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Liberty Mutual insurance overview

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3.5 Rating from The Zebra

Founded in 1912, Liberty Mutual is one of the country's biggest insurance providers — the fourth-largest property and casualty insurance company in the U.S. The company offers a variety of auto, home, and other insurance products via local Liberty Mutual agents and its website, and provides coverage across the nation.

Consult our expert guide to Liberty Mutual's auto and home insurance, detailing coverage options, discounts, special features, and how this Boston-based insurer stacks up against the competition.

 

Liberty Mutual reviews — table of contents:

 


 

Liberty Mutual auto insurance review

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3.0 Rating from The Zebra

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 customer satisfaction and the number of complaints filed were mediocre.

  • JD Power Rating — Below average: JD Power rates Liberty Mutual below average in terms of overall customer service and satisfaction.
  • Financial strength — Good:A good financial strength rating indicates you need not worry about Liberty Mutual’s ability to pay out insurance claims.
  • NAIC Rating — Below average: According to the National Association of Insurance Commissioners (NAIC), Liberty Mutual received more complaints compared to other major insurance companies.

 

Pros and cons of Liberty Mutual car insurance

Good for:
Bad for:
  • Extra or optional coverage options that can further protect you and your vehicle
  • Variety of discounts
  • Telematics options
  • Policyholders who value excellent customer service
  • Teenage drivers not on their parents' policies

 

Where is Liberty Mutual car insurance available?

Liberty Mutual auto insurance is available in 45 states and Washington, D.C.

 

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Liberty Mutual car insurance coverage options

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. Let’s review Liberty Mutual's more unique coverage options available to add to your insurance policy.

Liberty Mutual Deductible Fund®

This coverage is an optional add-on that allows policyholders to reduce their deductible by $100 each year by paying extra premium.


Liberty Mutual 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).


Liberty Mutual lifetime repair guarantee

This coverage option makes the arrangements if your vehicle needs repairs — as long as you own the vehicle. There are more than 2,000 nationwide Guaranteed Repair Network facilities to choose from.


Liberty Mutual new or better car replacement

With this coverage add-on, 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.


Rental car reimbursement through Liberty Mutual

If your vehicle is damaged in a covered accident, this coverage will reimburse you for the cost of your rental. Coverage limits vary by state.


Liberty Mutual roadside assistance

Policyholders worried about being stranded on the side of the road, consider this coverage. Liberty Mutual’s roadside assistance covers:

  • Flat tires
  • Dead batteries
  • No gas
  • Lockouts
  • 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.


Original parts replacement

This coverage will replace your vehicle with original manufactured parts after a claim.

Coverage for teachers

An optional coverage designed for teachers and educators, this provides extra protection for your vehicle and teaching materials from perils like vandalism and theft.

Liberty Mutual Mexico car insurance coverage

Liberty Mutual offers coverage in Mexico if you'll be traveling across the border.

 

Liberty Mutual auto insurance discounts

Below are discounts policyholders may receive with a Liberty Mutual car insurance policy. These can add up to help lower your monthly insurance premiums.


Discounts based on the driver or vehicle

  • Accident-free: Liberty Mutual rewards good drivers with accident-free driving records with a discount.
  • Violation-free: If your driving record is free of tickets, citations, and other violations, you could be eligible for some savings.
  • Alternative energy: Drivers of environmentally friendly vehicles, like hybrids and electric cars, can earn a discount from Liberty Mutual.
  • Anti-theft device:Get this discount if your vehicle is equipped with an anti-theft device.
  • Advanced safety features: Get a discount if your vehicle has anti-lock brakes, electronic stability control, or adaptive headlights.
  • 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 US 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: Students who keep up good grades with a GPA of 3.0 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.

Discounts based on your policy

  • Bundling/multi-policy: Save yourself the hassle and enjoy one of the most popular insurance discounts by bundling more than one Liberty Mutual policy. Home and car insurance is a common combination.
  • Multi-car: If you own multiple vehicles, Liberty Mutual offers a discount for insuring all of them on one policy.
  • Payment by bank: Link your bank account and enroll in automatic payments to receive this discount.
  • Pay-in-full: Pay for your policy in one or two payments to see some savings.
  • Online purchase: Those who buy a policy on the Liberty Mutual website can be eligible for a discount.
  • Paperless: Policyholders who opt for online account management in lieu of traditional paper bills can get a small discount.

