Liberty Mutual Auto Insurance offers a full range of personal insurance products, including auto insurance. It's licensed nationwide, and despite higher rates than companies like GEICO or Progressive, it maintains a high market share. Customers can bundle home, auto, and other personal insurance, and Liberty Mutual car insurance can be quoted online or via captive or broker insurance agents.
Business Insider compared Liberty Mutual's auto insurance products to the best auto insurance policies on the market and found it to be an inconsistent option, with a wide variety of coverage but low customer satisfaction and high premiums.
Liberty Mutual Auto Insurance Overview
Available to drivers in all 50 states and Washington, D.C., Liberty Mutual Auto Insurance offers a wide variety of coverage and discount opportunities. The company insures drivers nationwide, providing greater flexibility to insure drivers who may not have a perfect driving record while offering full coverage options.
Liberty Mutual also has a handful of noteworthy additional features to mention, such as its lifetime repair guarantee, accident forgiveness, and original parts replacement coverage. It also offers customized insurance for teachers with exclusive savings.
Liberty Mutual also offers a safe driving program called RightTrack, which works through the Liberty Mutual mobile app. Drivers can earn up to 10% for simply signing up for the program, at which point the app will monitor your driving for 90 days and assign you a rate based on your driving, which can save drivers up to 30% on car insurance.
Liberty Mutual Auto Insurance has an A rating from AM Best, an agency that provides credit ratings for the insurance industry, which means the company is financially capable of backing its plans and paying claims.
In terms of affordability, we found that Liberty Mutual's rates tend to be higher than those of some competitors like GEICO and Progressive, so it may not be the first-round draft pick for shoppers seeking a budget-friendly policy.
Another shortcoming of Liberty Mutual is its customer satisfaction. J.D. Power's auto insurance study of 2024 found that Liberty Mutual has the lowest customer satisfaction of available providers in many regions, like the Northwest and Florida. Additionally, according to the NAIC customer complaint index, it has more complaints than expected.
831
A
- Coverage is available in all 50 states and Washington, DC
- Quotes can be obtained online or through a Liberty Mutual or broker agent
- Bundling discounts are available for interested buyers
- Discounts for young drivers may require more paperwork
- Rates may not be competitive for higher risk drivers
- Get up to 30% in savings with the RightTrack program
- Military members receive a discount
- Specialized coverage for teachers
- Required coverage for vehicles traveling to Mexico
Compare Liberty Mutual Auto Insurance
842
A+
- Coverage available in all 50 states
- Discounts for bundling insurance products with competitive rates
- Highly rated with JD Power and AM Best
- Rates may jump significantly after your first accident or for higher risk drivers
- Mixed reviews on claims and customer service on sites like Consumer Affairs and TrustPilot
A highly ranked and long-standing insurance company, Progressive offers auto, home, motorcycle, and other insurance across the United States.
Progressive Auto Insurance- Ranked #17 out of 18 in auto claims satisfaction
- Bundling, vehicle safety, and student driver discounts
- Low rates
- Name your price tool
826
A+
- Offered in all states
- Multiple discounts to reduce cost including multi-policy discounts
- Strong customer service rankings and financial stabillity
- Captive agents can only quote Allstate products
- May not offer affordable coverage for high-risk drivers or households with teen drivers
- Rental reimbursements
- Student, vehicle safety, and good driving discounts
862
A+
- Many discounts and options to bundle insurance policies
- high customer satisfaction according to JD Power's auto insurance study
- Long history in the insurance industry
- Not available in Hawaii
- May not provide the most competitive rates for higher risk drivers
- Ranks high in customer satisfaction
- Discount for students and vehicle safety
Liberty Mutual Auto Insurance Pros & Cons
Make sure you're aware of these pros and cons before purchasing an auto insurance policy from Liberty Mutual.
Liberty Mutual Auto Insurance Pros
- Customizable coverage options
- Variety of discounts
- Digital tools like RightTrack®
- Strong financial stability
Liberty Mutual Auto Insurance Cons
- Rates may be higher than some competitors
- Customer satisfaction ratings can be mixed
Liberty Mutual Auto Insurance Plans Available
Liberty Mutual's auto insurance policies can cover state minimums, auto loan provider requirements, or comprehensive coverage for families who want to be prepared for just-in-case situations. A few of its coverage options include:
- Collision insurance: Collision coverage protects you if you collide with another car or into an object.
- Comprehensive insurance: Comprehensive coverage will pay to repair or replace your vehicle in ta noncollision event (theft, fire, vandalism, or hitting an animal).
