Liberty Mutual Car Insurance Review for 2025 [See Rates & Discounts Here]

Liberty Mutual Car Insurance Rating

Rating Criteria
Overall Score	4.3
Business Reviews	4.0
Claims Processing	3.3
Company Reputation	4.0
Coverage Availability	5.0
Coverage Value	4.1
Customer Satisfaction	4.0
Digital Experience	4.5
Discounts Available	5.0
Insurance Cost	4.2
Plan Personalization	4.5
Policy Options	5.0
Savings Potential	4.4

Liberty Mutual Car Insurance Monthly Rates by Coverage Level, Age, & Gender

Liberty Mutual Car Insurance Monthly Rates vs. Top Competitors by Age & Gender

Insurance Company	Age: 18 Female	Age: 18 Male	Age: 25 Female	Age: 25 Male	Age: 30 Female	Age: 30 Male	Age: 45 Female	Age: 45 Male	Age: 60 Female	Age: 60 Male	Age: 65 Female	Age: 65 Male
	$639	$740	$258	$270	$240	$251	$230	$228	$213	$219	$225	$223
	$435	$590	$177	$209	$165	$194	$164	$166	$148	$150	$160	$162
	$852	$896	$245	$256	$228	$238	$198	$197	$171	$182	$194	$193
	$313	$361	$137	$133	$128	$123	$113	$114	$103	$106	$111	$111
	$744	$892	$267	$306	$248	$284	$244	$247	$210	$226	$238	$242
	$431	$552	$194	$213	$177	$194	$161	$163	$141	$148	$157	$160
	$843	$944	$200	$208	$186	$194	$159	$149	$131	$135	$155	$146
	$327	$405	$143	$157	$133	$146	$122	$122	$108	$108	$120	$120
	$756	$1,055	$152	$165	$141	$153	$139	$247	$126	$128	$136	$138
	$257	$289	$113	$121	$105	$113	$84	$83	$75	$75	$82	$81

Insurance Company	Clean Record	One Ticket	One Accident	One DUI
	$228	$268	$321	$385
	$166	$194	$251	$276
	$83	$100	$118	$153
	$198	$247	$282	$275
	$114	$151	$189	$309
	$248	$302	$335	$447
	$164	$196	$230	$338
	$150	$199	$265	$200
	$123	$137	$146	$160
	$141	$192	$199	$294

Liberty Mutual Car Insurance Discounts

Discount Type
Bundling	25%
Safe Driver	20%
Good Student	15%
New Driver	15%
Loyalty	10%
Multi-Car	10%
Vehicle Safety	10%
Accident-Free	20%
Military	10%
Affinity Group	15%
Hybrid/Electric Vehicle	10%
Paperless & Pay-in-Full	12%

Liberty Mutual Car Insurance Business Ratings & Consumer Reviews

Agency
	Score: 857 / 1,000 Above Avg. Satisfaction
	Score: A Excellent Rating
	Score: 74/100 Good Customer Satisfaction
	Score: 0.55 Fewer Complaints Than Avg.
	Score: A Excellent Financial Strength

Liberty Mutual’s Position for the Future

Now that we’ve taken some time to review Liberty Mutual’s financial and customer service ratings, as well as their market share and rank based on company size, what does all this information mean?

No one can see the future, but we can use this information to help us gauge Liberty Mutual’s positioning for the future, and whether or not they are prepared.

Based on the evidence we’ve presented so far, Liberty Mutual appears to be in a solid position moving into the future.

• Financially, Liberty Mutual is in good shape for the future. They consistently receive strong ratings from numerous independent financial rating firms.
• They have consistently held about 5 percent of the auto insurance market share, which has kept them ranked as the sixth-largest insurance provider in the country for the past three years (prior to that they were ranked seventh).
• This increase in rank is also an indicator of incremental growth as a company.
• Finally, Liberty Mutual has positioned itself well from a technology perspective. We’ll go into this in further detail in a later section, but it is important to note that they have multiple mobile apps, a user-friendly website, and they use social media as a form of customer interaction and communication (in addition to more traditional methods).

