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6 years experience in personal finance writing
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Experienced personal finance writer
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Liberty Mutual is one of the largest insurers in the U.S., ranking No. 5 for total market share in the property and casualty industry.[1] The insurance company stands out for its solid financial strength and claims-processing tools. But Liberty Mutual does have slightly above-average car insurance rates.
In this review, we’ll draw on verified Insurify user reviews, industry rankings, and our expert analysis to give you a complete, data-driven look at how Liberty Mutual performs. Here’s how Liberty Mutual stacks up when it comes to cost, claims, and customer satisfaction.
Average monthly premium: $213 per month for a full-coverage policy
Liberty Mutual user rating: 3.5/5 from 3,213 verified Insurify reviews
Insurify Quality (IQ) Score: 7.7/10
Best for: Good drivers
Liberty Mutual auto insurance is best for good drivers who value reliable coverage and a robust digital experience.
The insurer offers a well-designed mobile app, plus its RightTrack program rewards safe driving habits. The company has an AM Best financial strength rating of A- (Superior), which means it’s financially sound and has the ability to pay its claims.
Although the company is well-regarded for its financial strength, its customer satisfaction ratings are below average. And Liberty Mutual’s rates are higher than average, especially for teen drivers and drivers with a history of incidents.
Overall, Liberty Mutual is a solid choice for safe drivers who prioritize customized coverage and digital tools over finding the cheapest monthly rate.
| User Reviews | 3.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $157/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $213/mo |
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
In business for 111 years, Liberty Mutual offers auto, homeowners, condo, renters, flood, life and other insurance products. Auto policyholders have access to numerous discounts, including bundling, good student, military, student-away-at-school, claims-free, violation-free, and multi-car discounts. Liberty Mutual has an A rating for financial strength from AM Best. However, the company has three times the expected rate of complaints in the NAIC’s Consumer Complaints Index, and low ratings on consumer review sites Trustpilot and Sitejabber.
Wide range of available discounts
Accident forgiveness available
Available in all 50 states and D.C.
Many negative reviews and customer complaints
Premiums are relatively high compared to industry average
Low customer satisfaction scores from J.D. Power
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Mallory Mooney
Director of Sales and Service
Liberty Mutual has high customer satisfaction. Customers who get (a policy) with Liberty tend to stay with them. But it’s not the best option for customers on the coast.
We’ve collected more than 3,213 real Insurify customer reviews. The following table highlights key themes Insurify identified from these user experiences.
Category  | Average Score |
|---|---|
| Overall experience rating | 3.5/5 |
| Customer service | 3.4/5 |
| Value | 3.3/5 |
| Claims handling | 3.6/5 |
| Coverage options | 3.6/5 |
| Discounts | 3.3/5 |
| Policy transparency | 3.4/5 |
| Policy flexibility | 3.5/5 |
See quotes from top insurers in minutes
The following user reviews are from verified Insurify users who are shopping for a new auto insurance policy.
Industry ratings provide an objective look at an insurer’s financial stability, customer experience, and claims performance. Comparing these scores helps drivers determine what kind of service and value the insurance company provides. Liberty Mutual’s ratings show that it’s solid financially, although its customer satisfaction scores are below average.
Rating | Score | What This Means |
|---|---|---|
| IQ Score | 7.7/10 | Slightly below average compared to leading insurers |
| AM Best | A (Excellent) | Strong financial stability, better than many competitors |
| J.D. Power | Below average in most regions | Lower-than-expected customer satisfaction ratings |
| NAIC Complaint Index | 4.37 | More complaints than average for its size |
| BBB customer reviews | 1.08/5 | Negative customer reviews |
|  |  |  |  |
|---|---|---|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $185/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $108/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $144/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $76/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $168/mo* |
Overall rating 3.5 | Overall rating 3.9 | Overall rating 4.8 | Overall rating 4.9 | Overall rating 3.7 |
Value for money 3.2/5 | Value for money 3.4/5 | Value for money 4.3/5 | Value for money 4.9/5 | Value for money 3.4/5 |
Customer service 3.4/5 | Customer service 3.8/5 | Customer service 4.5/5 | Customer service 4.8/5 | Customer service 3.0/5 |
Claims handling 3.6/5 | Claims handling 3.8/5 | Claims handling 4.7/5 | Claims handling 4.9/5 | Claims handling 3.6/5 |
Special highlight Numerous discountsAI-generated from 1809 user reviews | Special highlight Accident forgivenessAI-generated from 3950 user reviews | Special highlight Numerous discountsAI-generated from 508 user reviews | Special highlight Members of the military communityAI-generated from 1326 user reviews | Special highlight High net worth driversAI-generated from 5 user reviews |
Liberty Mutual’s rates are higher than average compared to other major insurers. Drivers pay an average monthly rate of $157 for liability coverage and $213 for full-coverage car insurance with Liberty Mutual, according to Insurify data.