- Uninsured motorist coverage: If another party is uninsured in an accident, this coverage will pay for your medical expenses.
- Bodily liability coverage: If you're at fault in an accident, liability coverage pays for the medical costs of people who incurred injury from the accident (not including yourself). Most states require liability protection, but many insurance professionals recommend higher liability limits to protect you in a more expensive accident.
- Property liability damage coverage: If you're at fault in an accident, this coverage pays for the other party's vehicle repairs and property damage. State law will set your minimum coverage, but many professionals recommend higher limits to protect you after a significant accident.
- Medpay coverage: Medical payment coverage pays for you and any passenger's medical expenses, regardless if you were at fault in an accident. Medical coverage is required in some states. Depending on where you live, it may be referred to as "personal injury protection" or "PIP."
- Personal injury protection: Similar to medical payment coverage, PIP offers coverage for you and any passengers' medical expenses, regardless of whether you were at fault or not. However, unlike Medpay, PIP also offers coverage for loss of income as a result of injury.
Additional Coverage Options (Riders)
Liberty Mutual car insurance offers several unique riders and discount options to enhance the policyholder experience. For some drivers, it will improve policy benefits or reduce price enough to make it the most competitive auto insurance option.
- Deductible fund: Paying $30 annually can reduce your deductible by $100 annually. The benefits can exceed your deductible if you continue to pay into the fund for more than five years.
- Lifetime repair guarantee: The company will connect you with an approved repair shop to fix your vehicle after an accident. If something goes wrong later because the repair was insufficient, it will pay to resolve the issue, but the guarantee does not transfer if you sell the car.
- New car replacement insurance: This optional coverage will reimburse you for the cost of a new car (not just the depreciated value) if you total your car in the first year of ownership.
- Better car replacement insurance: This optional coverage will reimburse you for purchasing a car one year newer than your totaled car with the added benefit of 15,000 fewer miles.
- Rental car reimbursement: If your vehicle is at a Liberty Mutual-approved shop for repairs after an accident, this coverage will pay for a car rental. Policyholders set a per-day limit. Particularly if you live in a more rural area, you may choose higher benefits for higher rental rates.
- 24-hour roadside assistance: If your car breaks down, the insurer will help you jump-start or tow your vehicle. Roadside assistance services can also bring you fuel and other routine services to get you back on the road.
- Original parts replacement: This coverage, also known as Original Equipment Manufacturer coverage, helps you replace any damaged vehicle parts.
- Gap insurance: Gap coverage will cover the difference between your car's value and the remaining lease amount if your car is totaled. Many borrowers are underwater on car loans at some point, more so if they buy a new car. Gap insurance ensures you are not tied down by an old loan on a vehicle you no longer own.
- Teachers' auto insurance: Teachers can get additional protection for their vehicles and teaching materials if damaged or stolen on school grounds. This includes vandalism loss protection, personal property coverage, and collision coverage.
- Mexico car insurance: This coverage protects your car across the border if you're traveling to Mexico. Liberty Mutual partners with insurance provider MexPro, so MexPro would pay claims.
How Much Does Liberty Mutual Car Insurance Cost?
Several factors impact your car insurance premium, including location, gender, and vehicle type. Age will also determine the cost of your policy significantly. Liberty Mutual exceeds the average cost of car insurance for all ages and genders.
| Age | LM Average Monthly Premium | National Average (Females) | National Average (Males) |
| Teens | $492 | $345 | $386 |
| 20s | $295 | $223 | $240 |
| 30s | $208 | $164 | $167 |
| 40s | $202 | $154 | $154 |
| 50s | $182 | $138 | $140 |
| 60s | $164 | $136 | $142 |
| 70s | $167 | $160 | $173 |
Liberty Mutual Car Insurance Discounts
Liberty Mutual offers the following discounts to help drivers save on their auto insurance policies.
- Homeowner Discount: Being a homeowner qualifies you for this discount.
- Military Discount: Those who are active, retired, or reserved in the U.S. Armed Force may qualify for this discount.
- Early Shopper Discount: You're eligible for the early shopper discount if you get a quote with Liberty Mutual before your current car insurance expires.
- Good Student Discount: If you have a GPA of B or better at school, Liberty Mutual will give you a discount on your policy.
- Student-Away-at-School Discount: You're eligible for this discount if your child is away at school and only occasionally drives your car.
