Liberty Mutual Auto Insurance Review (2024)
According to our Liberty Mutual auto insurance review, Liberty Mutual auto insurance quotes average $174 per month for full coverage. Since Liberty Mutual insurance rates are higher than average, drivers can use auto insurance discounts or participate in Liberty Mutual RightTrack program to save.
Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
UPDATED: Sep 16, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 16, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Liberty Mutual
Average Monthly Rate For Good Drivers
$174A.M. Best Rating:
AComplaint Level:
LowPros
- As with any insurance company, Liberty Mutual has pros and cons. While the company offers reliable coverage, poor service may be an issue.
- Multiple types of insurance products and car insurance features
- Available in all 50 states and Washington, DC
- Many discounts and telematics programs
Cons
- High rates, especially for young drivers
- Average customer service ratings
- Low claims satisfaction ratings
Liberty Mutual Car Insurance Reviews: The Bottom Line
Liberty Mutual is one of the top car insurance companies in the country. While the company offers many different types of insurance, rates are typically much higher than expected, especially for young drivers.
Drivers with Liberty Mutual insurance can save money by taking advantage of discounts, bundling policies, and participating in RightTrack.
Liberty Mutual reviews are generally favorable, but Liberty Mutual insurance complaints revolve around high rates and customer service problems.
Liberty Mutual is a good fit for drivers who aren’t high-risk and want to insure more than just their vehicle. However, young drivers, drivers with a bad driving record, and drivers with poor credit scores see extremely high rates.
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What You Should Know About Liberty Mutual Insurance
Liberty Mutual is a recognized name in insurance and has been around for over 100 years. But unfortunately, while Liberty Mutual is one of the best auto insurance companies in the country, it also has some of the highest car insurance rates.
Although rates tend to be above average, so are the various products and services offered by Liberty Mutual. For example, drivers can bundle their auto insurance with home, renters, boat, RV, small business, or pet insurance.
Drivers with Liberty Mutual insurance have multiple ways to save, such as adding car insurance discounts and participating in RightTrack. While auto insurance rates start high, remember to consider all ways to save when comparing a Liberty Mutual insurance quote.
Keep reading our Liberty Mutual auto insurance review to see if the company is right for you and how to find Liberty Mutual insurance near you.
Is Liberty Mutual a reliable car insurance company?
Liberty Mutual is a top player in the insurance industry with a wide range of products. In addition, the company has been in business for more than 100 years and has a reliable reputation.
Although Liberty Mutual automobile insurance does receive some bad reviews regarding its customer service and claims satisfaction, the company scores highly on financial stability and customer interaction.
In addition, Liberty Mutual offers a variety of policies, such as auto, home, renters, and boat coverage. Drivers can bundle policies and take advantage of discounts to lower rates substantially.
Liberty Mutual Insurance Coverage Options
Liberty Mutual’s auto insurance offerings include coverages required by most states and coverages that offer you the most protection.
Typical auto insurance coverages from Liberty Mutual include the following:
- Liability. Liability auto insurance coverage pays for property damage and bodily injury to others if you cause an accident.
- Collision. Collision insurance covers damages to your vehicle from an accident.
- Comprehensive. Comprehensive coverage pays for non-collision damages to your vehicle, such as fire, theft, vandalism, floods, and falling debris.
- Uninsured/underinsured motorist. UM/UIM coverage pays for damages to your vehicle if a driver hits you with little or no insurance.
- Medical payments. Medical payments coverage helps pay for medical bills following an accident.
- Personal injury protection. Personal injury protection (PIP) insurance helps cover expenses after an accident, including child care, lost wages, and medical bills.
Most states require at least liability coverage, but you and your vehicle aren’t protected. Therefore, most experts recommend full coverage, including liability, collision, comprehensive, and other mandatory coverages.
Does Liberty Mutual offer extra car insurance coverages?
Many drivers also look for other coverages and features that offer more protection than just the typical auto insurance. Liberty Mutual provides drivers with many different options to be totally covered.
Extra Liberty Mutual auto coverages and features include the following:
- Accident forgiveness. You can buy Liberty Mutual accident forgiveness coverage if you haven’t had an accident in five years, and your rates won’t go up for your first accident in the future.
- New car replacement. This coverage pays for a new car if your car is less than one year old and totaled in an accident.
