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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 Insurance Review | How Much Is Liberty Mutual Car Insurance? | What Does Liberty Mutual Car Insurance Cover? | Liberty Mutual Customer Reviews | Liberty Mutual Right Track App | Liberty Mutual Car Insurance Reviews: Conclusion | Liberty Mutual Car Insurance Review: FAQ


Liberty Mutual Insurance Review

We rate Liberty Mutual insurance 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 And Cons

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 Insurance Rating

Liberty Mutual insurance has an A financial strength rating from AM Best, which indicates that it's financially stable and can reliably pay claims. It also has an A+ rating from the BBB with accreditation.

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
  • Additional living expense 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.


How Much Is Liberty Mutual Car Insurance?

How much Liberty Mutual auto insurance costs depend on a variety of factors. Below are how Liberty Mutual determines your rates:

  • 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: Where 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 that 41 percent of drivers have experienced a rate increase without an obvious cause across many companies. Only 38 percent of Liberty Mutual customers experienced this, which shows prices may be less likely to rise with this provider.

Liberty Mutual Auto Insurance Discounts

Liberty Mutual has a long list of policy discounts that can reduce what you pay for car insurance. Below is a breakdown of each discount they offer.

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.
Claim-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.
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 customer support team. When you get an online quote, you will also see a breakdown of what you are eligible for.

Liberty Mutual Right Track Discount

Customers get a car insurance discount just for signing up and can earn up to 30 percent off by driving safely. These savings will stay on your policy as long as you are a member.

 
 

Car Insurance Cost: Estimates By Age

Your age affects what you pay for car insurance. Young drivers are riskier to insure, so they pay more. After age 30, prices stay low until drivers age past 65 when the risk of an accident rises slightly. Below you can see industry car insurance estimates by age.

Age Annual Cost Estimate Monthly Cost Estimate
16 $6,912 $576
17 $5,612 $468
18 $4,958 $413
19 $3,708 $309
21 $2,786 $232
25 $2,019 $168
30 $1,831 $153
40 $1,755 $146
50 $1,658 $138
65 $1,648 $137
75 $1,912 $159
 

Car Insurance Cost: Estimates 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 $1,479
Alaska $1,400
Arizona $1,754
Arkansas $1,525
California $2,089
Colorado $1,860
Connecticut $2,999
Delaware $2,169
Washington, D.C. $1,903
Florida $2,947
Georgia $1,617
Hawaii $1,819
Idaho $1,069
Illinois $1,347
Indiana $1,332
Iowa $1,181
Kansas $1,471
Kentucky $1,779
Louisiana $2,783
Maine $964
Maryland $1,818
Massachusetts $2,647
Michigan $3,785
Minnesota $1,632
Mississippi $1,434
Missouri $1,734
Montana $1,938
Nebraska $1,622
Nevada $2,149
New Hampshire $1,349
New Jersey $2,037
New Mexico $1,449
New York $2,783
North Carolina $1,368
North Dakota $1,366
Ohio $1,027
Oklahoma $1,726
Oregon $1,334
Pennsylvania $1,647
Rhode Island $1,848
South Carolina $1,665
South Dakota $1,652
Tennessee $1,281
Texas $1,752
Utah $1,507
Vermont $1,056
Virginia $1,142
Washington $1,438
West Virginia $1,537
Wisconsin $1,219
Wyoming $1,767
 

What Does Liberty Mutual Car Insurance Cover?

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 and endorsements offered with Liberty Mutual auto insurance policies.

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.
 
 

What Does Liberty Mutual Full Coverage Cover?

Liberty Mutual's full coverage insurance includes bodily injury liability, property damage liability, collision, and comprehensive insurance. It also might include uninsured or underinsured motorist coverage depending on your state. Full coverage doesn’t typically include additional medical coverage, but you can add that.

Non-Owner Car Insurance Liberty Mutual

Liberty Mutual's non-owner car insurance is made for those that don't have access to a household car. This type of insurance is best for customers that rent or borrow cars often or people who need to show proof of insurance for their state. Non-owner policy coverage varies by state but can include liability-only insurance, personal injury protection, MedPay, and uninsured motorist coverage.

Liberty Mutual Rental Car Insurance

A Liberty Mutual auto insurance policy should cover rental cars, but they also have specific offerings for rental car insurance. A personal car insurance policy will typically cover rental cars, but if your coverage is spotty you may need to consider getting coverage. We recommend calling a Liberty Mutual agent to make sure rental car coverage is included in your policy.

Liberty Mutual Auto Insurance Claims

Customers can file a claim on the Liberty Mutual Website, app, or you can call a customer agent at 800-225-2467. The process is fast and you can track the claim on their website or through the Liberty Mutual app.

How To Cancel Liberty Mutual Car Insurance

Canceling your liberty mutual car insurance is simple. You just have to call a customer service agent at 800-658-9857 and they can walk you through the process. Before calling make sure you have your policy number on hand and ask whether you will be charged a cancellation fee.


