Liberty Mutual Insurance Review
- With 3.1/5 stars in 2024, Liberty Mutual is an average insurance company.
- Read Liberty Mutual reviews, complaints and prices before you buy.
Liberty Mutual insurance: Ratings and reviews
Founded in 1912, Liberty Mutual is one of the most popular insurance providers in the U.S. — not to mention it's the fifth-largest global property and casualty insurance company, serving 29 countries around the world.
The company has an extensive list of insurance options, covering everything from auto and home insurance to critical illness and tuition insurance.
Coverage options, discounts and rates from Liberty Mutual are on par with other insurance companies of similar size and scope. But a closer look at the way the company handles claims and customer service suggests it's not the most favorable; while its financial strength is solid, Liberty Mutual's ratings for claims satisfaction and the number of complaints filed were mediocre.
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12-month policies available
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Above-average customer satisfaction
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Good array of coverage options
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Expensive for teen drivers
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Above average number of NAIC complaints
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Does not have the best reputation for claims satisfaction
Is Liberty Mutual a good insurance company?
The majority of The Zebra's review incorporates how well Liberty Mutual scores in terms of customer service. In order to determine that we looked at the following third-party ratings.
Claims Satisfaction: Below average
- Liberty Mutual earned Below average marks in J.D. Power's most recent auto claims satisfaction study[1]
Customer Satisfaction: Above average
- J.D. Power also rated Liberty Mutual as Above average in overall auto customer satisfaction[2]
Complaint Index:Â Above average
- The National Association of Insurance Commissioners (NAIC) receives Above average customer complaints for Liberty Mutual[3]
Financial Strength: Excellent/Good
- Liberty Mutual received an Excellent/Good financial strength rating from A.M. Best for its ability to pay out claims[4]
The Zebra Customer Satisfaction Survey
In addition to third-party ratings, we also incorporated the results from our own consumer survey where we ranked which car insurance companies are the best based on feedback from real customers. In this survey, Liberty Mutual scored 8.45/10 overall and comes in 16th place.
Liberty Mutual vs. other top insurance companies
How much does Liberty Mutual insurance cost?
Currently, the national average for a 6-month car insurance policy is $1093, whereas Liberty Mutual is about $941 or roughly 7% more expensive than a typical policy, so definitely not one of the cheapest auto insurance options available.
The table below shows how Liberty Mutual auto insurance compares against other top insurers.Â
| Insurance Company | Average Monthly Cost |
|---|---|
| Liberty Mutual | $157 |
| GEICO | $100 |
| Allstate | $169 |
| Nationwide | $119 |
Similar to any insurance company, pricing for Liberty Mutual auto insurance does vary based on your age and generally will get cheaper the older you get.
The table below shows Liberty Mutual's car insurance premiums for different age brackets.Â
| Age Group | Avg. Monthly Premium |
|---|---|
| Teens | $555 |
| 20s | $176 |
| 30s | $140 |
| 40s | $120 |
| 50s | $113 |
| 60s | $109 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Discounts offered
Below are discounts policyholders may receive with a Liberty Mutual car insurance policy. These can add up to help lower your monthly insurance premiums.
- Accident-free:Â Liberty Mutual rewards good drivers with accident-free driving records with a discount.
- Early shopper: If you get a Liberty Mutual quote before your current policy expires, you can earn a discount when you finalize the policy.
- Military: Liberty Mutual honors those who have served with insurance discounts. If you’re a retired, active, or reserved U.S. Armed Forces member, look for a military discount from Liberty Mutual.
- Homeowner: Being a homeowner can result in some savings for your policy.
- Good student:Â Students who keep up good grades with a GPA of B or better can earn a good student discount.
- Student away at school: Students who live outside of your primary residence (while they're usually away at college) and drive your vehicle only occasionally may qualify for this discount.
Read more about Liberty Mutual's discounts here.
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What types of coverage does Liberty Mutual offer?
Liberty Mutual auto policies offer the standard insurance options — like liability, collision, comprehensive, uninsured motorist, personal injury protection (PIP), medical payments and more — to meet the auto insurance requirements of any US state.