In general, Liberty Mutual is more expensive for young drivers and people with a history of traffic violations and accidents. But you may be able to lower your rates by taking advantage of Liberty Mutual safe driving discounts or bundling auto insurance with your other policies.[2]
Liberty Mutual tends to be pricier than its competitors. But its solid financial strength rating indicates claims processing may be more reliable than other insurers. Still, higher-than-average rates and high customer complaints could be a deal-breaker for some drivers.
The table below compares Liberty Mutual’s average car insurance rates to other top insurers and shows how your driving record can affect your rate.
Driving Record | Liberty Mutual | Allstate | Travelers | USAA | Chubb |
|---|---|---|---|---|---|
| Clean driving record | $213 | $140 | $187 | $99 | $216 |
| One speeding ticket | $276 | $185 | $247 | $130 | $274 |
| At-fault accident | $284 | $185 | $250 | $131 | $281 |
| DUI | $315 | $207 | $276 | $146 | $319 |
The following table shows how Liberty Mutual’s average auto insurance rates vary by age. In general, the more driving experience you have, the lower your car insurance costs.
Age | Liberty Mutual | Allstate | Travelers | USAA | Chubb |
|---|---|---|---|---|---|
| Teen drivers | $365 | $299 | $429 | $186 | $506 |
| Adult drivers | $235 | $136 | $172 | $91 | $182 |
| Senior drivers | $172 | $108 | $138 | $76 | $141 |
Discounts are one of the best ways to save money on your monthly car insurance premium.[3] Here’s a list of discounts that Liberty Mutual offers its customers:
Homeowner discount: People who own a home may qualify for savings.
Military discount: Liberty Mutual offers savings for active, retired, or reserve members of the military.
Good student discount: Students may qualify for savings with Liberty Mutual for maintaining a GPA of a B or better.
Student-away-at-school discount: Parents of student drivers studying away from home may qualify for a discount.
Claims-free discount: Liberty Mutual offers discounts to safe drivers who have clean driving records.
RightTrack: RightTrack is a telematics program that offers safe drivers up to 30% off monthly premiums, plus a discount for signing up.
Multi-policy discount: Drivers who bundle multiple policies, such as auto insurance and renters or homeowners insurance, can save.
Liberty Mutual offers different types of coverage and allows you to customize your policy with a variety of choices and add-ons.
Comprehensive insurance covers damage from non-collision incidents, including theft, vandalism, fire, hail, floods, falling objects, and cracked windshields. You might be required to purchase this coverage if you have an auto loan or lease.
If you purchase comprehensive insurance, you’ll have a deductible to meet before coverage starts paying for a covered event.
Most states require liability insurance, which covers costs when you cause bodily injury or damage to others’ property with your vehicle. It covers the medical payments and other costs if you hurt someone else with your car.
Liability coverage isn’t subject to a deductible.
Collision insurance pays for repairs to your vehicle, or the actual cash value if it’s totaled, regardless of who caused the accident. It also covers car damage when you run into an object, such as a tree or guardrail, rollover accidents, and pothole damage.
Collision insurance protects you no matter what type of accident you have. As your car declines in value, the cost of collision coverage, including the deductible, may outweigh the benefits of the coverage.
If you’re injured in an accident — no matter who’s at fault — Liberty Mutual will help cover your hospital and medical bills, as well as rehabilitation costs, lost income, and more if you have personal injury protection coverage.
