Liberty Mutual Auto Insurance Review for 2025 (See Ratings & Cost Here!)

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Liberty Mutual Auto Insurance Business & Reviews

Liberty Mutual boasts decades of experience in automobile insurance backed by superior financial strength. A rating of A by A.M. Best and A- from the BBB underscores the dependability and conduct of Liberty Mutual insurance reviews.

Liberty Mutual Auto Insurance Ratings & Consumer Reviews

Customer satisfaction is fair, with J.D. Power awarding Liberty Mutual 717 out of 1,000 for claims satisfaction. Yet, NAIC’s complaint index indicates that there is room for improvement since some Liberty Mutual auto insurance reviews cite issues with billing.

Liberty Mutual is notable for its RightTrack program, which provides up to 30% discounts for safe drivers. The company’s mobile app facilitates easy policy management and claims filing, making it a convenient option for most Liberty Mutual insurance reviews.

Liberty Mutual Car Insurance Review: What to Know Before You Buy

Liberty Mutual has flexible coverage, deep discounts, and convenient online tools—so it’s an excellent choice for value-minded drivers on a budget.

In this guide, we’ll walk through the key highlights, from pricing to customer feedback, to help you decide if Liberty Mutual is the right insurer for you

• Learn About the Price: Liberty Mutual provides quotes as low as $95/month. Your price depends on your profile, and you can review customized plans with liberty mutual quotes.
• Avail of the Discounts: Save with discounts such as 22% for good student and 23% for safe driving. Bundling and multi-car also reduce your premium.
• Select Proper Coverage: Liberty Mutual offers adjustable policies, such as liability, comprehensive, and collision auto insurance, depending on your coverage requirements.
• Check Customer Experience: Policy management is easy with digital tools, but billing and claims reviews differ. Think about what features are most important before deciding.
• Utilize Digital Tools for Simple Management: The mobile app makes claims and tracking simple. Good drivers can save up to 30% with RightTrack and control everything from their phone.

Liberty Mutual’s combination of low price, discounts, and tech functionality makes it excellent for most drivers. Start with Liberty Mutual quotes today.

Liberty Mutual Auto Insurance Pros and Cons

Pros

• Low Prices for Safe Drivers: Liberty Mutual provides low prices at $95 for safe drivers, a cost-effective option for drivers with good records.
• High Discounts: Get up to 30% discount through the RightTrack program and other discounts for good students, bundling policies, and multi-vehicle coverage, a cost-effective option.
• Powerful Digital Tools: Liberty Mutual’s app offers simple policy management, claims submission, and discount access, creating a smooth digital experience for customers.

Cons

• Mixed Customer Satisfaction: Customer satisfaction is mixed, and there are issues with claims handling and billing, affecting its reputation as a service provider.
• Increased Premiums for Younger Drivers: Young adults and teenage drivers pay more, particularly young men, making Liberty Mutual unaffordable for those below the age of 25.

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Liberty Mutual Key Benefits Review

Personal Insurance Lines: Liberty Mutual provides auto, homeowners, renters, and life insurance. Auto policies include accident forgiveness and disappearing deductibles. Life insurance includes term and whole life with limited options. There are discounts for multi-policy and safe drivers.

Commercial Insurance Lines: Liberty Mutual offers general liability, workers’ compensation, commercial auto, and property insurance. It also provides specialty coverages such as equipment breakdown and professional liability, as well as risk control services.

Liberty Mutual Investments (LMI): Liberty Mutual Investments has responsibility for over $100 billion of assets under a fixed income and total return mandate. LMI, a stand-alone company, finances CME and EUREX futures traders with solid backing and educational assistance.

Commitment to Safety

Liberty Mutual demonstrates its commitment to auto insurance by promoting safety research and education. It established the Liberty Mutual Research Institute, which developed driving courses such as the Skid Control School to improve road safety.