Liberty Mutual Customer 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.

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

Liberty Mutual Insurance Complaints

Some negative Liberty Mutual insurance reviews mention high prices, while others talk about a 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 Insurance Ratings

J.D. Power collected Liberty Mutual insurance reviews through a few different studies. Liberty Mutual scored slightly below average on the 2022 U.S. Insurance Shopping StudySM. The company also 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.

Liberty Mutual Right Track Reviews

Liberty Mutual's safe driving app RightTrack has a 4.5-star rating from the App Store and 3.8 stars from Google Play. Overall, customers are satisfied with the app, although some report that the tracking for braking can be touchy.

Liberty Mutual Reviews BBB

Liberty Mutual 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.

Liberty Mutual Customer Service Reviews

In our car insurance survey, we found Liberty Mutual has 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.


Liberty Mutual Right Track App

Liberty Mutual RightTrack is a telematics program that can observe driving habits that include braking, acceleration, nighttime driving, and mileage. The RightTrack app can also generate significant premium discounts for policyholders.

How Does Liberty Mutual Right Track Work?

Using a plugin within your car Liberty Mutual RightTrack monitors your driving habits and calculates a score on the RightTrack app based on your driving. All Liberty Mutual customers are able to sign up and you can activate it by downloading the app, signing up, and putting the plugin sent through the mail in your car.

The RightTrack app monitors the following information:

  • Hard Breaking
  • Rapid Acceleration
  • Nighttime driving
  • Miles Driven

Liberty Mutual Car Insurance Reviews: Conclusion

We rated Liberty Mutual Auto Insurance 4.5 out of 5.0 stars and have named it "Best for Teens". Their nationwide availability, financial strength as a company, and comprehensive coverage options make it a great choice. Liberty Mutual customer reviews reinforce this with high ratings of their customer service and insurance processes. We recommend getting multiple insurance quotes to determine the best coverage for your needs.

 
 

Liberty Mutual Auto Insurance Competitors: Top Picks

Whenever you shop for car insurance, we recommend comparing multiple providers to find the best car insurance 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.

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.

USAA: Best For Military

Not only has USAA received top marks from AM Best for its financial strength, but the company scored above average for customer satisfaction in all regions in the J.D. Power 2022 U.S. Auto Insurance StudySM.

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're in a hurry, you might prefer this option over other insurance shopping. 

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


Liberty Mutual Insurance Review: FAQ

Is Liberty Mutual a good auto insurance company?

Yes, Liberty Mutual is a reliable car insurance company with strong industry ratings. Liberty Mutual customers give the company high marks for its shopping process but average ratings for its insurance claims experience.

What is Liberty Mutual's rating?

We rate Liberty Mutual 4.5 out of 5.0 overall and name it Best for Teens in 2022. Liberty Mutual also has an A+ rating from the BBB and an A rating from AM Best, which support its place among the top 10 car insurance companies overall.

Is Liberty Mutual an A-rated insurance company?

Liberty Mutual has an A rating from AM Best for its financial stability. This rating is the third-highest rating out of AM Best’s 16 scores. It means Liberty Mutual has an excellent ability to meet its claims obligations.

Is Liberty Mutual owned by Geico?

Liberty Mutual is not owned by Geico. However, Geico offers home insurance policies that are underwritten by other companies, including Liberty Mutual. You may notice Geico and Liberty Mutual offer the same home insurance coverage for this reason.

Why is Liberty Mutual so cheap?

Overall, Liberty Mutual tends to offer cheaper rates to good drivers than many of its competitors. Policyholders can take advantage of good discounts for safe driving, in particular. That said, Liberty Mutual may not be the cheapest option for everyone.

Is Liberty Mutual good at paying claims?

Liberty Mutual auto insurance reviews from customers report average claims experiences overall. According to the J.D. Power 2021 U.S. Auto Claims Satisfaction Study, Liberty Mutual scored 876 out of 1,000 points, which is slightly below average. Most customers don't have issues with getting Liberty Mutual to pay out claims.

Is Liberty Mutual cheaper than Geico?

On average, we find Liberty Mutual to be cheaper for teens than Geico. That said, we rate Geico as our top recommendation overall and as the best choice for the average driver. It also tends to be the more affordable option between the two.

How does Liberty Mutual customize your car insurance?

You can customize your car insurance with Liberty Mutual by choosing what type to get (liability, comprehensive, collision, etc.), the limits of those coverages, and add-ons like accident forgiveness.

Does Liberty Mutual car insurance cover rentals?

Full coverage insurance from Liberty Mutual can cover rental car costs while your car is in the shop after an accident. This requires the rental car reimbursement add-on. And if you rent a car while on vacation, your insurance will usually cover it with the same limits on your personal policy.

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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