Uninsured/underinsured motorist coverage will help pay medical bills and help you cover the cost to repair or replace your car if an uninsured motorist causes an accident.
If vehicle damage from an accident temporarily prevents you from driving your car, this coverage allows you to use a rental car, up to the selected daily limit of your policy.
Liberty Mutual offers additional coverage that protects you from seeing an increase in your premium after your first at-fault accident. If you don’t have this type of coverage, your rates will rise upon policy renewal after an at-fault accident.
To be eligible for this type of coverage, your driving record needs to be free of accidents and violations for the last five years.
You can buy this add-on coverage to ensure that if you total your car, you’ll be able to replace it with the most recent model.
One of Liberty Mutual’s unique add-ons, this coverage provides teachers with savings through coverage with no deductible for collisions that occur while driving on school business or for vehicle damage from vandalism on school property.
Liberty Mutual offers many insurance products in addition to car insurance, including the following:
Homeowners: This protects your finances after damage to your home and provides liability coverage in case others are injured on your property.
Renters: This provides coverage for your personal property if it’s damaged or destroyed while inside your rental apartment or home. This doesn’t cover the rental building itself, as your landlord’s insurance covers the structure.
Umbrella: This type of liability insurance offers additional coverage amounts for your auto and home that can protect you if someone sues you.
Life: This coverage provides for your family in the event of your death. It can help your family maintain their standard of living when they lose your income.
Pet: If you have a pet, this type of insurance can help you pay for medical procedures and other covered costs.
Landlord: If you own rental units, this policy can provide you with everything you need to cover the structure of your rental and other items associated with being a landlord.
Flood: A standard insurance policy generally excludes flood insurance, which can help you cover costs related to flood damage. Liberty Mutual offers flood insurance through the National Flood Insurance Program.
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Here are the steps you’ll take to file an insurance claim with Liberty Mutual:
Initiate your claim. Start your claim with the Liberty Mutual app, or file online or over the phone. Filing a claim only takes about 5–10 minutes, and you can track and manage your claim as it processes.
Provide additional information. Include key details, like the date of the incident, plus supporting documentation, including photos of any damage, a police report, and information from witnesses.
Get an estimate and begin repairs. Choose from one of Liberty Mutual’s pre-vetted repair shops and have your vehicle repaired.
Pay your deductible. You must pay your deductible amount toward the cost of repairs before Liberty Mutual pays out to cover the rest of your claim.
As you consider whether Liberty Mutual is the right fit for auto insurance, consider the additional information below.
Yes. Liberty Mutual is one of the largest property and casualty insurers in the U.S. and has a high financial strength rating from AM Best. But some customers have concerns over its high rates, and its customer satisfaction scores are below average.
It depends. Liberty Mutual car insurance may be worth it for people with a clean driving record who don’t mind paying above-average rates in exchange for more policy customization options. Plus, Liberty Mutual offers numerous discounts. But Liberty Mutual may not be worth it for drivers with spotty records or people looking for more basic or budget-friendly auto insurance.
On average, Liberty Mutual policyholders pay $213 per month for full coverage and $157 for liability-only coverage, according to Insurify data.
Yes. Liberty Mutual is generally good at paying claims. The company is one of the largest insurers and has an AM Best financial strength rating of A- (Excellent), a typical indicator of an insurance company’s ability to pay claims.
Liberty Mutual has low customer satisfaction scores from both real customers and industry reviews.
When you enroll in Liberty Mutual’s RightTrack program, you receive a discount for signing up. Safe drivers can then earn up to 30% off for safe driving habits while enrolled in the program.
It’s possible. Liberty Mutual may raise your rates after you file a claim, though the exact amount depends on the severity of the claim. For example, if you weren’t at fault for the accident, your rates may not go up.[4]
With the Liberty Mutual app, you can pay your bill, update billing information, file and manage claims, download ID cards, and monitor your policy. Liberty Mutual’s usage-based driving program, RightTrack, also runs through the app.
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
Jamie has been a contributor at Insurify since October 2022.
Experienced personal finance writer
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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