Liberty Mutual’s Online Presence

Liberty Mutual has a reasonably user-friendly website that offers policy-holders the ability to manage their policies online. They encourage potential customers to use their website to get quotes.

Additionally, using an online account process, you can file claims, update your policy, pay your premiums, get help with your insurance policy (through their FAQs), and more.

You can also use their website to access mobile versions of your insurance cards, report fraud, and review your coverage. However, if you need roadside assistance or would like to work with an agent, you’ll need to call customer service at 1-800-290-7933, text them (they provide a widget to do so), tweet or message them on Facebook, or mail them.

Liberty Mutual in the Community

Liberty Mutual is active in the community by supporting philanthropic organizations in three main areas of need:

• Accessibility – focused on “advancing access for people with disabilities.”
• Education – focused on “expanding educational opportunities for underserved students.”
• Homelessness – focused on “empowering individuals who are experiencing homelessness.”

According to their 2018 giving report, over $52 million was donated to nonprofits and causes through a combination of corporate and employee giving. Employees and executive staff spent over a combined 2.6 million hours conducting community service.

Liberty Mutual also funds the Liberty Mutual Foundation (which is over 15 years old), which awards grants in those three primary categories, specifically in communities in Boston, Seattle/King County, and Dallas.

Liberty Mutual’s Employees

We’ve covered a lot of information on what financial credit rating firms and consumer reports say about Liberty Mutual, but what do its own employees say about it? Who works for Liberty Mutual? How long do they work there?

In the below table, we’ve broken down employee demographics by age/generation.

Liberty Mutual Employees Demographic

The largest percentage of employees is millenials by a fairly significant margin (25 percent more than the next most common generation), followed by Gen X. The smallest percentage of employees are baby boomers.

Take a look at this table to see what employee tenure at Liberty Mutual looks like.

Liberty Mutual Employee Tenure

Nearly half of the employee population (47 percent) has been at Liberty Mutual for five years or less.

Eighty-three percent of surveyed employees say Liberty Mutual is a great place to work.

Of those employees surveyed by Great Place To Work,

• Ninety-one percent said they felt good about the ways the company contributes to the community
• Ninety-one percent said employees are made to feel welcome when they join the company
• Eighty-nine percent said they are able to take time off work when necessary
• Eighty-eight percent said they believe employees are given a lot of responsibility
• Eighty-six percent said management is honest and ethical in its business practices

Some of the primary reasons employees said Liberty Mutual is a great place to work include work-life balance, the people, flexibility, and the benefits.

In recent years Liberty Mutual has won a number of awards and accolades, as well as been listed on various “best to work for” lists for being a great place to work. Currently, some of these include:

• Number 37 on People Magazine’s “companies that care” list for 2019
• Number 112 out of 150 for Forbes magazine’s America’s Best Employers for New Graduates list in 2019
• Certified by Great Place to Work US as a 2019 Great Place to Work
• Recognized as Military Friendly® Employer for 2019 (and 2018)
• Number 105 out of 300 for Forbes magazine’s Best Employers for Women list for 2019 (and 2018)
• Rated at 100 percent on the Corporate Equity Index for the Human Rights Campaign Foundation’s 17th Annual Scorecard on LGBTQ Workplace Equality

As the statistics and awards show, employees mostly agree that Liberty Mutual is a good place to work, the company is committed to giving back, and it actively supports diversity in the workforce.

Glass Door provides some additional information from employees working for Liberty Mutual. Their data indicates that surveyed employees rank the company as 3.3 out of five stars, based on several categories, which we’ve summarized in the below table.

Liberty Mutual Glass Door Employee Ratings

Cheap Car Insurance Rates

When shopping for car insurance, you want to know you’re getting the best bang for your buck. We all know its a required expense if you drive or own a car, so making it fit your budget is something every driver must consider.