- Better car replacement. Liberty Mutual better car replacement replaces your car with a new car, one model year newer if your vehicle is totaled.
- Roadside assistance. Roadside assistance is available if you need help with towing, a jump start, fuel delivery, or locksmith service. Just call the Liberty Mutual roadside assistance phone number.
- GAP coverage. GAP pays the difference between what you owe on your vehicle and its worth if it’s totaled in an accident.
- Rental car reimbursement. If your vehicle is damaged in a covered accident, this coverage pays for a rental until repairs are complete.
- Original parts replacement. This feature replaces any parts on your vehicle with original parts, not aftermarket parts.
- Lifetime replacement guarantee. Liberty Mutual guarantees any repairs done at approved network locations for life.
In addition, drivers can add benefits like Mexico car insurance and teacher’s car insurance for those traveling to Mexico or driving for official school business.
What other products does the Liberty Mutual insurance company offer?
Many drivers look for more than just car insurance. Fortunately, Liberty Mutual offers a variety of insurance products and coverages that drivers can bundle.
Here are additional Liberty Mutual insurance products:
- Homeowners
- Renters
- Condo
- Boat
- RV
- ATV
- Motorcycle
- Small Business
- Pet
- Life
Liberty Mutual offers drivers a multi-policy discount for choosing more than one type of insurance. For example, drivers can bundle auto, home, and pet insurance to take advantage of discounts.
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Liberty Mutual Insurance Rates Breakdown
There are many factors that affect car insurance rates, such as your age, driving record, and credit score. In addition, each car insurance company weighs these factors differently, so every driver receives different rates.
While Liberty Mutual offers various car insurance coverages, rates are higher than average. In fact, out of the top insurance companies in the country, Liberty Mutual has the highest rates.
One factor that affects your rates is how much coverage you choose. Low or liability-only coverage is the cheapest but offers the least protection. On the other hand, high or full coverage is the most expensive and provides the most protection.
This table shows average Liberty Mutual rates based on liability coverage compared to other top companies.
Liability Auto Insurance Rates by Provider
Insurance Company | Monthly Rates |
---|---|
$61 | |
$44 | |
$37 | |
$53 | |
$30 | |
$67 | |
$44 | |
$39 | |
$33 | |
$38 | |
$22 | |
U.S. Average | $45 |
Liability-only coverage from Liberty Mutual averages $483 a month. Liberty Mutual full coverage auto insurance is around $530 a month. Let’s now take a look at Liberty Mutual full coverage rates.
Full vs. Minimum Coverage Monthly Insurance Rates by Provider
Insurance Company | Rates |
---|---|
$160 | |
$117 | |
$87 | |
$97 | |
$87 | |
$80 | |
$174 | |
$115 | |
$105 | |
$86 | |
$99 | |
$59 | |
U.S. Average | $119 |
So although it’s tempting to buy the less expensive coverage, you’ll have higher out-of-pocket costs in an accident.
How do age, gender and marital status affect car insurance rates with Liberty Mutual?
It’s no surprise that younger drivers see much higher insurance rates than older, more experienced drivers.
However, you might not know that married drivers see lower rates since they are more stable and less likely to take risks. Additionally, male drivers are statistically more likely to take risks and be in more accidents.
The tables below show how age and gender affect Liberty Mutual car insurance rates. Let’s first take a look at rates for brand new drivers — teenagers.
Teen Full Coverage Auto Insurance Monthly Rates by Provider, Age, & Gender
Insurance Company | Age: 16 Female | Age: 16 Male | Age: 18 Female | Age: 18 Male |
---|---|---|---|---|
$608 | $638 | $448 | $519 | |
$452 | $456 | $333 | $371 | |
$778 | $742 | $573 | $603 | |
$298 | $312 | $220 | $254 | |
$716 | $778 | $528 | $633 | |
$411 | $476 | $303 | $387 | |
$801 | $814 | $591 | $662 | |
$311 | $349 | $229 | $284 | |
$709 | $897 | $523 | $729 |
As you can see, teen drivers pay extremely high rates with Liberty Mutual. In addition, teen males spend almost one-third more than their female counterparts. However, rates drop dramatically at age 25. Check out the table below on rates for the average adult.
