance or does not have enough insurance to fully pay for the cost of damages. |
| Personal Injury Protection | Personal injury protection (PIP) pays medical bills for you and your passengers after an accident. PIP may also pay for other expenses such as lost wages. |
| Medical Payments | Medical payments (MedPay) covers medical bills for you and your passengers after an accident. |
Additional Coverage Options From Liberty Mutual
| Guaranteed Asset Protection | Guaranteed asset protection (GAP coverage) pays the difference between your auto loan and your car’s depreciated value if it gets totaled. |
| Roadside Assistance | Roadside assistance ensures that you can get help if your car breaks down mid-trip. |
| Towing Coverage | Towing coverage takes care of the costs of having your car towed after a breakdown. |
| Rental Car Reimbursement | Rental car reimbursement pays for your transportation needs while your car is in the shop for repairs. |
| Accident Forgiveness | Accident forgiveness pardons your first at-fault offense on the road. |
| Original Parts Replacement | Original parts replacement guarantees that you’ll get the best possible parts for your vehicle. |
| New Car / Better Car Replacement Insurance | New car replacement insurance covers the cost of a brand-new car if your old one gets totaled. Better car replacement insurance covers the cost of a model one year newer than your old car. |
| Lifetime Repair Guarantee | Lifetime repair guarantee lets Liberty Mutual make arrangements for your car’s repairs for as long as you own it. |
| Liberty Mutual Deductible Fund | Liberty Mutual deductible fund eliminates your deductible by replacing it with a monthly premium. |
Liberty Mutual’s customizable plans allow you to purchase the vehicle protection you need. While it’s always recommended to get more than your state’s minimum required coverage, Liberty Mutual goes above and beyond with its optional coverage add-ons.
It’s also worth noting that Liberty Mutual is financially capable of backing its plans, as it holds an A rating for financial strength from AM Best. The company’s cash flow is stable, and there’s a strong outlook for future growth.
Liberty Mutual Usage-Based Insurance
Liberty Mutual insurance reviews often speak highly of the company’s RightTrack usage-based insurance plan, which rewards good drivers with reduced insurance rates. Vehicle tracking allows companies to adjust prices for motorists’ mileage and habits while on the road.
On one hand, the main downside of RightTrack is that the app constantly monitors the location of its users. On the other hand, it’s a great and simple way to significantly reduce your car insurance rates.
Liberty Mutual Insurance Mobile App
The Liberty Mutual mobile app receives excellent scores for its usability and broad set of features, garnering a 4.8-star rating out of 5.0 on the App Store and 4.7 stars out of 5.0 on Google Play. Liberty Mutual customers can access ID cards, call roadside assistance, file insurance claims, and view estimates from the app, making it a convenient way to manage your auto policy.
As witnessed in Liberty Mutual insurance reviews, the app’s combination of simplicity and helpful features makes it a top-rated choice in the industry. Most users will consider it a step up from offerings by competitors.
Liberty Mutual Insurance Reviews
Better Business Bureau (BBB) rating: A+
BBB complaints in last three years: 1,436
J.D. Power customer satisfaction index: 876 / 1,000
Trustpilot rating: 1.4 / 5.0
It’s hard to get an exact read from Liberty Mutual insurance reviews due to the company’s conflicting scores. While Liberty Mutual receives 3.6 stars out of 5.0 on Google Reviews, the provider earned a 1.1-star average out of 5.0 from consumer reviews on the BBB website and a 1.4-star average out of 5.0 from customers on Trustpilot. However, these reviews represent only a small number of all Liberty Mutual policyholders.
Another indicator of the company’s service standards is the J.D. Power 2021 U.S. Auto Insurance Study℠, in which the provider scored below average in all regions except for Texas and the Southwest. Liberty Mutual also performed slightly below the industry average in the J.D. Power 2021 U.S. Auto Claims Satisfaction Study℠.
Positive Liberty Mutual Insurance Reviews
Favorable Liberty Mutual insurance reviews regularly mention the company’s professional insurance agents and speedy response after policyholders file claims.
