We dive deep into Liberty Mutual reviews to see if the coverage will fit your lifestyle.


As part of our research into the best car insurance, we did our homework on Liberty Mutual, including taking a closer look at Liberty Mutual auto insurance reviews from customers. The well-known provider wrote nearly $12 billion in premiums in 2019 with 4.6 percent of the market share, according to the National Association of Insurance Commissioners. But does this mean that Liberty Mutual car insurance has what you need?

Below, we take a look at Liberty Mutual insurance reviews, coverage options, and discount opportunities to answer that question.

To start, we recommend that you get matched with the best car insurance rates in your area by calling (844) 246-8209 or filling out the form above.


In this article:



Liberty Mutual Overview

Our research into insurance companies shows that 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 Better Business Bureau (BBB). On the other hand, Liberty Mutual has low J.D. Power scores and high premiums in some states.

What Is Liberty Mutual?

Based in Boston, Massachusetts, Liberty Mutual ranks 77th on the Fortune 500 list. The company employs more than 50,000 people throughout 900 locations. It was founded in 1912 and currently 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
  • Umbrella policies
  • Flood insurance
  • Life insurance
  • Accident insurance
  • Pet insurance
  • Identity theft protection

You will also find some options for commercial accounts.



Liberty Mutual Auto Insurance Coverage

Liberty Mutual offers the standard types of car insurance that you can find with most insurers, including: 

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/Better Car Replacement

This coverage 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 Auto Insurance Cost And Discounts

Getting car insurance quotes with Liberty Mutual is simple and only takes a few minutes. Insurance rates are based on several criteria:

  • Your 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 in 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 policy premiums in general, including:

  • Spike in distracted driving incidents
  • More drivers on the roads
  • Higher auto repair costs
  • Higher medical costs

Liberty Mutual has a long list of discounts that can reduce what you pay for car insurance.

Liberty Mutual Discount Details

If you are a homeowner, you receive additional savings.


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.


Liberty Mutual thanks those who haven’t been in an accident with lower premiums.


If you haven’t received any violations, you can expect further discounts.


If you enroll in the RightTrack safe driving program, you get a discount for participation and a final break up to 30 percent.


If you have more than one policy with Liberty Mutual, you can expect to save more money.


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 what 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.

See how Liberty Mutual compares to other top insurance companies by calling (844) 246-8209 or using this free tool:




Liberty Mutual Auto Insurance Reviews

Compared to competitors, Liberty Mutual ranks about average for customer service. Positive Liberty Mutual auto insurance reviews praise supportive representatives and quick claims, while negative ratings are given for poor communication and high prices.

In the J.D. Power 2020 U.S. Auto Insurance Satisfaction StudySM, Liberty Mutual ranked average or below average in every region of the country except Florida. This research indicates drivers looking for exceptional service may not have the best experience with the auto insurer.

Positive Liberty Mutual Reviews

“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 Reviews

“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 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 4.3-star rating from the App Store and 4.1 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 miles driven. Overall, customers are satisfied with the app, although some report that the tracking for braking can be touchy.



Our Take On Liberty Mutual: 4.0 Stars

We rated Liberty Mutual 4.0 out of 5.0 stars and named it the Best for Teens in 2021. Its comprehensive car insurance coverage, nationwide availability, Liberty Mutual insurance reviews, and its financial strength make it a smart choice for drivers.

While Liberty Mutual car insurance has only achieved average customer satisfaction, it’s hard to deny that it is a leader in the industry for a reason. For customers that 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, in one place 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


If you’ve been mesmerized by the 1970 yellow Plymouth Duster, the LiMu Emu, and Doug on the latest Liberty Mutual commercials, then you might be ready to consider switching your existing car insurance policy. Thankfully, the process is simple and fast.



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 getting quotes from multiple providers so you can compare coverage and rates. In addition to the insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.

Use our tool below or call (844) 246-8209 to start comparing personalized car insurance quotes.


USAA Insurance logo

USAA: Best For Military

Not only has USAA received top marks from A.M. Best Rating Services for its financial strength, but the 2019 U.S. Auto Insurance Study from J.D. Power also lists USAA as the best insurance option. Of course, the plans offered by the USAA are 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 Insurance logo

Geico: Best Overall

You can expect superior coverage from Geico that has nothing to do with the provider’s popular gecko mascot. We found Geico’s plans to be ideal for students and military personnel, as well. 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 Insurance logo

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 Auto Insurance Study by J.D. Power ranked this company highly in many regions, so you know you can depend on it.

For more information, check out our Progressive auto insurance review.

State Farm Insurance logo

State Farm: Best For Students

State Farm is another provider that ranked highly in J.D. Power’s Auto Insurance Study and also maintains an A+ BBB rating. It appears that State Farm has some lower rates, especially for teen drivers, so it’s worth checking out.

For more information, check out our State Farm auto insurance review.

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