Average Annual Full Coverage Auto Insurance Rates for Adults
Age and Gender | Allstate | Farmers | Geico | Nationwide | Progressive | State Farm | National Average |
---|---|---|---|---|---|---|---|
30 Y/O Male w/a Clean Record | $2,118 | $1,925 | $1,041 | $1,667 | $1,633 | $1,234 | $1,646 |
30 Y/O Female w/a Clean Record | $2,021 | $1,843 | $1,078 | $1,519 | $1,569 | $1,122 | $1,523 |
45 Y/O Male w/a Clean Record | $1,919 | $1,595 | $962 | $1,376 | $1,261 | $1,032 | $1,411 |
45 Y/O Female w/a Clean Record | $1,941 | $1,602 | $958 | $1,355 | $1,340 | $1,032 | $1,413 |
Rates for senior drivers will also be higher than the national average with Liberty Mutual. Take a look at this table to compare senior rates with the top insurance companies.
Senior Drivers: Full Coverage Auto Insurance Rates
Insurance Company | Monthly Rates for Seniors |
---|---|
Geico | $78 |
State Farm | $82 |
Travelers | $101 |
Progressive | $101 |
American Family | $108 |
Liberty Mutual | $112 |
Nationwide | $112 |
Farmers | $139 |
Allstate | $164 |
Average | $116 |
Make sure to always compare rates with multiple insurance companies to get the best deal possible for your unique needs, because there are numerous factors that will affect your final cost.
Does your driving record affect Liberty Mutual car insurance rates?
Most drivers know that your driving record significantly affects your car insurance rates. Auto insurance companies understand that drivers with accidents, tickets, and DUIs are likely to have repeat infractions that cost them money.
This table shows how much a single accident on your record affects Liberty Mutual auto insurance rates.
Full Coverage Auto Insurance Monthly Rates: One Accident vs. Clean Record
Insurance Company | Clean Record | One Accident |
---|---|---|
$180 | $220 | |
$166 | $225 | |
$116 | $176 | |
$119 | $97 | |
$140 | $198 | |
$95 | $132 | |
$177 | $234 | |
$140 | $161 | |
$120 | $186 | |
$105 | $150 | |
$175 | $230 | |
$160 | $200 | |
U.S. Average | $123 | $172 |
As you can see, Liberty Mutual rates will increase after a ticket. Now let’s see how a single traffic ticket will raise your rates.
Full Coverage Auto Insurance Monthly Rates by Provider: One Ticket vs. Clean Record
Insurance Company | One Ticket | Clean Record |
---|---|---|
$108 | $86 | |
$188 | $160 | |
$136 | $117 | |
$105 | $87 | |
$119 | $97 | |
$58 | $70 | |
$173 | $139 | |
$106 | $80 | |
$212 | $174 | |
$137 | $115 | |
$140 | $105 | |
$96 | $86 | |
$277 | $232 | |
$136 | $112 | |
$134 | $99 | |
U.S. Average | $147 | $119 |
While drivers with a speeding ticket pay about $77 a month more for Liberty Mutual insurance, drivers with a DUI pay almost $240 a month more than drivers with a clean record.
DUI Full Coverage Auto Insurance Monthly Rates vs. Clean Record by Provider
Insurance Company | Clean Record | One DUI |
---|---|---|
$86 | $240 | |
$160 | $225 | |
$117 | $176 | |
$97 | $166 | |
$139 | $198 | |
$80 | $132 | |
$174 | $234 | |
$115 | $161 | |
$105 | $186 | |
$86 | $202 | |
$112 | $250 | |
$99 | $239 | |
U.S. Average | $119 | $173 |
Multiple accidents, tickets, and DUIs cause rates to skyrocket. In addition, drivers with numerous infractions can be seen as high-risk and be required to pay for more expensive SR-22 coverage.
How does your credit score affect Liberty Mutual auto insurance rates?
You may not know that your credit score affects your car insurance rates. Insurance companies believe that drivers with a high credit score are less likely to file a claim and are more likely to pay for damages themselves.
This table shows how your credit score affects Liberty Mutual rates.