We’ve pulled Quadrant data and analyzed it in a variety of ways to help you make decisions regarding whether or not Liberty Mutual is the right fit for you, based on possible rates. However, when looking at this data, it is important to keep in mind that there are numerous factors insurance companies consider when adjusting your rates, and these numbers are averages, so they are a good baseline for what you might pay but are not exact quotes.

Read on to learn more about what Liberty Mutual Insurance costs in your area, how age and gender can affect rates if you purchase a policy with Liberty Mutual, and more.

Liberty Mutual’s Availability and Rates by State

Liberty Mutual Insurance is available in all 50 states and the District of Columbia. The average rates for Liberty Mutual Insurance in states across the country are listed in the table below, compared to the respective state average (including all insurance companies) for each state.

Liberty Mutual Car Insurance Monthly Rates vs. U.S. Average by State

States		U.S. Average	Percent Difference
Alabama	$334	$297	12%
Alaska	$441	$285	55%
Arizona	$350	$314	11%
Arkansas	$375	$344	9%
California	$253	$307	-18%
Colorado	$233	$323	-28%
Connecticut	$607	$385	58%
Delaware	$1,530	$499	207%
Florida	$447	$390	15%
Georgia	$838	$414	102%
Hawaii	$266	$213	25%
Idaho	$192	$248	-23%
Illinois	$190	$275	-31%
Indiana	$482	$285	69%
Iowa	$368	$248	48%
Kansas	$399	$273	46%
Kentucky	$494	$433	14%
Louisiana	$500	$476	5%
Maine	$361	$246	47%
Maryland	$775	$382	103%
Massachusetts	$362	$223	62%
Michigan	$1,667	$875	91%
Minnesota	$1,130	$367	208%
Mississippi	$371	$305	22%
Missouri	$377	$277	36%
Montana	$111	$268	-59%
Nebraska	$520	$274	90%
Nevada	$517	$405	28%
New Hampshire	$704	$263	168%
New Jersey	$564	$460	23%
New Mexico	$325	$289	13%
New York	$545	$357	52%
North Carolina	$182	$283	-36%
North Dakota	$1,071	$347	209%
Ohio	$369	$226	63%
Oklahoma	$573	$345	66%
Oregon	$361	$289	25%
Pennsylvania	$505	$336	50%
Rhode Island	$515	$417	24%
South Carolina	$342	$315	8%
South Dakota	$626	$332	89%
Tennessee	$517	$305	70%
Texas	$375	$337	11%
Utah	$361	$301	20%
Vermont	$302	$270	12%
Virginia	$208	$196	6%
Washington	$333	$255	31%
Washington, D.C.	$408	$370	10%
West Virginia	$244	$216	13%
Wisconsin	$563	$301	87%
Wyoming	$166	$267	-38%

For those states with available data (eight of those listed did not have data available), 84 percent of the Liberty Mutual Insurance rates are higher than the state average for insurance coverage.

Average Liberty Mutual Rates by Make and Model

What kind of vehicle do you drive? This is another factor insurance companies typically consider when adjusting your rates. Why? Because insurance companies base rates on the risks associated with the cost of a claim, should it be filed. This means what you drive has an effect from the perspectives of cost/value of your vehicle, how likely it is to be stolen, the potential cost of repairs, and more.

In this table, we compare Liberty Mutual’s average national rates for five popular vehicles.

Liberty Mutual Car Insurance Monthly Rates by Make & Model

Across the five vehicles, there are minor variations in rates, with the cheapest coverage being for the 2015 Toyota RAV4 XLE and the most expensive coverage being for the 2018 Toyota FVA4 XLE. There is only a 7.19 percent difference between the average coverage rates for these two vehicles.

Average Liberty Mutual Commute Rates

Do you spend a significant amount of time commuting to work each day? If so, this may be a factor for your insurance rates. Essentially, for some companies, the more miles you drive, the higher your insurance rates. Why? Because the more you drive, the higher your likelihood of being in an accident or other events that result in you filing a claim.

In the below table, we’ve pulled Liberty Mutual’s average national rates for insurance based on commute length to see if this may be a factor.