“My experience with my auto accident claim was excellent. Everything was handled and expedited in an efficient and timely fashion. The person who handled my claims was very kind and professional.”
– Naomi R. via Google Reviews“Very competitive pricing on premiums. Have received quality, honest, and professional service.”
– Carol S. via BBB
Negative Liberty Mutual Insurance Reviews
Negative Liberty Mutual insurance reviews complain about the company’s poor communication and claims being denied for seemingly no reason.
“Poor service, rude, lack of knowledge. Raised rates without notice. When I called to find out about the rate increase they did not care.”
– Caleb M. via BBB“They were supposed to call me about an accident but never did. Even after I called them multiple times. Still driving around with a damaged vehicle after over 10 months.”
– Victoria A. via Google Reviews
Best Car Insurance Companies
While Liberty Mutual insurance reviews aren’t glowing, it’s probably still worth getting a free quote to compare prices with other industry leaders. We recommend checking out Geico and State Farm when you shop for car insurance coverage.
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Geico: Best Overall Provider
Geico is another auto insurance company with a sterling reputation and strong name recognition, and it backs it up with quality service. With an A+ rating from the BBB and an A++ financial strength rating from AM Best, Geico can be trusted to offer consistently excellent service.
In several states, Geico is one of the cheapest car insurance choices available for many drivers, making it an easy choice for coverage. The company’s competitive premiums, quality service, and financial stability led us to name Geico the Best Overall Provider in our Geico insurance review.
State Farm: Best For Student Drivers
State Farm is the largest car insurance provider in the country, and for good reason. Customers have come to expect an efficient claims process, relatively affordable rates, and helpful representatives when they pick State Farm.
In our State Farm insurance review, we found that the company is a good option for auto insurance for many drivers. From its A++ score for financial strength from AM Best to an above-average customer satisfaction ranking in the latest J.D. Power Auto Insurance Study, State Farm keeps many of its customers pleased.
Frequently Asked Questions
Is Liberty Mutual good at paying claims?
Liberty Mutual’s A rating from AM Best highlights the company’s ability to reliably pay out claims. However, based on customer reviews, the provider does not always pay claims in an efficient and timely manner. Liberty Mutual scored below the industry average in the J.D. Power Auto Claims Satisfaction Study and receives a high number of complaints about its claims process.
Which is better: Liberty Mutual or Geico?
Liberty Mutual insurance reviews typically lean more negative than Geico’s. Geico offers lower average prices and a stronger overall J.D. Power customer satisfaction rating. Still, it’s worth getting free quotes from both providers to compare prices based on your needs.
What is the rating of Liberty Mutual insurance?
Liberty Mutual holds an A+ rating from the BBB and an A rating from AM Best for financial strength, meaning the company can easily cover insurance claims. However, it also has a 1.1-star rating out of 5.0 from consumer reviews on the BBB website and 1.4 stars out of 5.0 on Trustpilot.
Who is Liberty Mutual owned by?
Liberty Mutual Group stands alone as the 71st-largest corporation in the United States. According to the Fortune 500, the company made nearly $44 billion in revenue in 2020.
Is Liberty Mutual expensive?
Liberty Mutual can be affordable for teens and young drivers because of its discounts. Compared to other providers, Liberty Mutual’s prices are about average overall. We recommend you compare quotes from Liberty Mutual with other companies to see if it’s cheap for you.
How is Liberty Mutual ranked?
Liberty Mutual is the sixth-largest car insurance company according to the NAIC. It wrote over .8 billion in premiums in 2020, which ranked it just behind Allstate and USAA.
Does Liberty Mutual offer accident forgiveness?
Yes, Liberty Mutual Insurance offers accident forgiveness. In order to qualify, drivers must not have had any accidents or violations in the past five years. Drivers under the age of 25 must also have five consecutive clean years of driving before their first accident is forgiven.
How We Rate Insurers
Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:
- Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Service: We comb through customer reviews on sites like the BBB to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.
*Data accurate at time of publication.