Full Coverage Auto Insurance Monthly Rates by Provider & Credit Score
Insurance Company | Good Credit | Fair Credit | Bad Credit |
---|---|---|---|
$135 | $165 | $245 | |
$166 | $197 | $296 | |
$116 | $136 | $203 | |
$95 | $115 | $175 | |
$140 | $161 | $269 | |
$82 | $100 | $148 | |
$177 | $226 | $355 | |
$120 | $133 | $166 | |
$109 | $138 | $206 | |
$91 | $118 | $200 | |
$120 | $155 | $230 | |
$107 | $128 | $194 | |
U.S. Average | $123 | $148 | $226 |
Although drivers with good credit scores pay about $365 a month for auto insurance from Liberty Mutual, drivers with bad credit scores pay $733 a month.
Drivers can raise their credit score by paying bills on time and being cautious about how they use their credit.
How Liberty Mutual Compares Against Other Auto Insurance Providers
Explore our comprehensive table below to see how Liberty Mutual stands out in comparison to other auto insurance providers.
How Liberty Mutual Compares Against Other Auto Insurance Providers | |
---|---|
Allstate vs. Liberty Mutual | Liberty Mutual vs. Progressive |
Liberty Mutual vs. Geico | Liberty Mutual vs. State Farm |
Liberty Mutual vs. Nationwide | Liberty Mutual vs. Travelers |
Liberty Mutual Insurance Discounts Available
Car insurance discounts provide significant savings on your Liberty Mutual coverage. And, since rates start very high, taking advantage of discounts helps reduce costs.
Liberty Mutual bases discounts on the driver, policy, and vehicle. For example, you may be eligible for safe driver, paid in full, and safety feature discounts. In addition, since Liberty Mutual offers so many different types of insurance, drivers may also qualify for a multi-policy discount.
Since Liberty Mutual offers many discounts, most drivers can bundle several for the most significant savings. Remember, Liberty Mutual doesn’t apply all discounts automatically to your policy, so be sure to ask what discounts are available to you.
What is Liberty Mutual RightTrack?
Liberty Mutual RightTrack is a telematics program that monitors driving behaviors and offers a discount of up to 30% for the life of your policy. Liberty Mutual’s pay-per-mile program uses either an app or a plug-in device to track when you drive, hard braking and acceleration, and mileage.
Low-mileage drivers who don’t drive at night and don’t hit the brakes or gas hard save the most money. However, RightTrack is also a good option for drivers who want to improve their safe driving skills since the program offers immediate feedback.
Your car insurance rates won’t increase if you score poorly with RightTrack, so Liberty Mutual drivers can try it risk-free. Learn more in our Liberty Mutual RightTrack review.
Does Liberty Mutual offer usage-based car insurance?
Low-mileage drivers who want to keep their Liberty Mutual car insurance may be interested in ByMile, a usage-based insurance program.
ByMile uses a telematics device that plugs into your vehicle to monitor mileage. Then, drivers pay a daily base rate plus a small fee for each mile driven. While the auto insurance coverage available is the same as traditional coverage, rates are typically much lower.
Frequently Asked Questions
Where is Liberty Mutual car insurance available?
Drivers can get Liberty Mutual car insurance quotes in all 50 states and Washington, D.C. However, every state creates its own requirements for car insurance and discounts.
How can you get a Liberty Mutual auto quote?
The easiest way to get quotes for a Liberty Mutual policy is to do so online. You’ll need your personal and vehicle information, including VIN and mileage.
You can also get a quote from a Liberty Mutual agent near you or by calling the Liberty Mutual customer service phone number at 1-800-290-8711.
Can you file a Liberty Mutual claim online?
You can file a claim online or through the Liberty Mutual app. If you’d like to speak with a representative, call the Liberty Mutual claims phone number at 1-800-225-2467.
How do you cancel auto insurance with Liberty Mutual?
Although it’s easy to cancel your coverage, you’ll need to speak with Liberty Mutual car insurance customer service. You can cancel anytime for any reason, but you may have to pay a cancellation fee. However, you should receive a refund for any unused portion of your policy if you paid in advance.
Does Liberty Mutual cover rental cars?
If you opt for the extra coverage, Liberty Mutual rental car reimbursement pays you back for a rental if your vehicle is damaged in a covered accident. However, your insurance won’t cover a rental car for a vacation.
Can you get gap insurance with Liberty Mutual?
Yes, Liberty Mutual offers GAP coverage, which pays for the difference between what you owe on your vehicle and what it’s worth if your car is totaled in an accident.