- Claims-Free Discount: If you have a claims-free driving history, Liberty Mutual will reward you for it with savings.
- Violation-Free Discount: You'll also get a discount if your driving history is violation-free.
- RightTrack: If you enroll in the RightTrack program, you can get rewarded for your good driving behavior.
- Multi-Policy Discount: You'll get a discount for bundling policies.
- Multi-Car Discount: Saves you money if you insure multiple vehicles with Liberty Mutual.
- Preferred Payment Discount: You're eligible for this discount if you enroll in automatic payment or pay for your policy in one or two payments.
- Online Purchase Discount: This discount applies when you buy your policy online.
- Paperless Policy Discount: This discount is available if you opt to receive your policy documents and statements electronically instead of by mail.
Who is Liberty Mutual Car Insurance Best For?
- Drivers who want personalized coverage: Liberty Mutual offers a variety of options to tailor your policy to your needs.
- Those seeking accident forgiveness: This benefit can provide peace of mind and potential cost savings.
- Individuals who are comfortable with digital tools: Liberty Mutual is also great for those comfortable with online tools like the RightTrack® program and online account management.
How to Purchase and Manage a Liberty Mutual Car Insurance Policy
You can purchase a Liberty Mutual car insurance policy online by getting a quote and providing some basic information, such as your ZIP code and the make and model of your vehicle. If you prefer to talk to someone before buying a policy from Liberty Mutual, you can call the company for a quote at 800-290-6150.
To manage your policy online, download Liberty Mutual's mobile app, which is available both on the App Store and Google Play. With the app, you can pay your bills, file and track claims, view policy details, and update your policy on the go.
How to File a Claim with Liberty Mutual Car Insurance
The website has a step-by-step claims filing process. You'll need your username and password, the date of the incident, and a description of the incident. If you're not a policyholder and are filing a claim against a Liberty Mutual Auto Insurance member, you'll need the at-fault party's policy number and last name. It will guide you through a few questions in a matter of minutes to start your claim.
If you need help filing a claim online, speak to a live representative at 1-800-225-2467 or by texting 80361. The insurer will review your inquiry and respond in one to two business days. Keep in mind that customers who are at fault pay their deductible first. If your claim value is below or close to your deductible, you might want to consider if filing a claim is worth it.
Liberty Mutual Auto Insurance Customer Service and Support Experience
Liberty Mutual has overwhelmingly negative customer service ratings, receiving an average of 1.1 stars on Trustpilot and 1.1 stars on its Better Business Bureau page. Negative reviews mentioned unexpected rate hikes, slow claims processing, quotes that didn't reflect actual premiums paid, and overall poor customer support.
It's worth mentioning that many of the negative reviews and comments were regarding Liberty Mutual's other insurance products, like homeowners insurance. Additionally, online customer reviews should be taken with a grain of salt, as reviews are often left by people who have something to say, which is usually negative.
For a more holistic look at Liberty Mutual's customer satisfaction, we can look to third-party organizations.
The National Association of Insurance Commissioners' complaint index rates insurance companies based on how many complaints they receive against their share of the market. A 1.00 means that a company has an expected number of complaints based on its size. A lower score indicates fewer complaints than expected, and a higher number indicates more complaints than expected. Liberty Mutual scored 2.34, indicating that it has more than double the number of complaints than expected, given its size.
Liberty Mutual auto insurance placed 5th out of 21 car insurance companies surveyed in JD Power's claims satisfaction study of 2024 with a score of 717/1,000. For reference, the study average was 697/1,000, and NJM Insurance Co. earned the first spot at 782.
While Liberty Mutual's claims satisfaction is relatively high, its customer service struggles in regional surveys, placing below average in all markets. It placed last or second to last in Central, Florida, New York, Northwest, and Texas. That said, it placed third in usage-based insurance customer satisfaction. Here's a list of all of Liberty Mutual's customer satisfaction ratings compared against the regional average.
- Central: 613 vs. regional average of 647
- Florida: 580 vs. 625
- Mid-Atlantic: 634 vs. 654
- New England: 626 vs. 637
- New York: 613 vs. 647
- North Central: 616 vs. 652
- Northwest: 571 vs. 643
- Southeast: 637 vs. 663
- Southwest: 613 vs. 635
- Texas: 617 vs. 645
- Usage-based insurance: 830 vs. 821
Liberty Mutual received an A (Excellent) financial stability rating from AM Best, indicating that it is likely to uphold its financial obligations, like claims payouts.
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Liberty Mutual Auto Insurance Alternatives
See how Liberty Mutual Auto Insurance stacks up against popular auto insurance options.
Liberty Mutual vs. Nationwide Auto Insurance
Nationwide is another major auto insurance provider, available in 46 states and Washington, D.C., excluding Alaska, Louisiana, Hawaii, and Massachusetts. The company offers many of the same coverages that Liberty Mutual offers. In fact, Liberty Mutual has a handful of benefits that Nationwide doesn't offer like teacher auto insurance. Both companies have highly rated mobile apps used for filing claims, tracking driving habits, and managing policies.
When it comes to customer satisfaction, Liberty Mutual generally lags behind Nationwide in almost all the regions where both providers are listed, according to J.D. Power's customer satisfaction study of 2024. Notably, Nationwide places very well in the North Central region, earning second place. Nationwide is also first in usage-based insurance rankings, compared to Liberty Mutual's third-place ranking.
Nationwide also beats Liberty Mutual in claims satisfaction, receiving 4th place with a 728/1,000 compared to Liberty Mutual's 5th place finish with a score of 717/1,000.
Nationwide's NAIC complaint index score is slightly lower than Liberty Mutual's, with a 1.63 index score compared to Liberty Mutual's 2.34.
Ultimately, Liberty Mutual has some more coverage options than Nationwide, but falls in its customer service ratings. Unless you're looking for highly specific coverage, Nationwide will be a better option.
Read our Nationwide auto insurance review.
Liberty Mutual vs. GEICO Auto Insurance
GEICO Auto Insurance has fewer complaints, and it operates solely online with some phone and email-based customer support for quoting.
Between the low prices and easy management, GEICO has many positive reviews. Many of its adjusters also use common industry tricks to lower deductibles and otherwise save consumers money, even when they don't buy into a deductible fund or pay other fees.
However, GEICO may be slow to pay claims from other parties when its policyholders are at fault. In addition, GEICO doesn't have local insurance agents comparable to Liberty Mutual's.
So, less tech-savvy consumers or those who need more personal support may prefer Liberty Mutual. Again, teachers and military members may also choose this insurer for its career-specific discounts and promotions.
Read our GEICO auto insurance review.
Liberty Mutual Car Insurance FAQ
No, Liberty Mutual isn't a better auto insurance provider than GEICO. GEICO has fewer complaints, higher customer satisfaction, and lower premiums on average.
Liberty Mutual received 717 out of 1,000 points in the latest JD Power auto insurance study, which is the fifth highest in the survey out of 21 providers. Its score indicates a good record of paying claims.
Your Liberty Mutual rate is affected by factors like your age, sex, location, credit history, driving habits, and your car's make and model. It is also heavily influenced by any discounts you may qualify for, like safe driving discounts.
Why You Should Trust Us: How We Reviewed Liberty Mutual Auto Insurance
Business Insider strives to create accurate, unbiased, and helpful reviews. We use our tools to ensure we publish up-to-date, comprehensive reviews so you can make the most informed decision on where to spend your money. We write our product guides and reviews based on research from third-party rating agencies and online customer reviews.
The best insurance company offers quality coverage and customer service at a reasonable price. We then assess how an insurance company stacks up against the industry average and among competitors of similar caliber in several areas. To review Liberty Mutual's auto insurance, we considered the following:
- Breadth of coverage: The standard auto insurance company offers comprehensive, collision, and liability coverage. As an insurance customer, you want your insurance company to have various policy options to meet your driving needs. We look at what carriers offer outside the standard options, such as gap insurance, new car replacement, and rideshare insurance.
- Prices: Policy costs vary significantly with each applicant. As such, we look at average prices and compare them to the industry averages. We also look at the variety of discounts available for consumers such as bundling opportunities, discounts for safe driving, and loyalty discounts.
- Customer service: Having a reliable and smooth claims process is essential, which can be accomplished by quality agents delivering superior customer service. To evaluate a provider's quality of customer service, we look at JD Power's Auto Insurance Study to see how each provider ranks amongst its competitors.
- Financial stability: An insurance company's financial health indicates an insurer's longevity and ability to meet its financial obligation. While exceedingly rare, an insurance company's bankruptcy can jeopardize your policy. So, we use AM Best to determine a company's ability to withstand economic downturns and reliably pay claims.
- Additional features: We look at additional features that a company might offer that are unique or uncommon. For example, we considered Liberty Mutual's RightTrack program and discount as a unique feature.
Read more about how Business Insider reviews car insurance.
