Many or all of the companies featured compensate us. Compensation and research may determine where and how companies appear. Learn more
10 Best
Car Insurance
of 2024

EDITOR'S PICK

VIEW RATES
View 10 Best
Car Insurance 
  1. Home
  2. Car Insurance
  3. Liberty Mutual Review

Liberty Mutual Auto Insurance Review

35 Customer Comments & Reviews - see all comments
Our content is free because we may earn a commission when you click or make a purchase using our site. Learn more.
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.
 
View Top 10 List

How is Liberty Mutual rated?

Breakdown

4.0/5
Coverage
4.0/5
Financial Strength
0.0/5
Supplemental Coverage
4.8/5
Pricing & Discounts
3.0/5
Claims Satisfaction & Customer Experience
4.5/5
Automation

Overall Rating: 3.9 / 5 (Very good)

With outstanding financial stability and over 100 years of experience in the industry, Liberty Mutual has secured its position as a global force in the auto insurance market.

The company provides policyholders with an unrivaled selection of discounts and excellent benefits, making up for their higher-end premiums.

Although their coverages are not as inclusive as those offered by other leading insurers, their quickly expedited claims processing gives them a leg up on the competition.

Liberty Mutual Coverage

Basic Coverage

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Medical Payments

Additional Coverage

  • Rental Reimbursement

Coverage - 4 / 5

Liberty Mutual has some of the most thorough plans in the auto insurance market, offering standard and comprehensive coverages, along with additional benefits such as new and better car replacement options, accident forgiveness, guaranteed repair, and even teacher's insurance.

They do, however, fail to provide certain basic protections like uninsured and underinsured motorist coverages, or towing and labor costs.

Coverage Fine Print

New Car Replacement - Provides customers with funds to purchase a new car if theirs is totaled. Accident Forgiveness - Premiums won't go up due to a policyholder's first accident as long as they have been accident and violation free for five years. Better Car Replacement - If their car is totaled, policyholders can receive money for the purchase of a vehicle that is one year newer and has 15,000 fewer miles than their own. Deductible fund - Lowers the amount of the collision deductible and the money the policyholder must pay out-of-pocket in the event of a claim. The company will contribute an initial 100 dollars into the account to get it started. Guaranteed Repair - When customers choose to have their vehicles fixed at a Guaranteed Repair Network facility, the company will ensure the repairs for as long as the policyholder owns the car. Teacher's Insurance - Special features and discounts designed with the needs of educators in mind. Mobile App 24/7 Claims Processing

Customer Experience

National Association of Insurance Commissioners

NAIC Complaint Ratio
4.55
NAIC Total Complaints 2020
222

Customer Ratings

BBB Rating
A-
Number of BBB Positive Reviews
14
Number of BBB Neutral Reviews
3
Number of BBB Negative Reviews
220
Date Collected
2017-10-10
*The NAIC Car Insurance complaint ratio (in this case 4.55) compares a company’s performance to other companies in the market. The median complaint ratio across all car insurance companies is 1. A score below 1 means the company received fewer than the expected number of complaints. A score above 1 means the company received a more than the expected number of complaints.

Claims Satisfaction & Customer Experience - 3 / 5

Liberty Mutual holds an A- Better Business Burau rating with 3.32 out of 5 stars based on 238 customer reviews. Nevertheless, the National Association of Insurance Commissioners reports that the company has by far exceeded the national median complaint ratio for private passenger insurance for 2016, based on 222 total complaints.

Despite some unfavorable reviews, the company continues to have the support of loyal customers who find their claims processing superior to their competitors.

Financial Strength

Key Details

Underwriter
Liberty Mutual Insurance Company
Premiums Written 2020
$10,756,228,434
Marketshare
5.02%
AM Best Financial Rating
a
Moody's Financial Rating
A2
Standard & Poor's Financial Rating
A

Financial Strength - 4 / 5

Liberty Mutual Insurance boasts A ratings from all three major U.S. credit rating agencies, as well as A.M. Best. Their stable long and short-term issuer credit scores attest to the company's ability to pay their policyholder's claims.

Not surprisingly, this solvency has allowed them to take over 5.02 percent of the market, becoming the sixth largest insurer for passenger autos, according to the NAIC's 2016 property and casualty insurance industry report.
*The above information reflects the financial strength of the underwriter of the Liberty Mutual car insurance policies: Liberty Mutual Insurance Company.

