After a thorough Liberty Mutual insurance review, we rank the provider among our top 10 picks for 2022 and rate it 4.5 out of 5.0 for its wide variety of discounts and incentives for young drivers.
Our team takes a look at Liberty Mutual insurance reviews from customers as well as the company's industry reputation to see how it compares to the best car insurance providers. We rank Liberty Mutual as one of our top ten picks for coverage. In this article, we'll cover everything you need to know about the company so you can decide if it's right for you.
In this article: | Liberty Mutual Review: 4.5 Stars | Liberty Mutual Cost | Liberty Mutual Auto Insurance Coverage | Liberty Mutual Insurance Reviews | Liberty Mutual Apps And Technology | Other Top Choices For Car Insurance | Frequently Asked Questions
Liberty Mutual Insurance Review: 4.5 Stars
What's the bottom line? We rate Liberty Mutual 4.5 out of 5.0 stars and name it the Best for Teens in 2022. Its comprehensive car insurance coverage, nationwide availability, Liberty Mutual insurance reviews, and financial strength make it a smart choice for drivers.
For customers who want a proven brand with great coverage options and benefits, it makes sense to go with Liberty Mutual car insurance. Plus, it’s simple to bundle policies, like auto and home insurance, to make life even easier.
| Liberty Mutual Pros | Liberty Mutual Cons |
|---|---|
| Many choices for coverage | High premiums in some states |
| Numerous discounts, especially for young drivers | Average customer satisfaction |
| Excellent financial strength rating and A+ rating from the BBB | |
| Nationwide availability |
Liberty Mutual Overview
Liberty Mutual car insurance has a lot to offer. The insurer has an A financial strength rating from AM Best, which indicates that it is financially stable and can pay claims. It also has an A+ rating from the BBB with accreditation.
J.D. Power collects Liberty Mutual insurance reviews through a few different studies. Liberty Mutual has high satisfaction ratings on the 2021 U.S. Insurance Shopping StudySM, which means it has one of the best shopping experiences on the market.
However, the company ranked below average on the 2021 U.S. Auto Claims Satisfaction StudySM, showing it has room to grow in claims servicing. It scored 876 out of 1,000 points.
According to the National Association of Insurance Commissioners (NAIC), Liberty Mutual wrote over $12.7 billion in insurance premiums in 2021. That puts it in sixth place overall in terms of auto insurance company size.
About Liberty Mutual
Based in Boston, Massachusetts, Liberty Mutual ranks 71st on the Fortune 500 list. The company employs more than 50,000 people in 900 locations. It was founded in 1912 and offers a vast array of insurance products and services.
In addition to car insurance, you can find:
- Homeowners insurance
- Renters insurance
- Motorcycle insurance
- RV insurance
- Boat insurance
- Classic car insurance
- Umbrella policies
- Flood insurance
- Life insurance
- Accident insurance
- Pet insurance
- Identity theft protection
Liberty Mutual home insurance offers standard coverage for your personal property against damage from different hazards. It can cover living expenses if your home becomes unlivable for a time. You will also find some options for commercial accounts.
Liberty Mutual Cost
Getting car insurance quotes with Liberty Mutual is simple and only takes a few minutes. Auto insurance rates are based on several criteria:
- Age: As you get older, you are generally less likely to be involved in a car accident, according to the Centers for Disease Control and Prevention. Liberty Mutual uses your age to determine an appropriate premium.
- Location: The area you live has a lot to do with your risk. From how many cars are on the road to the elements you might encounter, Liberty Mutual takes all of this into account.
- Type of car you drive: Some cars are more expensive to insure. The company looks at the cost of replacement parts, age, and safety features on your vehicle.
- Driving history: If you have a good driving record and no tickets, you can expect a lower premium.
On top of these personal criteria, some other factors increase auto policy premiums in general, including:
- Spike in distracted driving incidents
- More drivers on the roads
- Higher auto repair costs
- Higher medical costs
Of course, the coverage dictates the cost, too. Minimum liability coverage will be cheaper than having additional coverage like comprehensive and collision.
We surveyed 1,000 customers on their experiences with a variety of car insurance companies. About 28 percent of respondents said cost was the most important factor in choosing a company, and this was the most popular answer.
We also found 41 percent of drivers have experienced a rate increase without an obvious cause across many companies. But 38 percent of Liberty Mutual customers had experienced this, which shows prices may be less likely to rise with this provider.