The Institute also came up with “survival cars” with headrests and pioneering seatbelt designs, illustrating Liberty Mutual’s contribution to auto safety technology. All these are aimed at fulfilling its mission to safeguard drivers aside from providing insurance protection.

Outreach

Liberty Mutual Insurance has produced materials for public safety, including the “Where’s The Fire?” display at Epcot® in Florida and curriculum materials for high school driver’s education courses to inform and inspire safety.

The company also worked with SADD to eliminate drunk driving, produced safety videos for manufacturing plants, and coordinated activities to protect clean-up workers in the World Trade Center debris.

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Getting in Touch

“Liberty Stands With You”

Liberty Mutual Insurance offers a range of personal insurance products for car, home and life.

State Differences in Products & Services

Liberty Mutual’s automobile insurance is state-specific because of varying laws and minimums. Features such as new car replacement and better car replacement™ are not available everywhere. For cheap auto insurance for multiple vehicles, discounts can vary by location.

There are some features that are state-dependent as well, such as Liberty Mutual auto insurance discounts. In Texas, instead, Liberty Mutual Advantage is provided. For Liberty Mutual quote auto insurance, consider that accident forgiveness is not available in California.

Homeowners’ Insurance

Home Insurance guards against loss or damage to your home and property from occurrences such as storms, fire, or burglary. Liberty Mutual homeowners insurance provides extra coverage such as Home Protector Plus™ and protection for valuables.

Rates depend on such things as the age, location, and security features of the house. Your history of claims, risk factors, and deductible all determine the cost and coverage of your Home Insurance, such as choices like Liberty Mutual homeowners insurance.

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Renters Insurance

Renters insurance will pay for your personal property if it is stolen, damaged by a fire, or harmed by some water problems. It also protects your property in the car or on the road, as well as for accident liability in your rental.

Liberty Mutual renters insurance also allows you to add coverage for electronics with a $50 deductible, and blanket jewelry coverage with a combined limit. These additions can provide peace of mind without costing an arm and a leg.

Condo Insurance

Condo insurance covers upgrades, appliances, and property that you are liable for. It covers fire, storms, theft, and liabilities. Rates vary according to your current insurance, condo age, unit count, and safety features.

Property value and building materials have an impact on cost. Reading Liberty Mutual condo insurance reviews will help you measure real consumer experiences.

Landlord Insurance

Liberty Mutual landlord insurance insures single-family homes, duplexes, triplexes, and other buildings such as garages and sheds. It also insures appliances and repair equipment, with liability, fair rental value, and inflation protection.

Landlord insurance provides you with additional advantages such as emergency repair services, 24-hour claims service, contractor referrals, and online policy management. Benefit from flexible payments and paperless billing for convenience.

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Flood Insurance

Liberty Mutual Insurance provides individual coverage for homeowners who live in areas covered under the National Flood Insurance Program (NFIP). It insures floodwater damage, erosion, mudslide, and losses to basement structures.

Flood insurance Liberty Mutual does not, however, insure personal belongings or furniture in basements. While it insures basement structures, homeowners will require additional insurance for their personal items during floods

Umbrella Insurance

The Liberty Mutual umbrella policy is a voluntary addition that offers additional liability coverage when damages surpass your basic policy’s limit. It pays for family members, accidents worldwide, and properties you rent out, along with attorney fees for defense.

Malpractice lawsuits, workers’ compensation, damages resulting from business operations, and deliberate damage are all excluded by the Liberty Mutual umbrella policy. Take a close look at these exclusions to see if the policy is appropriate for your coverage needs.

