Liberty Mutual Reviews, Coverage Options, and Ratings in 2019

The Zebra
July 31, 2019

Liberty Mutual Car Insurance Reviews, Coverage Options, and Ratings for 2019


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3.0 Rating from The Zebra

The third-largest property and casualty insurance company in the US, Liberty Mutual provides insurance coverage across the US. The company offers a variety of auto, home, and other insurance products via its local agents.

How does Liberty Mutual stack up against similar companies? Let’s assess the Boston-based insurance company’s customer complaints, claims servicing satisfaction, and coverage options for 2019.


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JD Power Rating — Below Average: JD Power rates Liberty Mutual below average in terms of overall customer service and satisfaction.

Financial strength — Superior:Its Superior financial strength rating indicates you need not worry about Liberty Mutual’s ability to pay out insurance claims.

NAIC Rating — Average: According to the National Association of Insurance Commissioners (NAIC), Liberty Mutual received an average number of complaints compared to other major insurance companies.

JD Power Rating — Below Average: JD Power rates Liberty Mutual below average in terms of overall customer service and satisfaction.

Financial strength — Superior:Its Superior financial strength rating indicates you need not worry about Liberty Mutual’s ability to pay out insurance claims.

NAIC Rating — Average: According to the National Association of Insurance Commissioners (NAIC), Liberty Mutual received an average number of complaints compared to other major insurance companies.

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Liberty Mutual car insurance coverage options

Liberty Mutual the standard insurance options — liability, personal injury protection, medical payments — to meet the policy requirements of any US state. Let’s explore the unique coverage options you can add to your insurance policy.


Liberty Mutual deductible fund

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


Accident forgiveness

Another optional coverage, this prevents your coverage from increasing after your first accident. In order to qualify, you have to be accident-free for five years.


Lifetime repair guarantee

This coverage 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

If you’re 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 you owing more than your 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.


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 you may receive with a Liberty Mutual car insurance policy. These can help lower your monthly premium payments.


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.


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 this 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 from home 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

 

Additional lines of insurance

Liberty Mutual offers many kinds of insurance 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. Providing the basics like liability insurance, Liberty Mutual also provides home, renters, home, and even coverage against identity theft. One of the biggest providers in the US, Liberty Mutual has local insurance agents across the US to help you find the coverage 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 and driving record, it’s difficult to give an estimate on what you will pay with Liberty Mutual. Enter your ZIP code below to compare rates from top insurance companies and find a policy.

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