Liberty Mutual Discounts
Liberty Mutual has a long list of policy discounts that can reduce what you pay for car insurance.
| Liberty Mutual Discount | Details |
|---|---|
| Homeowner | If you are a homeowner, you receive additional savings. |
| Military | Active, retired, or reserved personnel with the United States military receive a discount. |
| Early Shopper | If you get a quote before your current policy expires, you can earn up to 45 percent off. |
| Good Student | Any full-time student with a B average or better gets rewarded. |
| Student Away at School | If a child is away at school and only occasionally drives the vehicle, premiums are lower. |
| Advanced Safety Features | If your vehicle has advanced safety features, you can receive a discount. Some of the main components include anti-lock brakes, adaptive headlights, and electronic stability control. |
| Alternative Energy | If you drive a hybrid or electric car, Liberty Mutual rewards you. |
| Anti-Theft Device | Any anti-theft technology qualifies you for additional savings. |
| Accident-Free | Liberty Mutual thanks those who haven’t been in an accident with lower premiums. |
| Violation-Free | If you haven’t received any violations, you can expect further discounts. |
| RightTrack | If you enroll in the RightTrack safe driving program, you get a discount for participation and a final break of up to 30 percent. |
| Multi-Policy | If you have more than one policy with Liberty Mutual, you can expect to save more money. |
| Multi-Car | Families with multiple vehicles earn a lower premium. |
| Preferred Payment | Enroll in automatic payments to get a discount. |
| Pay in Full | Pay for your premium in one or two payments instead of monthly, and you will spend less overall. |
| Online Purchase | When you get your free quote online and begin the policy, you get an additional discount. |
| Paperless Policy | Save the environment and get a discount when you receive your statements through email. |
To determine which discounts apply to you, you will need to reach out to the Liberty Mutual auto customer support team. When you get an online quote, you will also see a breakdown of what you are eligible for.
Average Car Insurance Cost By State
The state where you live can affect what you pay for car insurance dramatically. Below, you can see how full coverage car insurance prices vary by state. These cost estimates apply to 35-year-old drivers with good credit scores and driving records.
| State | State Average Cost Estimate |
|---|---|
| Alabama | $1,448 |
| Alaska | $1,287 |
| Arizona | $1,625 |
| Arkansas | $1,449 |
| California | $2,339 |
| Colorado | $1,672 |
| Connecticut | $1,885 |
| Delaware | $1,921 |
| Washington, D.C. | $1,787 |
| Florida | $2,894 |
| Georgia | $1,548 |
| Hawaii | $1,238 |
| Idaho | $1,089 |
| Illinois | $1,474 |
| Indiana | $1,087 |
| Iowa | $1,095 |
| Kansas | $1,364 |
| Kentucky | $1,817 |
| Louisiana | $3,828 |
| Maine | $995 |
| Maryland | $1,941 |
| Massachusetts | $2,568 |
| Michigan | $4,390 |
| Minnesota | $1,487 |
| Mississippi | $1,357 |
| Missouri | $1,741 |
| Montana | $2,214 |
| Nebraska | $1,372 |
| Nevada | $2,332 |
| New Hampshire | $1,181 |
| New Jersey | $2,108 |
| New Mexico | $1,356 |
| New York | $3,964 |
| North Carolina | $1,277 |
| North Dakota | $1,310 |
| Ohio | $923 |
| Oklahoma | $1,630 |
| Oregon | $1,284 |
| Pennsylvania | $1,405 |
| Rhode Island | $1,923 |
| South Carolina | $1,592 |
| South Dakota | $1,331 |
| Tennessee | $1,217 |
| Texas | $2,067 |
| Utah | $1,446 |
| Vermont | $1,013 |
| Virginia | $1,079 |
| Washington | $1,271 |
| West Virginia | $1,390 |
| Wisconsin | $946 |
| Wyoming | $1,499 |
Liberty Mutual Auto Insurance Coverage
Liberty Mutual offers the standard types of car insurance that you can find with most insurers, including:
- Liability auto insurance (bodily injury/property damage): Covers vehicle damage and medical bills for other people in accidents you cause
- Collision insurance: Covers damage to your car in accidents you cause
- Comprehensive car insurance: Covers theft and damage from fire, vandalism, and hitting stationary objects
- Uninsured/underinsured motorist coverage (UM/UIM): Covers damage to your car and medical bills if someone without enough insurance causes an accident
- Medical payments (MedPay): Covers medical bills after an accident
- Personal injury protection (PIP): Covers medical bills, lost wages, and funeral costs
Let’s look at a few of the unique options offered with Liberty Mutual car insurance.