Unlike many top insurance companies, Liberty Mutual offers policies in 12-month terms. While this may seem like a long commitment, it may insulate you from rate increases that often occur at the end of a standard six-month policy. Let’s review Liberty Mutual's more unique coverage options available to add to your insurance policy.
- Deductible Fund: Also known as a vanishing deductible, this coverage is an optional add-on that allows policyholders to reduce their deductible by $100 each year by paying extra premium.
- Accident forgiveness: Another optional coverage, accident forgiveness prevents your coverage from increasing after your first accident. In order to qualify, you have to be accident- and violation-free for five years (not available in California).
- New or better car replacement: Liberty Mutual will replace your totaled vehicle with a car one model year newer with less than 15,000 miles. In order to qualify, your vehicle needs to be less than one year old and have less than 15,000 miles on its odometer.
- Roadside assistance: Liberty Mutual’s roadside assistance covers incidents like flat tires, dead batteries, no gas, lockouts and towing.
- Auto loan/lease gap: This prevents policyholders from owing more than a vehicle is worth after a total loss. It covers the difference between Liberty Mutual’s valuation of your vehicle versus its loan or financed value, and can also be known as gap insurance.
Read more about Liberty Mutual's coverages here.
Liberty Mutual RightTrack
RightTrack is Liberty Mutual's telematics program, which uses your driving habits to determine your premium. By enrolling, drivers can receive a 10% discount. By avoiding late-night driving, hard braking and rapid accelerations, you can save even more — as much as 30% off your rate.
Real-life customer experience
In an effort to provide even more insight into the Liberty Mutual customer experience, we reached out to The Zebra's employees to see who has used Liberty Mutual as their own personal carrier. Here is what one of our colleagues had to say:
Natti
Quick facts:
- Customer for over five years
- Only has an auto policy
- Has never filed a claim
Q: How do you feel about the coverage level Liberty Mutual provides, your monthly premiums, and the overall level of customer service provided?
A:Â Liberty's always been very thorough and helpful when I have questions about billing or coverage. They helped me make sure I was getting the coverage I needed for my car and drivers and even suggested using non-driver coverage so that I wouldn't lose money on completely removing a driver.
Â
Q: Have you used Liberty Mutual's telematics program?
Yes! It lowered my rates considerably.
Liberty Mutual insurance review: Summary
As one of the largest players in the insurance space, Liberty Mutual is a decent option for car insurance. Its prices are generally reasonable and the company offers a good variety of coverage options and discount opportunities. However, shoppers should be wary of how the company handles and processes claims should they get into an accident, and keep this in mind if Liberty Mutual is in the running for your next car insurance policy.
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra considers the company's standing in five main categories to come up with an overall rating. These metrics are weighted according to importance and are detailed below:
- Price (20%): Using the base profile detailed below, we compared the company's average rate with the national average. If it surpassed this average, we gave a lower rating; if it fell below, we awarded a higher rating.
- Coverage (20%): The highest-scoring companies offer a variety of coverage options, including bundling options, roadside assistance, telematics, beyond-basic coverage levels, and a variety of other coverage types.
- Customer service (30%): We averaged ratings from JD Power, the NAIC complaint index to come up with a rating for the company's customer service. In instances when a company is not rated, we may use alternative rating agencies such as the Better Business Bureau and Trust Pilot.
- Financial strength (10%): We use AM Best to determine a company's financial standing. In some cases when a company is not rated by AM Best, we may use an alternative measure such as Demotech.
- The Zebra's Customer Satisfaction Survey (20%): The Zebra conducts an annual survey measuring customer satisfaction for many of the top insurance companies with the goal of ranking both the best auto insurance companies and best home insurance companies. Read more below.
For our auto insurance review, we analyzed more than 83 million insurance rates spanning every U.S. ZIP code using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
For our home insurance review, rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:
- $200,000 for the dwelling
- $20,000 for other structures
- $100,000 for personal property
- $100,000 for personal liability
- $1,000 deductible
These sample premiums are dynamic and automatically refresh whenever the newest data is made available.
To generate pricing for particular rating factors, we adjusted this profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level and others.
For The Zebra's Customer Satisfaction Survey, findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.
Liberty Mutual insurance: Frequently asked questions
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Customer Questions about Liberty Mutual
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.