Liberty Mutual Car Insurance Monthly Rates by Annual Mileage

Mileage
6,000 Miles	$500
12,000 Miles	$513

While this may vary from state-to-state, at the national level, Liberty Mutual’s rates for longer commutes (an average of 12,000 miles per year) are only about 2.6 percent higher than their rates for shorter commutes (an average of 6,000 miles per year).

Liberty Mutual Auto Insurance Coverage Options Explained

Liberty Mutual offers a range of coverage options, from basic liability to specialized add-ons, allowing you to tailor your policy to your needs.

• Standard Coverage: Includes MedPay, bodily injury liability, and property damage liability, covering medical expenses and damages for accidents you cause.
• Optional Protection: Add-ons like uninsured motorist coverage, personal injury protection, collision, and comprehensive insurance provide extra security for accidents, weather damage, and theft.
• Vehicle Protection: New Car Replacement, Better Car Replacement, and Auto Loan/Lease Gap coverage help replace or repair your vehicle after a total loss.
• Convenience & Extras: Accident Forgiveness, Rental Car Reimbursement, Towing & Labor, and Lifetime Repair Guarantee offer peace of mind with roadside assistance and claim benefits.
• Specialized Coverage: Options like Teachers Car Insurance, Mexico Car Insurance, and Original Parts Replacement cater to specific drivers and travel needs.

With Liberty Mutual’s customizable options, you can choose coverage that fits your budget while ensuring financial protection for accidents, repairs, and unexpected events.

Liberty Mutual’s Bundling Options

Liberty Mutual strongly recommends their policyholders consider bundling their insurance.

They primarily focus on home and auto insurance bundles. If you choose to bundle these two, you will save money through their Multi-Policy Discount program. If you have renters insurance with Liberty Mutual, you can also receive a Multi-Policy Discount by bundling it with any other insurance coverage policy you have with the company.

 – Vehicle Equipment

If you have any safety or theft-related technology included on your vehicle, its worth your while to spend a few minutes discussing those items with your insurance agent, because some of them may mean discounts on your policy. For Liberty Mutual, these include:

• Adaptive Cruise Control
• Adaptive Headlights
• Anti-Lock Brakes
• Anti-Theft
• Daytime Running Lights
• Driving Device/App (like IntlliDrive, SmartRide, Snapshot, or Drivewise)
• Electronic Stability Control
• Forward Collision Warning
• Lane Departure Warning
• Passive Restraint
• VIN Etching (VIN etched on windows to reduce the value of a stolen vehicle)

Two of particular interest are the adaptive cruise control and lane departure warning. Both of these are somewhat unusual in that not many car insurance companies offer discounts for these two safety-related technologies. With that in mind, if you have either of these on your vehicle, you may want to speak with a Liberty Mutual insurance agent to see what these can do for your rates.

 – Multiples

You already know having multiple policies with Liberty Mutual means you can bundle your policies and save. However, you can also save if you have multiple vehicles insured under the same policy with Liberty Mutual.

 – Young Drivers

As you saw earlier, when we discussed how gender, age, and marital status could affect your rates, the younger you are, the higher your rates will typically be. To help offset this, Liberty Mutual offers a few different discounts for young drivers.

If you are a good student, you may receive some discounts. However, in order to qualify, you typically must be under the age of 25, maintain a “B” average (or a 3.0 GPA), and be in the top 20 percent of your class. To find out specifics for the requirements at Liberty Mutual in your area, you’ll need to speak with an insurance agent.

You may also qualify for a discount if you’ve graduated in the past year (which is not a commonly offered discount among the major insurance companies).

Liberty Mutual also offers discounts to any newly licensed drivers, regardless of age.

If you are a teen driver, you may qualify for a “young driver” discount. In addition, if you take a “teenSMRT ” class, which typically costs about $70.00, you may be able to qualify for another discount.

 – Environmentally Friendly

Like many insurance companies, Liberty Mutual offers discounts for environmentally-friendly choices. These include owning a “green” vehicle and electing to use paperless or auto-billing options.