 

I have bought all car and home insurance from liberty mutual many years. We never claim any accidents until recently electrical fire happened at my home on May, 2015. Liberty mutual insurance helped us a lot to repair my home. Especially their adjuster team comes to my home to estimate the lost for fire home and provide the immediately support for paying monthly loss to cover mortgage cost until my home repaired. Liberty Mutual adjuster team also help to provide support to negotiate the repair cost with my contractor to and provide me many good advise to select to contractor. I very appreciate adjuster team big helps to expedite the estimation of repair cost. – Better Business Bureau

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Unfortunately our neighbor’s garage caught on fire which affected our home. Our Liberty Mutual representative has been very responsive to all our questions. Not only was he very patience with us but he was always friendly and went out of his way to help us. Even after he closed our case, he still answered questions I had months after regarding processes, insurance, etc. – Better Business Bureau

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My experience with Liberty Mutual Insurance make me feel they have poor business practices and I would not recommend them for their services to anyone. Over the course of four years, they increased my homeowners insurance from initially around $1850.00 to $3663.00 with the final increase before I changed was $663.00 a year … outrageous.  – Better Business Bureau

Auto Insurance

Liberty Mutual Auto Insurance policy covers a number of standard and extra coverage and features.

Standard Features: Liberty auto insurance insures bodily injury liability for other people’s injuries, property damage liability for repairs, and medical payments for hurt passengers in your vehicle.

Additional Auto Insurance Coverage

• Comprehensive Coverage: Covers car repairs if your car is damaged or stolen because of something other than a collision, i.e. theft or fire.
• Collision Coverage: Covers the repairs of your car if it gets hit by another vehicle or object.
• Accident Forgiveness: Prevents insurance costs from increasing following your initial accident (provided that you have remained accident- and violation-free for five years).
• New Car Replacement: Pays for a new car if your car is a total loss while it’s under one year old and has less than 15,000 miles.
• Better Car Replacement™: Pays for a car one model year newer with 15,000 fewer miles if your new vehicle is a total loss.
• Rental Car Reimbursement: Covers rental car expenses until your vehicle is repaired if you have an accident.

Additional Features

• Deductible Fund: Reduces the collision deductible and out-of-pocket expense when a claim is filed. The company automatically deposits $100 into the fund when this feature is purchased.
• Lifetime Repair Guarantee: Repair cost for as long as you own the vehicle (must be repaired at a Guaranteed Repair Network dealership).
• Teacher’s Insurance: Teacher’s special features and discounts.

NOTE: Auto Insurance Requirements vary state-to-state, so make sure you know the coverage required in the state where you live.

Factors Affecting Car Insurance Rates

• Age
• Gender
• Marital status
• Car make, model and year
• Driving record
• Credit-based insurance scores
• State of residence
• Annual mileage
• Regional costs for repairing/replacing vehicles and parts
• Regional medical costs

Classic Car Insurance

Liberty Mutual insures specialty cars such as antique cars, classic cars, vintage cars, modified collector cars, reproductions, replicas, restorations and contemporary classic cars. Based on how the classic cars is being used, rates may cost between $100 and $850 per month.

Factors Affecting Classic Car Insurance Rates

• Location: Most states require basic insurance even if the car is rarely driven, but some offer short-term provisional insurance for special occasions.
• Age of car
• How the car is stored
• “Agreed-upon” value of car

Teen Driver Programs

Liberty Mutual has specially designed programs for teens to get them driving in a safe way.

• Teen Driving Contract: A contract specifically formed to educate teenagers about safety and responsibility behind the wheel. This is to be signed by both the parents and the teenager and can be downloaded from Liberty Mutual’s website.
• Online Driving Course: Liberty Mutual collaborated with Adept Driver in order to sell their teenSMART Online Driving Course at a discount.

Overall I’m satisfied with them. Have renters and car insurance through them. Like everyone else I obviously would like my monthly bill to be lower but it’s current state is bearable. – Credio Survey

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Had damage on the day of the storm before thanksgiving. Was basically told the surcharges and points would cost more than the repairs. Or appeal it (weather). I did not look into appealing due to weather. Paid it all myself and NOT happy about it. – Credio Survey

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Poor representation by the agent has left a sour taste for this insurance! – Credio Survey

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I hit a deer last year and they promptly got me a rental and let me extend it out until the car was finished and the repair was excellent. No hassles or questions and no rate change. – Consumer Affairs