Can you get SR-22 car insurance with Liberty Mutual?
So, does Liberty Mutual offer SR-22 insurance? Yes, Liberty Mutual offers SR-22 insurance. SR-22 is a form filed with your state that affirms you have at least the minimum amount of required car insurance. Typically, only high-risk drivers need SR-22 insurance, and rates are significantly higher.
What is Liberty Mutual vehicle insurance?
Liberty Mutual Auto Insurance is a type of car insurance policy provided by Liberty Mutual, one of the leading insurance companies in the United States. It offers coverage for vehicles, protecting owners from financial losses resulting from accidents, theft, or other unforeseen events.
Can I manage my Liberty Mutual insurance policy online?
Yes, Liberty Mutual provides an online portal and mobile app that allows policyholders to manage their auto insurance policies. Through the online platform, you can make payments, view policy documents, update personal information, and file and track claims.
Does Liberty Mutual offer roadside assistance?
Yes, roadside assistance from Liberty Mutual is an optional add-on. This service provides assistance if your vehicle breaks down, runs out of fuel, gets a flat tire, or requires towing. It is available 24/7 and can be added to your auto insurance policy for an additional fee.
Is Liberty Mutual a good insurance company?
According to Liberty Mutual insurance reviews, Liberty Mutual insurance is a good and legitimate company. However, as with any other insurer, Liberty Mutual customer reviews are mixed. Liberty Mutual insurance ratings from AM Best and Moody’s are moderate.
Liberty Mutual also has slightly more complaints from customers than average.
How much is Liberty Mutual car insurance a month?
So, how much does Liberty Mutual car insurance cost The average cost of Liberty Mutual car insurance varies depending on several factors. Generally, car insurance from Liberty Mutual costs around $160 per month for a full coverage policy.
Does Liberty Mutual have accident forgiveness?
Yes, Liberty Mutual offers accident forgiveness coverage that prevents your rates from increasing after your first at-fault accident if you’ve been accident-free for five years.
How can I contact Liberty Mutual insurance customer service?
So, how can you contact Liberty Mutual insurance Liberty Mutual auto insurance phone number is: 1-800-290-8711. Additionally, you can manage your policy and file claims through their website or the Liberty Mutual mobile app.
How is Liberty Mutual insurance rated?
Liberty Mutual ratings are average in the industry. Liberty Mutual ratings and reviews suggest that the company has been given a financial strength rating of ‘A’ from A.M. Best, indicating a stable financial outlook and the ability to pay out claims.
What does Liberty Mutual sell?
Liberty Mutual offers a range of insurance products including auto, home, renters, and life insurance. They also offer specific coverages like accident forgiveness, new car replacement, rental car reimbursement, and roadside assistance.
Why is Liberty Mutual so expensive?
Liberty Mutual insurance rates may be more expensive compared to competitors due to its comprehensive coverage options and benefits like accident forgiveness, which can increase premiums.
What does Liberty Mutual car insurance cover?
Liberty Mutual offers standard car insurance coverages such as liability, comprehensive, and collision. They also provide optional add-ons such as new car replacement, better car replacement, original parts replacement, and teacher’s auto insurance.
Why won’t Liberty Mutual insure me?
Liberty Mutual may be hesitant to insure you due to factors like a high-risk driving history, poor credit, living in a high-risk area, or owning a vehicle that doesn’t meet their insurability criteria.
Did Liberty Mutual buy Auto-Owners?
Liberty Mutual has not purchased Auto-Owners Insurance.
Where does Liberty Mutual rank for auto insurance?
Liberty Mutual ranked 11th in the J.D. Power 2022 U.S. Auto Insurance Claims Satisfaction Study.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Doug Bauman
Liberty Mutual Insurance review
Ca_Issacs
Trash company
Mikem72262
Liberty is an over charging company
Brian_B
Don't ever expect help if you need it.
Jayden09_
NO SECOND CHANCES FOR LOYAL CUSTOMERS!!!
Tucky
Paying my Auto Insurance in the rears?
Zzzzzzz6969
Run away become they will cancel you
NG1989
Appraisers short change customers
M__Atif
Terrible Company when it comes to honor their liability
pstringer818_gmail_com
WARNING!