 – Stability

Insurance companies like variables that point to your stability, these can be indicators that you’ll be a responsible driver, pay your bills on time, etc. Some of the indicators they consider (and can get your discounts) at Liberty Mutual are listed below.

• Full Payment
• Homeowner
• Married
• Membership/Group

The “membership/group” discount is offered to members of participating groups, organizations, associations, etc. Your insurance agent can help you determine if you qualify for this particular discount. Currently, over 14,000 entities are included by Liberty Mutual for this particular discount.

 – Driving record

You already know having a clean driving record will help ensure your rates do not increase. But did you know, having a clean record can also qualify you for discounts on your car insurance premiums? At Liberty Mutual offers discounts for the following:

• Claim Free
• Defensive Driver
• Low Mileage

It is important to note that the defensive driver discount is typically only offered to drivers over the age of 50, and the low mileage discount is usually only offered to drivers who log less than 5,000 miles per year. You’ll need to speak with an insurance agent to find out the specifics in your area.

Driver’s Education

As another sign of making responsible choices, Liberty Mutual (along with a number of other insurance companies) offers discounts to drivers who have at least a four-year college degree. Additionally, you may receive discounts if you are a student or alumnus of certain schools (your insurance agent will be able to tell you if you qualify).

 – Driver’s Employment

In some cases, your place of employment (or employment status) may qualify you for certain discounts. Federal employees and active duty military receive discounts from Liberty Mutual, as do recent (within one year) retirees. Speak with an insurance agent to find out what other occupations may qualify you for discounts.

 – New

Liberty Mutual offers some unique discounts for customers, specifically focused on those who have moved to a new address, are new customers, or purchase a new plan.

Similar to many other insurance companies, they also offer a discount for switching from another provider to Liberty Mutual.

Liberty Mutual’s Programs

Liberty Mutual offers a number of programs that save you money, add additional protection in the event of an accident or damage to your vehicle, and more.

A specific way in which you can obtain additional discounts when you purchase a policy through Liberty Mutual is to exercise the usage-based applications they offer. These applications track various aspects of your driving to see if you qualify for related discounts.

• The HighwayHero application tracks your driving habits and behavior and awards you a score. The better your score, the higher your likelihood of qualifying for discounts.
• The ByMile application tracks your monthly mileage. Lower mileage can qualify you for discounts.
• The RightTrack Mobile application, similar to HighwayHero, tracks your driving habits and offers driving feedback and tips. Safe driving can qualify you for discounts.

Liberty Mutual’s Accident Forgiveness program is structured to save you money by ensuring your rates do not increase after your first car accident. It is considered additional coverage that you must add to your policy. However, in order to qualify for this additional coverage, you must be able to prove you have maintained a clean driving record (free of both traffic violations and car accidents) for at least five years.

The Liberty Mutual Deductible Fund® is a program that allows you to decrease your collision coverage deductible over time gradually. If you enroll in this program, a $30 annual fee will be added to your bill. Each year you remain enrolled in the program, your deductible will be reduced by an additional $100.

This means that if you remain enrolled in the Liberty Mutual Deductible Fund® program for at least five years, you’ll reduce your $500 deductible to zero. If you remain enrolled beyond the five years, Liberty Mutual notes that you’ll keep earning and saving after you reach the $500 threshold.

Liberty Mutual offers its insureds the option to include  24/7 roadside assistance in their policies. However, a prerequisite to accessing this add-on is including the “Towing & Labor” coverage in your policy. Once you add “Towing & Labor” coverage to your policy, you can add the 24/7 roadside distance coverage. If you need a tow, your battery jumpstarted, a flat changed, or more, all you need to do is call 1-800-426-9898.

What Stands Out, And What’s Missing

Liberty Mutual offers a variety of discounts and programs to help its insureds purchase and maintain the coverage they need. Some of the standouts include the Liberty Mutual Deductible Fund® and their wide variety of discounts.

However, there are some gaps worth briefly noting. The company does not currently offer its customers any kind of loyalty discounts or rewards programs. Additionally, they do not offer customers any discounts for owning newer vehicles or safe-driver-specific discounts (though they do have some usage-based applications we previously discussed that can result in good driver discounts).