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Liberty Mutual, they have been extremely helpful in keeping our premiums low. When I provide lower quotes they match it. They give us suggestions on how to keep our premium cost down such as defensive driving courses and umbrella policies. They have great customer service. Always willing to answer a question. Easy to sign up, make changes. Easy to use website and portal to make changes and check information when I am able especially as I work and am not available during business hours. – Consumer Affairs

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Life Insurance

In setting up life insurance premiums, characteristics such as coverage type, term length, and death benefit influence cost. Lower premiums result from lower terms and lower benefits, which have lower premiums. The Liberty Mutual life insurance policy also provides cash value that accumulates over time.

Age, health, occupation, and lifestyle also affect premiums. Older people or those who have health problems pay more, whereas smokers or those in hazardous occupations pay extra. The Liberty Mutual life insurance policy has numerous options to suit various requirements.

Identity Theft Insurance

Liberty Mutual offers an Identity Theft Counselor if someone has stolen your identity. The counselor assists you in informing the creditors and repairing your credit. The counselor notifies the national credit bureaus about the theft and obtains a 3-in-1 credit report so you are able to review where your credit has been impacted. The counselor also keeps watch on your credit for a year to avoid losses.

Identity Fraud Expense Coverage Covers up to $15,000 per incident and $30,000 per policy term for the following expenses:

• Approved attorney fees.
• Loan application fees when reapplying for a loan that was denied due to credit fraud.
• Fees for notarizing the official documents.
• Fees for certified mail to law enforcement agencies, financial institutions, etc.
• Long-distance phone calls to merchants, law enforcement agencies, creditors, etc.

Rate Identity Theft coverage is an additional $35 or less per year when added to your Homeowners policy.

Pet Insurance

Liberty Mutual Pet Insurance, which is underwritten by Hartville Pet Insurance, insures accidents, injuries, and sicknesses. It also provides preventive coverage for procedures such as vaccinations, which ensures your pet stays healthy.

Pet Insurance usually ranges from $300–$500 per year. Pricing varies by pet age, breed, and location, with older pets and some breeds usually paying more.

Our family has been insured by Liberty Mutual for years. We have both Auto and Life insurance policies. The representatives are always very helpful and the rates are great. When I had an auto accident a few years back they were very efficient making sure that everything was okay and let me know that if I needed anything to just give them a call. That was a great relief to know that they were genuinely concerned about me and my family, and the process went without a hitch. Thanks Liberty for being there for me and my family. – Consumer Affairs

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They are very caring and they understand that sometimes you have an emergency and can’t pay your premium and they will work with you to make sure your insurance doesn’t lapse. They are also excellent with handling insurance claims. – Consumer Affairs

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I have term life. YOU are buying just protection so there is nothing complicated. I have a fixed price for 20 years — approximately $85 monthly for $200,000 in life insurance. The policy still has about 7 years left. After that I have an automatic renewal option but of course I will be a lot older so the price will be out of my range. At that point I will no longer need that much coverage as the mortgage will be paid. If I don’t make it, my wife will at least have enough to live comfortable as her social security is not very much monthly. – Consumer Affairs

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Claims

Whether you are reporting a home damage or an auto accident, Liberty Mutual has several options you can use to file your claim.

• Online: Liberty Mutual’s website has an eService that you can log in to and file a claim
• Liberty Mutual App: This app lets you map where you are and attach photos of damage. Available at Google Play or Apple AppStore.
• Phone: Claims representatives are on call 24/7 at 1-800-2CLAIMS (1-800-225-2467).

Tracking Your Claim If you’ve submitted a claim, you can track progress on the eService page of the Liberty Mutual website to:

• Send photos and documents electronically
• View appraisal information
• View payment details
• Change contact information

Text Alerts Following submitting a claim, you have the option of subscribing to text messages sent directly to your cellphone which will apprise you of your estimate fluctuations, payments and additional information.

Property Insurance Claims

Once safety is ensured, Liberty Mutual recommends taking pictures of the damage to your residence.

Information Needed to File a Claim

• Your name
• Address
• Policy Number
• The claim type: wind, water, fire, theft, etc.
• Description of home or personal property damage

Emergency Services If there is an emergency situation such as flooding or boarding up windows, Liberty Mutual will have services to your home right away. If your home is hazardous or uninhabitable, they will arrange temporary housing until it is fixed.

NOTE: Save all receipts of any expense related to loss or damage to your home for potential reimbursement.

• Field Inspection: If a field inspector is needed for your claim, Liberty Mutual will send one within 1-7 days to take the information required for an estimate.
• RealTime Review: Liberty Mutual provides scheduled video conferencing with a representative through FaceTime or Skype on your home computer. This enables the representative to see the damage and fill out an estimate on repairs.
• Inventory Tool: The company website has an online inventory tool available via eService that enables customers to locate lost or damaged items which may then be replaced using Liberty Mutual’s personal property replacement service. The tool also has a function to upload pictures and documents your representative will need.
• Claim Approval: Once your claim has been approved, payment will be made through USPS.

Auto Insurance Claims

Following accidents involving another motorist, you must exchange the following details:

• Name of driver
• Address, phone, email
• License number
• Insurance company, policy number
• Witness names & contact

Information Required to Report a Claim

• Your Name
• Your address, phone, email
• Make, model and license plate number of vehicle you were driving
• If you were a passenger, you require the name and address of driver
• Brief description of the accident
• Time of accident
• Location of accident
• Extent of damage
• Details of anyone else who was involved (other motorists, witnesses, etc) are also useful.

Medical Payment Claims

If you incurred physical injuries in the car accident, Liberty Mutual will pay your medical bills directly, if you have Personal Injury Protection under your insurance policy.

Fault

When the Other Driver is at Fault Liberty Mutual will ensure the other driver takes responsibility for the accident, and you can then have them pursue your claim or you can deal directly with the other driver’s insurance company.

When You are at Fault When a claim is filed against you, Liberty Mutual sends a team of specialists to conduct an accident investigation and determine responsibility. In case the case makes it to the courts, defense up to policy limits will be offered by the team.

NOTE: Non-customer users are also able to use the site’s eService page to report an accident in which a Liberty Mutual policyholder is involved and submit/monitor a claim.

Appraisals and Repairs

There are four options for having your vehicle damage appraised and fixed following a crash.

• Liberty Mutual’s Express Estimate App: For small damage, it is recommended that you download and utilize Liberty Mutual’s Express Estimate app to photograph the damage, upload the photos to the app and Liberty Mutual will get back to you with an estimate within a business day. You can then bring your car and estimate to a shop to have it repaired. The app can be downloaded from Google Play and Apple AppStore.
• Your Mechanic: You can also call your mechanic and arrange an appointment, call Liberty Mutual and they will call the shop for you to negotiate the repair estimate and payment.
• Liberty Mutual Drive In: Visit the Liberty Mutual website to see if there is a location near you where you can drive your impaired vehicle directly to a Liberty Mutual agent for an estimate.
• Guaranteed Repair Network: Liberty Mutual maintains a list of reputable mechanics and repair shops on its Guaranteed Repair Network that you can select from on its website.

Choose and call one of them to have your vehicle’s damage inspected and repaired. You can also monitor your repairs online using the eService page on the site. With this service, rental car reimbursement is included if it is on your policy.

Claim Payment

In all but a few situations, Liberty Mutual will compensate the shop directly for repairs minus your deductible. Liberty Mutual has a reputation for being pricier than many other insurers, but they also have very good discounts that you can take advantage of in order to decrease the cost.

• Multi-Policy Discount: Discount when you own more than one Liberty Mutual policy.
• Group Savings: Savings of members or workers of specific employers, groups, credit unions and associations.
• Preferred Payment Options Discount: Saving when you pay your bill in full or make chosen automatic payments.

