Liberty Mutual Insurance: Reviews, Coverage Options, and Ratings

Liberty Mutual car insurance coverage options

Liberty Mutual auto policies offer the standard insurance options — liability, personal injury protection, medical payments — 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, and sample rates for different kinds of drivers.

HOW MUCH DOES LIBERTY MUTUAL COST?

Liberty Mutual deductible fund

This coverage is an optional add-on that allows policyholders to save money towards your deductible. With this coverage, Liberty Mutual will also contribute to your deductible.

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-free for five years (Not available in California).

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 Guarantee Repair Network facilities to choose from.

New/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 

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.

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
• Lockout 
• 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.

Liberty Mutual discounts and reward programs 

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

RightTrack discount

RightTrack is Liberty Mutual’s telematics program. 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 premium.

ByMile program

Liberty Mutual's program for low-mileage drivers works in a similar fashion to their 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. 

Military discount

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.

Early shopper discount

If you quote with Liberty Mutual before your current policy expires, you can earn savings of as much as 45% on your next policy.

Good student discount

If you’re a student with a GPA of 3.0 or better, you can earn this good student discount.

Student away at school discount

If your daughter or son lives outside of your residence (usually at college) and drives your vehicle only occasionally, you may qualify for this discount.

Advanced safety features

If your vehicle has anti-lock brakes, electronic stability control, or adaptive headlights, you can qualify for this discount.

Alternative energy discount

If your vehicle is environmentally friendly, you can earn a discount from Liberty Mutual.

Other discounts based on your driving history

• Accident-free discount
• Violation-free discount

Other discounts based on your policy specifics

• Multi-car discount
• Payment by bank account 
• Pay-in-full discount
• Online purchase discount
• Paperless discount

Other discounts based on your profile

• Homeowner discount
• Bundling discount

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. 

Additional lines of insurance

Liberty Mutual offers many coverage options and insurance options for you and your assets.

• Homeowners 
• Renters insurance 
• Condo 
• Whole and term life insurance
• Boat insurance
• Motorhome insurance
• Business insurance
• Off-road vehicles 

Is Liberty Mutual right for you?

Liberty Mutual provides a wide range of products to protect you, your vehicle, and your personal property. Liberty Mutual homeowners insurance remains a popular option, as do coverages like liability insurance, life insurance, renters, and even coverage against identity theft. One of the biggest auto insurance providers in the US, Liberty Mutual Insurance has local agents across the US to help you find the auto insurance you need for monthly premiums you can afford. 

The biggest aspect we did not mention is the cost. Because car insurance is based on your vehicle, driving record, and — in many states — credit score, it’s difficult to give an estimate on what you will pay with Liberty Mutual. Remember that while being a loyal customer can sometimes land you a discount, it doesn't always get you the cheapest insurance rates.

If you are a customer of Liberty Mutual nearing the end of your current policy, it might be worth searching for cheaper insurance premiums. Looking for car insurance reviews and comparing quotes from different insurance companies is a good place to start. Enter your ZIP code below to compare insurance quotes from top car insurance companies to help find the right auto policy for you.