Liberty Mutual Coverage Options for Businesses

The coverage options offered by Liberty Mutual for a business’ fleet coverage may include:

• commercial auto
• motor carriers
• truckers
• garage keepers

The list may also include excess liability, which is for companies who decide to self-insure. Self-insurance is a choice made by business owners that allows them to save on outside coverage.

However, if it is a small- to medium-sized company, one claim could financially wipe out the whole company.

For this reason, excess liability is purchased for additional protection against large claims. Businesses can take advantage of Liberty Mutual’s global services as well. Many businesses are becoming international, including this major carrier which offers professional indemnity coverage.

When establishing coverage, you can opt for a single claim limit or split limit policy, the latter of which is commonly expressed like 50,000/120,000/30,000 and pays $50,000 for a single person set of injuries and $120,000 for any injuries or deaths of any multiple numbers of people.

The $30,000 is for property damage related to the accident. The single claim limit is $1,000,000 is for injuries, deaths, and property damage.

What car insurance deductible options does Liberty Mutual offer?

Liberty Mutual offers deductibles commonly offered by most insurers. While individuals opt for deductibles that range from $0 to $1,500, business deductibles are higher.

Instead of paying separate deductibles, truckers can combine the deductible for the truck, the cargo, and the trailer, for example.

Business owners may want to remember that they are responsible for the deductible in the event of an accident.

The amount and how you set up your business deductibles may be critical to your cash flow in the event of an accident.

Therefore it is advisable to set a realistic amount based on what your business can afford to pay as opposed to setting an amount strictly based on how it affects the business commercial car insurance premiums.

What special car insurance program options does Liberty Mutual offer?

This company has several programs to benefit your business, such as the Liberty Mutual Research Institute for Safety and Driver Safety Program. The research institute is responsible for studying safety practices and accidents.

An example is a recent study that determined a trucking company was experiencing excessive sideswipes because of poor visibility. As a result of these finding, they recommended more mirrors.

The Liberty Mutual Group services many companies domestically and globally. With this in mind, there are many different programs specifically designed for certain industries. Therefore, you may want to discuss further program options with your Liberty Mutual agent or representative.

Canceling Your Policy

If you need to cancel your insurance policy with Liberty Mutual for any reason, you can do so with the help of one of their insurance agents. However, it’s important to keep in mind that if you cancel your policy, you will need to have another policy ready, so there is no gap in insurance coverage.

This is especially important because nearly every state in the country requires you to maintain some amount of minimum insurance coverage, which means to avoid fees, fines, and even the possible suspension of your driver’s license, you will need to ensure you do not have a gap in coverage.

Cancellation Fee

While Liberty Mutual makes it easy for you to cancel your insurance coverage, you may have to pay a cancelation or early cancelation fee. They do not mandate this at a corporate level, but in some states, this is considered standard.

Most of the company’s insurance policies are sold in 12-month increments, so if you choose to cancel before the 12-month timeframe is up, you may be required to pay an early cancelation fee.

Whether or not you must pay a cancelation/early cancelation fee and how much that fee will cost you varies from state-to-state, so your best bet is to speak with your insurance agent to find out what specifically applies to you.

Is there a refund?

Liberty Mutual will refund you any prorated policy premiums you’ve already paid. However, there may be a delay after you cancel before you receive that refund.

When can I cancel?

You can cancel at any time. However, as we mentioned previously, Liberty Mutual typically sells 12-month policies, so if you cancel before the 12-month policy expires, you may be required to pay a cancelation fee.

The exact amount of this fee and whether or not you’ll be required to pay it (and the exact amount) varies based on your location and policy, so you’ll need to speak with a licensed agent to find out specifics for your situation.

Liberty Mutual Auto Insurance Quote: Step-by-Step Guide

Getting an auto insurance quote from Liberty Mutual is a straightforward process. Follow these steps to ensure you get an accurate estimate.

• Start with Your Zip Code: Visit Liberty Mutual’s website, select “Auto,” and enter your zip code. You can also use location services to autofill it. If you’re bundling home, renters, or condo insurance, select those options before proceeding.
• Enter Your Personal and Vehicle Details: Provide your name, email, and birthdate. Liberty Mutual may offer to prefill vehicle details using third-party data, but you can enter them manually. Input your car’s make, model, or VIN for accuracy.
• Save Your Progress and Explore Discounts: If you need to step away, your quote is saved. Discounts for safety features, low mileage, and driver history may automatically apply. Check eligibility for additional savings like military or student discounts.
• Provide Insurance and Driving History: Enter current policy details if switching providers. Include all household drivers, even if they have separate policies. Estimate annual mileage and specify if the car is leased, financed, or owned.
• Review and Finalize Your Quote: Consider enrolling in Liberty Mutual’s RightTrack program for extra savings. After entering all details, review your quote, adjust coverage, and speak with an agent if needed.

Liberty Mutual makes it easy to get an online quote, customize coverage, and explore discounts. Once satisfied, you can proceed with purchasing your policy.

Liberty Mutual Website & App Review: Accessibility & Features

To apply for a Liberty Mutual quote, have your personal and vehicle details ready, as outlined in the table above. Liberty Mutual offers both a website and a mobile app for accessibility, ensuring customers can easily obtain quotes, manage policies, and find information. The website is user-friendly, with a straightforward navigation menu, a search function, and a resources tab for quick access to important tools. The homepage provides direct links for quotes, policy management, and agent contact. Mobile access mirrors the desktop interface, optimizing usability across devices. The website’s clean design and intuitive layout enhance user experience, making information easy to find and interact with.

Liberty Mutual Mobile App Review: Features & User Feedback

The Liberty Mutual mobile app, available on iOS and Android, allows users to pay bills, update policies, file claims, and request roadside assistance. It holds high ratings—4.7 stars on Google Play and 4.8 on the App Store—with over 32,000 reviews. While most users find the app convenient, some report issues like freezing, login problems, and difficulty updating policy details. The fingerprint scanner and auto-pay settings have also caused frustration. A recent update led to mixed reactions, with some users finding navigation more cumbersome. Despite these issues, the app remains a well-rated tool for managing Liberty Mutual policies.

Liberty Mutual Car Insurance Pros and Cons

Liberty Mutual offers extensive coverage options, but how does it compare to other insurers? Here are the key pros and cons to consider before choosing a policy.

Pros

• Wide Range of Discounts: Offers discounts for good drivers, new drivers, and even environmentally friendly vehicles.
• Customizable Policies: Provides flexibility by allowing customers to add only the coverages they need.
• Nationwide Availability: Policies are available in all 50 states and Washington, D.C.

Cons

• Higher-Than-Average Rates: Liberty Mutual’s average rates are among the highest in the industry.
• Mixed Customer Service Ratings: JD Power rates Liberty Mutual as “about average,” with inconsistent customer service reviews.

While Liberty Mutual’s discounts and customizable coverage options are appealing, the high rates and customer service concerns may be drawbacks for some. Comparing quotes can help determine if it’s the right choice for you.

The Bottom Line

Liberty Mutual’s consistent market share percentage and rank as the sixth-largest insurance provider in the country indicate that the company is well able to gain and keep customers. Though their rates are on the high end, their numerous and varied discount options help to manage the cost of premiums.

The company also shows a strong commitment to corporate responsibility and donates millions of dollars and hours in local communities each year.

While Liberty Mutual has received some mixed reviews regarding their customer service and mobile app, overall, they present a strong, consistent front that is backed by their long-running history as a company, their market share, rank, and financial ratings.

However, ultimately, only you can decide if Liberty Mutual is right for you and your needs. We recommend getting quotes from a few different companies, to see what your options are, and how well each company can meet your needs and budget.

Now that you’ve read through the information, you need to decide if Liberty Mutual is right for you, are you ready to start shopping for insurance? As a first step, take a few minutes to enter your ZIP code in our free quote comparison tool today.