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Liberty Mutual Auto Insurance Review

Rating: 9.4 / 10 (Excellent)
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Founded in 1912 and headquartered in Boston, Massachusetts, Liberty Mutual Insurance is the fourth largest property and casualty insurer in the nation. The company has since expanded their operations worldwide, with branches throughout Europe, Asia, and South America. Their line of products in U.S. markets includes passenger auto, life, annuity, and homeowners insurance, among others.

Liberty Mutual has been a leading provider of auto insurance policies for more than a century. The company offers coverage for collisions, damage due to nature, personal injury liability and rental reimbursement to name a few. Liberty Mutual auto insurance also has a strong list of discounts aimed at awarding good driver behavior or for those with existing policies with its parent company.



Comprehensive coverage

Personal Injury Protection/ Medical Insurance Coverage

Bodily Injury Liability

Personal Property Damage Liability

Collision Coverage

New Car Replacement

(Get the money for a brand new car if your car is totaled within 15,000 miles or a year upon its release)

Better Car Replacement

(Replace your car with a new vehicle that is one model year newer or 15,000 miles fewer miles)

Specialty vehicles

Teacher coverage


Plans and Pricing

Male Single (insured/ no infractions)

$130 to $260


Male Married (insured/ no infractions)

$280 to $370


Female Single (insured/ no infractions)

$130 to $200


Female Married (insured/ no infractions)

$270 to $370



Multi-policy discounts

Group discounts

Preferred payment discounts

New customer

Vehicle safety discounts

Multi-vehicle discounts

Hybrid vehicle discounts


Special discounts

  • Teen driver discount
  • Good student discount
  • New graduate discount
  • Newly married discount
  • New move discount
  • Newly retired discount


Financial Ratings

A.M Best Financial Rating A

A.M. Best Issuer Rating a

S&P Financial Strength A

S&P Issuer Strength A

J.D. Power & Associates 3/5 customer satisfaction


Support Services

Roadside assistance

24/7 claims reporting

Online reporting


The Bottom Line – Liberty Mutual Auto Insurance

One of the major concerns with any new car owner is when their vehicle gets totaled. Liberty Mutual auto insurance is one of the companies that offer new car and better car replacement, which is great for new car owners. It offers a list of discount options but is missing some premium options compared to the other companies. Overall, Liberty Mutual auto insurance is a solid choice.


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Top Rated
Our Partner
9.4 / 10
  • 12 month rate guarantee
  • New/ better car replacement coverage
  • Specialty vehicles (motorcycle, classic car, off-road, recreational vehicle)
  • Good financial ratings
  • Good list of available discounts
  • 24/7 reporting