Pricing & Discounts

Per Mile Pricing Available?

Discounts

  • Multiple Vehicle
  • Safe Driver
  • Vehicle Safety
  • Student
  • Senior
  • Bundled Policy

Additional Discounts

  • Hybrid / Electric Vehicle
  • Newly Married
  • Full/Automatic Payment

Pricing & Discounts - 4.8 / 5

Liberty Mutual offers the most common auto insurance discounts, such as multiple vehicle, safe driver, vehicle safety, student, and bundled policy discounts, as well as additional savings opportunities for new graduates, retirees, teen drivers, and returning clients.

This broad range of discounts partly compensates for their higher-than-average rates, which can range between $130 and $370. However, Liberty Mutual does set itself apart from other big players in the industry by offering a pay-by-the-mile car insurance option, which bases premiums on clients' base and per-mile rates.

Discounts Fine Print

Teen Driver Discount - Rewards teens for responsible drivers. New Graduate Discount - Offers special savings for new graduates. New to Liberty Mutual Discount - Available for clients who add or change a vehicle on their policies. New Move Discount - Offers special savings to customers who update their policies to their new address.

Contact & Additional Information

Homepage URL
https://www.libertymutualgroup.com
Company Phone
(800) 344-0197
Headquarters Address
175 Berkley St Unit J091, Boston, MA, 02116
Year Founded
1912

Our Comments Policy  |  How to Write an Effective Comment

Leave a comment for Liberty Mutual Auto Insurance
Minimum 12 words.
 No maximum length.
* What's Your Rating?
To make this comment as helpful as possible for our community, please provide at least 2 sentences.

35 Customer Comments & Reviews

Loading Reviews ...
A
Ann
7/31/2018
I was happy until I had a very small incident with another car. First one I had. They advertise they will not raise your rate if you have a first accident. FALSE. After the little incident I had they almost doubled my rate. I am changing companies. My rating 00000.

T
Tom S
5/8/2018
Switched to LIberty Mutual and after three months switching to another carrier. This company doesn't disclose all the facts. The new car replacement advertised on TV ? Costs you extra money. When shopping prices, they tell you that if you sign up for Right track (gps tracker for 3 mos) you get a 10% discount and can earn up to 30% with additional discounts. So you say yes for at least the 10 percent right? Wrong, they didnt tell you that after 3 mos they can take all or part of that 10% away and good luck with any additional discounts. Very sneaky as they are not actually lying, only disclosing the good stuff. My son was stopped at a light and someone ran into the back of him and... Read More

R
Robbed
4/14/2018
A Liberty Mutual customer ran a light and hit me. Forget LM ads that say they will replace your car, they want to pay me 60% of what it would cost to replace it. Their formula is a pile of crap. Thier customer was under-insured so I have to go to my insurance company under the uninsured motorist part. I will still lose $6,000 for LM underappraisal of my vehicle. LM is not the company they claim to be in there TV ads. No ethics, just a company that wants to steal from every accident.

C
Carlos M
3/7/2018
Liberty Mutual promotes predatory actions. Your first time payments are competitive but coming renewal time, their rates for the renewal can be as high as 16% over the previous year. In addition, if you cancel the insurance prior to the renewal date, you will be billed penalty changes that are obnoxious and hidden in your contract. Trying to appeal these charges takes you nowhere as they will not respond to your complaints. My recommendation is -don't use them!!!!!!!!!!!!!!!!!!

S
Suzanne E
1/3/2018
Liberty Mutual was Not there for me, as your commercials tout. Hopefully this company has changed since 2014. My isNsurance with Liberty Mutual was cancelled, when I was in the middle of a Mastsr's program at Georgetown University (which I finished successfully). What was there reason why? Apparently there was a $17 dollar or less change in my yearly premium, and I had an automatic payment set up monthly to the original price of my insurance plan. I was too busy to take note of the surpiseIng "change" in my premium, resting on the knowledge that my automatic payments were being made. Alas, my policy was cancelled, without a single phone call from your company to inquire about the... Read More

Top Rated
  • Best for Competitive Rates
  • Discounts are available for over 850+ organizations & alumni associations
  • Obtain your quote online today - It's fast, easy & free!
  • 24/7/365 customer service
READ FULL REVIEW >
VIEW RATES

Related to Car Insurance

Top Articles
Suggested Comparisons