Liberty Mutual telematics programs

There are two options for those who are interested in telematics or usage-based insurance options through Liberty Mutual.

Liberty Mutual RightTrack

RightTrack uses your driving habits to determine your premium. By avoiding late-night driving, harsh braking, and rapid accelerations, you can earn as much as 30% off your rate.

Liberty Mutual ByMile

Liberty Mutual's program for low-mileage drivers works in a similar fashion to its RightTrack telematics program. Drivers are given a mileage-tracking device that is plugged into their car's OBD-II port. An app is available to help drivers track their mileage and potentially see savings through customized rates.

 

Liberty Mutual and Turo

Liberty Mutual provides car insurance to those participating in the car-sharing company Turo. Turo is a peer-to-peer car-sharing company that offers an alternative to traditional car rental companies. Individuals can place their own vehicles up for rent, which makes for a tricky situation when it comes to insurance. Liberty Mutual provides three coverage options to individuals that cover the commercial aspects of renting a private vehicle. Learn more about Turo.

 

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How much does Liberty Mutual car insurance cost?

Using our methodology, we compared average rates from Liberty Mutual and how the insurer compares to other companies and the national average.

Liberty Mutual vs. Competitors.png
Insurance CompanyAverage Monthly Cost
Liberty Mutual$144
GEICO$100
Allstate$169
Nationwide$119
Liberty Mutual vs. Competitors by Age Group.png
Insurance CompanyTeens20s30s40s50s60s
Liberty Mutual$555$176$140$120$113$109
GEICO$279$125$101$97$91$91
Allstate$536$212$168$165$153$153
Nationwide$370$158$117$113$103$106
Liberty Mutual vs. Competitors by Violation (1).png
Insurance CompanySpeeding TicketAt-Fault AccidentDUI
Liberty Mutual$168$197$220
GEICO$132$167$221
Allstate$194$251$303
Nationwide$144$181$258


Where is Liberty Mutual auto insurance cheapest?

Liberty Mutual ranks as one of the top three cheapest insurance companies in five states.

StateMonthly Premium
Arkansas$102
Idaho$79
Montana$66
West Virginia$106
Wyoming$83

 

Liberty Mutual bundling options

Bundling a policy with another is one of the best ways to save some money on insurance — and deal with just one invoice. Liberty Mutual offers a wide variety of insurance products that can be bundled with car insurance.

Additional insurance products offered by Liberty Mutual

Insurance Line
 

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Liberty Mutual home insurance review

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3.5 Rating from The Zebra

Liberty Mutual has the fourth-largest market share in homeowners insurance. However, our assessment of its home insurance rates revealed that this company is second-most expensive when pitted against other popular home insurance providers. Liberty Mutual's ratings for claims and customer satisfaction were a mixed bag, as detailed below by reputable third parties in the industry. Policyholders who expect good customer service — especially in the event of a claim — should proceed with caution and consider alternatives if the cost for their desired level of coverage is better elsewhere.

  • JD Power Rating — Below average: JD Power's most recent study on claims and customer satisfaction assessed Liberty Mutual as just below the industry average.
  • Financial strength — Good: Measured by AM Best, Liberty Mutual's financial outlook has an "A" rating.
  • NAIC Rating — Above average: Fewer complaints were logged by the NAIC regarding Liberty Mutual's home insurance, putting this company at just below the national complaint index.

 

Pros and cons of Liberty Mutual homeowners insurance

Good for:
Bad for:
  • Homeowners looking for standard coverages with a good variety of discounts
  • The option of adding hurricane coverage
  • Homeowners looking for extra coverage options, endorsements, or add-ons
  • Those looking for a cheap rate

 

Where is Liberty Mutual home insurance available?

Liberty Mutual homeowners insurance is available in 40 states and Washington, D.C.