| Add-On Coverage | Details |
|---|---|
| Liberty Mutual Deductible Fund | This optional add-on works as a savings plan toward the deductible. Liberty Mutual also contributes to the deductible with this plan. |
| Lifetime Repair Guarantee | When your vehicle requires repairs, this coverage takes care of making the arrangements. The company works with over 2,000 Guaranteed Repair Network facilities nationwide. |
| Accident Forgiveness | Accident forgiveness insurance optional coverage keeps your premiums from rising after an accident. To qualify, you must be accident-free for five years before signing up. |
| New Car Replacement | The new or better car replacement add-on ensures that your totaled vehicle will be replaced with a model one year newer. The plan works on all vehicles that are a year old or newer with 15,000 miles or less on the odometer. |
| Roadside Assistance | With this optional coverage, you have protection for towing, flat tires, dead batteries, lockouts, and fuel delivery. |
| Rental Car Reimbursement | If your vehicle is in the repair shop because of an accident, Liberty Mutual reimburses you for your rental car. |
| Original Parts Replacement | This coverage ensures that your vehicle receives original parts during replacement following an accident. |
| Auto Loan/Lease Gap | If you owe more than your vehicle is worth, this plan ensures that the difference is covered in the event of a total loss. |
Liberty Mutual Insurance Reviews
Compared to competitors, Liberty Mutual ranks about average for customer service.
Positive Liberty Mutual insurance reviews praise supportive representatives and a quick claims process, while negative ratings are given for poor communication and high prices.
Liberty Mutual auto insurance reviews on the BBB rate the company with 1.1 out of 5.0 stars overall. That sounds like a low rating, but there are only a few hundred Liberty Mutual reviews in total. The vast majority of customers haven't left a negative review or complaint.
In our car insurance survey, we found Liberty Mutual had good levels of customer satisfaction in general, but not the best overall. For example, 43 percent of Liberty Mutual customers said they were very satisfied with the company, while the average was 40 percent across companies.
Below are a few examples of both positive and negative Liberty Mutual insurance reviews.
Positive Liberty Mutual Insurance Reviews
Positive Liberty Mutual insurance reviews focus on good claims experiences and pleasant agents.
“My [agent] is the most friendly, resourceful insurance agent I have ever had the pleasure [of] working with. She's always available to answer questions at mostly any time of the day (reasonable hours). She is also very informative on the policies and most other topics concerning insurance.”
-Derrick J. via Google
"My son had a serious accident and Liberty Mutual handled our insurance issues quickly and the representatives we dealt with were supportive and helpful. I recommend this company highly."
- Jo T. via Yelp
Negative Liberty Mutual Insurance Reviews
Some negative Liberty Mutual insurance reviews mention high prices, while others talk about lack of communication with some agents or adjusters.
“I have had a very negative experience with this company. Simply put, they refuse to return your calls, texts, and emails. ... I had several questions that were never answered, which made for a difficult, time-consuming, and frustrating case.”
-Uta B. via BBB
"I had this insurance and my experience was horrible, and for car insurance and home insurance - would never recommend them - unless you want to pay too much for the company to not pay your claims and charge you a lot!"
- Kathy G. via BBB
Liberty Mutual Apps And Technology
Liberty Mutual Mobile has a 4.8-star rating from the App Store and a 4.7-star rating from Google Play based on thousands of positive Liberty Mutual insurance reviews.
With the app, you can check claims, contact customer service representatives, upload documents and photos, and view your payments.
If you are in an accident and your vehicle is still drivable, you can send photos and receive a fast estimate through the Liberty Mutual mobile app.
RightTrack® Safe Driving App
Liberty Mutual's safe driving app RightTrack has a 4.5-star rating from the App Store and 3.9 stars from Google Play. Customers get a car insurance discount just for signing up and can earn up to 30 percent off by driving safely.
Behaviors observed by the app include braking, acceleration, nighttime driving, and mileage. Overall, customers are satisfied with the app, although some report that the tracking for braking can be touchy.
Other Top Choices For Car Insurance
We always recommend receiving multiple insurance quotes to determine the best coverage for your needs.
Whether you decide to go with Liberty Mutual auto insurance or not, investing a short amount of time whenever your policy is up for renewal can put more money back into your pocket and make you rest easy knowing you have the coverage you need.
Whenever you shop for car insurance, we recommend comparing multiple providers to find the best rates and coverage. In addition to the insurance company you choose, factors such as your age, credit score, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.
USAA: Best For Military
Not only has USAA received top marks from AM Best for its financial strength, but the company received the highest score in all regions in the J.D. Power 2021 U.S. Auto Insurance StudySM from J.D. Power.
Of course, USAA is only available to military personnel, retired vets, and their families, so not everyone will qualify.
For more information, check out our USAA auto insurance review.
Geico: Best Overall
You can expect superior coverage from one of the largest insurance companies in the U.S. We find Geico’s plans to be ideal for students and military personnel in particular. The company has an A+ rating from the BBB and is one of the leaders in the industry.
For more information, check out our Geico auto insurance review.
Progressive: Best For High-Risk Drivers
Progressive is known for its price comparison tool that allows you to get multiple quotes, even from competitors. If you are in a hurry, you might prefer this option over other insurance shopping. In addition, the J.D. Power Auto Insurance Study ranked this company highly in many regions, meaning it's likely a dependable option.
For more information, check out our Progressive auto insurance review.
Methodology
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.
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