Liberty Mutual Car Insurance Review 2022

Liberty Mutual offers many types of insurance and discounts, but rates are higher than average. Read on to learn more.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Sep 1, 2022

Advertiser Disclosure

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 1, 2022

Advertiser Disclosure

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.

Written By: Rachel BodineReviewed By: Daniel WalkerUPDATED: Sep 1, 2022Fact Checked
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4.0
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Liberty Mutual

Average annual rate for good drivers:

$2,072

A.M. Best rating:

A

Complaint level:

Low

Pros

  • 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

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 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.

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 to learn more about the Liberty Mutual insurance company and see if it’s right for you.

Is Liberty Mutual Insurance a Good Choice?

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 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 Rates

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-only coverage from Liberty Mutual averages $483 a month, and full coverage is around $530 a month. Let’s now take a look at Liberty Mutual full coverage rates.

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.

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.

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.

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.

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.

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.

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.

Average Annual Auto Insurance Rates by Credit Rating
Insurance CompanyRates with Poor CreditRates with Fair CreditRates with Good Credit
American Family$2,432$1,635$1,386
Farmers$3,233$1,926$1,674
GEICO$1,781$1,197$984
Liberty Mutual$4,256$2,712$2,120
Nationwide$1,988$1,595$1,445
Progressive$2,471$1,655$1,310
State Farm$2,398$1,411$1,091
Travelers$2,323$1,534$1,287
USAA$1,545$910$753
Allstate$3,551$2,362$1,993
Average$2,715$1,781$1,477
Get Your Rates Quote Now

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.

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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 RightTack is a telematics program that monitors driving behaviors and offers a discount of up to 30% for the life of your policy. The 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.

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.

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 covers damages to your vehicle from an accident.
  • Comprehensive. This coverage pays for non-collision damages to your vehicle, such as from fire, theft, vandalism, floods, and falling debris.
  • Uninsured/underinsured motorist. This coverage pays for damages to your vehicle if a driver hits you with little or no insurance.
  • Medical payments. This 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 this 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. This 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.
  • 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.

Frequently Asked Questions

Where is Liberty Mutual car insurance available?

Drivers can get Liberty Mutual 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 car insurance quote?

The easiest way to get a Liberty Mutual auto insurance quote 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 local agent or by calling the Liberty Mutual customer service 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 car insurance with Liberty Mutual?

Although it’s easy to cancel your coverage, you’ll need to speak with Liberty Mutual 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, 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 coverage 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?

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.

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.

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

Reviews
for Liberty Mutual Insurance

3.96 (3,585 reviews)
5
November 9, 2021

LaLaDoom

Helpful and Awesome

Liberty Mutual has been amazing to work with. I got into an accident earlier this year and they were quick and honest with their help.
5
May 24, 2021

Ahendricks1018_

[NAME REDACTED] is awesome!

[NAME REDACTED] is amazing, I was previously with progressive and he found a way to get me more coverage and have it be less than my single policy! Marvelous customer service, you can tell he genuinely cares about his clients. Very knowledgeable about coverages. All around a great work. Definitely beyond satisfied with my experience!
5
April 16, 2021

Jon_Wentworth

Best Choice for a carrier

Wonderful experience. They make insurance simple and understandable. It is a plus that I can carry all my policies under one roof, even my Life Insurance.
1
April 16, 2021

SahiLuke

Highway Robbery!

Very sneaky company policy. My policy was approximately 90 dollars and then they charged 285 Plus. When I called to cancel, they wanted an additional 90 dollars! Who are the robbers? They go into your bank account and take money without even as much as a phone call! Totally disappointed with them. Would give it zero stars if I could!
5
January 29, 2021

Safety

Top notch service

[REDACTED NAME] was very helpful. He was able to assist me in further discounts on my insurance. With the program he get me into, I'll be able to save an additional 10%.
5
January 17, 2021

Bb84636185_

Liberty Mutual

At Liberty Mutual, the health and well-being of our employees, customers, partners and the communities where we live and work are our primary concern during the global coronavirus (COVID-19) pandemic.
2
January 13, 2021

Davey_B

OVERpay for what you need

Liberty Mutual tried to charge me $2,300+ to insure my two autos. Last year they charged me around $1,500. The autos are both a year older now. The Hartford insured both autos for $900 for a year, the same term as Liberty Biberty. They should change the commercials to, "OVERpay for what you need."
5
January 13, 2021

SwagBucksBrit

I would highly recommend Liberty Mutual

Liberty Mutual is a transparent, flexible, and innovative insurance company. I have had an auto policy with them for well over 10 years. During that time, I can not think of any negative experiences. They have always treated me with professional courtesy and respect as a customer. Liberty Mutual has also been flexible with payments in times of need (pandemic). I plan on continuing my service with them for years to come. I love the fact that they ...
Liberty Mutual is a transparent, flexible, and innovative insurance company. I have had an auto policy with them for well over 10 years. During that time, I can not think of any negative experiences. They have always treated me with professional courtesy and respect as a customer. Liberty Mutual has also been flexible with payments in times of need (pandemic). I plan on continuing my service with them for years to come. I love the fact that they are affordable, competent, and they care about their customers.
2
January 12, 2021

RA2224

Better choices out there

I have been with Liberty Mutual for my home and auto insurance for many years and have had no issues with them as an insurance provider. That being said I recently just switched to another company out of necessity as the new company was much cheaper for my new car. I then learned that Liberty Mutual charges you a penalty for leaving a policy “early” and on top of that they leave you know way to pay that penalty online once the account is clos...
I have been with Liberty Mutual for my home and auto insurance for many years and have had no issues with them as an insurance provider. That being said I recently just switched to another company out of necessity as the new company was much cheaper for my new car. I then learned that Liberty Mutual charges you a penalty for leaving a policy “early” and on top of that they leave you know way to pay that penalty online once the account is closed. I was paid ahead and they claim I owe them money due to the penalty. With so many insurance companies out there is no need to deal with this. Please be aware of this upfront when researching companies.
5
January 10, 2021

Daniel_T__Adam

INCREDIBLE insurance

Liberty Mutual was great and still is great. They had great affordable policies and great customer service.
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