Home Insurance Discounts

• Claims Free Discount: Savings on a new home policy if you have not made any claims in the last five years.
• Safe Homeowner Program: Savings if you have not made any claims to Liberty Mutual in the last three years.
• Early Shopper Discount: Savings if you ask for a quote from another insurance company prior to your policy expiring.
• Protective Devices Discoun: Discount when your home is protected with smoke alarms, security alarms, deadbolts, fire extinguishers and sprinklers.
• Insured to Value Discount: Savings if your home is covered for up to 100% of replacement cost.
• Newly Purchased Home Discount: Discount on new homes.
• New/Renovated Home Discount: Discount on your newly constructed or renovated your home.

Auto Insurance Discounts

• Multi-Car Discount: Savings with several cars covered in the one policy.
• Vehicle Safety Features Discount: Savings for items such as anti-theft systems, anti-lock brakes, adaptive cruise control, lane departure warning and collision preparation systems.
• Hybrid Vehicle Discount: Savings for eco-friendly vehicles.
• New to Liberty Mutual Vehicle Discount: Savings when you add or replace a vehicle on your policy.

Auto Insurance for Teens Discounts

• Teens Away At School Discount: Savings if your teenager is over 100 miles away at school and only drives
• Driver Training Discount: Savings for teenagers under the age of 21 who take a qualified Driver Training Program.
• Good Grades Discount: Students under the age of 25 who maintain a minimum B (3.0) average.

Auto Insurance Stages of Life Discounts

• New Graduate Discount
• Newly Married Discount
• New Move Discount – Savings when you update your policy to a new address.
• Newly Retired Discount

Liberty Mutual RightTrack®

This rewards safe driving with discounts. Buyers of auto insurance can sign up for this program when they buy their car insurance and Liberty Mutual provides a device that you hook up to your car for 90 days. This tracking device connects your driving habits to your representative, and if you demonstrate safe driving, you may save up to 30% on your auto insurance.

Accident Forgiveness

This advantage is also given to drivers who have been accident/violation-free for five years. The company “forgives” your first accident, i.e., they will not increase your car insurance rate.

Coverage Calculator

This is a facility on the Liberty Mutual website that enables you to obtain a ball-park estimate of the rates of your insurance before you buy it.

Teen Insurance Discounts & Programs

Liberty Mutual has teen driver safety programs available that include a computer-based driving course and free downloadable safe driver contract along with discounts for distant students and those with good grades.

New Car Replacement

This standard coverage will pay you for the purchase of a brand new vehicle if your new vehicle is totaled if your vehicle was younger than one year and had fewer than 15,000 miles.

Better Car Replacement

If your vehicle is more than one year old, Liberty Mutual also offers an added coverage option that will give you the price to buy a car one year newer and with 15,000 fewer miles than your vehicle that was wrecked in an accident.

Liberty Mutual Strengths & Weaknesses

Liberty Mutual is a large, established company with a lot of good reasons to choose them as your insurer, but it does have some product and service areas that need to be improved upon. The biggest complaint against Liberty Mutual is its high premiums, but most customers have good things to say about filing claims and customer service.

Strengths

• Provides a complete line of insurance products that can be combined for discounts
• Claims Filing possible 24/7
• Emergency Service 24/7
• Online applications & forms to simplify claims
• Text updates regarding claims & repairs

Weaknesses

• Rates higher than average, but can be reduced by using discounts
• Customer support is not 24/7

Liberty Mutual Auto Insurance Review Summary

This Liberty Mutual auto insurance review emphasizes low rates from $95/month, flexible coverage, and discounts such as RightTrack. It’s best for young or high-risk drivers, with savings for good driving and bundling. Liberty Mutual raises premiums based on driving record and age.

For those comparing providers, take a look at a Liberty Mutual car insurance quote. If you’d like to look at other possibilities, everything you need to know about Esurance can provide some useful information for comparison. Get fast and cheap auto insurance coverage today with our quote comparison tool.

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