 

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Liberty Mutual homeowners coverage options

All of the standard coverages for home insurance are offered by Liberty Mutual, like protection for your dwelling, personal property, personal liability, additional living expenses and more. Some optional coverages — detailed below — can be added to a homeowners policy. Learn more about endorsements in homeowners insurance.

Replacement cost for personal property

Losses to personal belongings are usually covered on an actual cash value basis. This means that if your TV were stolen, your insurance company wouldn't pay the full amount required for a new one; unless you upgrade your coverage to replacement cost, the insurer will lower your compensation by deducting for the item's depreciation.

Jewelry coverage

This add-on covers fine jewelry if it's lost or stolen. Liberty Mutual does not require up-front appraisals or a deductible to use this coverage.


Hurricane coverage

Designed specifically for hurricane damage, Liberty Mutual offers protection for your property in the event of a hurricane. Depending on your state, this coverage may require a separate hurricane deductible.


Water backup

This endorsement to your homeowners policy covers water damage as a result of overflows or backups in sewers, drains, or sump pumps.


Inflation protection

If you adjust your coverage limits to keep up with inflation when it comes time to renew your policy, Liberty Mutual offers a discount on your premium.

 

Liberty Mutual discounts on home insurance

The variety of discounts on offer from Liberty Mutual is competitive with other home insurance providers. Most of these discounts can be found elsewhere and may vary from state to state and policy to policy.

Discounts based on the homeowner or property

  • Claims-free: This common discount is awarded to homeowners who have not filed a claim within the past five years.
  • Early shopper: Get a homeowners quote and finalize your Liberty Mutual policy before your current policy expires to secure this discount.
  • Safe homeowner: Save on your premium by being claims-free to three years as a Liberty Mutual customer.
  • Newly purchased home: Just bought a home? Liberty Mutual offers some savings for new homeowners.
  • New/renovated home: If your property is new or recently renovated, make sure to inquire about this discount.
  • New roof: A good roof is critical in the eyes of insurance companies. Installing a brand new roof will put your insurer at ease and result in some savings.

Discounts based on your policy

  • Multi-policy/bundling: Need more than one type of policy? Considering bundling home insurance with another policy from Liberty Mutual to get a multi-policy discount.
  • Insured to value: If your coverage limit covers 100% of your home's replacement cost, you could be eligible for this discount.
  • Preferred payment: Get this discount by linking your bank account and enrolling in automatic payments.
  • Paperless: Choose paperless billing to qualify for some savings.

 

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How much does Liberty Mutual home insurance cost?

See our rate analysis below of how Liberty Mutual's average rates compare with competing companies.

Liberty Mutual vs. Competitors (homeowners).png
Insurance CompanyAverage Monthly Cost
Liberty Mutual$144
AAA$109
Allstate$119
Farmers$161
Nationwide$117
State Farm$139

 

Where is Liberty Mutual homeowners insurance cheapest?

There are six states in which Liberty Mutual is among the top three cheapest options for homeowners insurance:

StateMonthly Premium
Alabama$90
Iowa$62
Minnesota$73
North Carolina$100
New Mexico$84
Utah$37

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Liberty Mutual online features and app

Like many insurance companies that are nationally recognized, Liberty Mutual's website can generate quotes for home, auto, and other lines of insurance, and lets customers tailor their coverage for their needs. More features of the site include:

  • Quotes for bundling auto insurance with home, condo, or renters
  • File and manage claims
  • Account management: bill pay, view policy documents, acquire proof of insurance cards
  • Finding local agents

Liberty Mutual's mobile app (available for Apple and Android) provides much of the same functionalities as the website, letting policyholders manage billing, file claims, and carry digital insurance ID cards.

 

Compare Liberty Mutual with competitors

Learn more about Liberty Mutual at libertymutual.com.

Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog, USInsuranceAgents.com, and BestCompany.com.

About The Zebra

The Zebra is not an insurance company. We’re an independent, unbiased partner for consumers, on a mission to help you compare insurance options apples-to-apples, so you can make a truly informed decision. We’re proud because: