120+ moreCategory  | Average Score |
|---|---|
| Overall experience rating | 3.4 |
| Customer service | 3.4 |
| Value | 3.0 |
| Claims handling | 3.5 |
| Coverage options | 3.6 |
| Discounts | 3.3 |
| Policy transparency | 3.3 |
| Policy flexibility | 3.5 |
Liberty Mutual overall user rating: 3.4 out of 5
Insurify Quality (IQ) Score for Liberty Mutual: 7.7 out of 10
NAIC complaint index: 2.23 (higher number of complaints than average)
Average monthly full-coverage premium from Liberty Mutual: $208
Insurify gives Liberty Mutual a quality score of 7.7/10. Overall, Liberty Mutual customers praise the company for its customer service and often cite its friendly agents and quick claims handling. Negative reviews focus on Liberty Mutual’s high rates, with some customers saying it’s not worth the money. Liberty Mutual does have some of the more expensive average premiums, at $208 per month for full coverage.
Liberty Mutual customers rate the company a 3.4 out of 5 for customer service. Positive reviews mention helpful and knowledgeable agents who answer questions quickly. Negative reviews mention difficulty reaching support and slow follow-up.
Below are real reviews from Insurify customers about Liberty Mutual.
Liberty Mutual’s customer service score of 3.4 out of 5 is lower than State Farm, which has a score of 4.2.
The table below shows how Insurify customers rate Liberty Mutual and State Farm for customer service.
Company | Average Score |
|---|---|
| Liberty Mutual | 3.4 |
| State Farm | 4.2 |
Liberty Mutual customers give it an OK rating of 3.3 out of 5 for discounts, but reviews skew negative. Customers feel like the discounts are inconsistent and don’t offer much savings. But some reviewers mention that Liberty Mutual’s bundling discount can offer good savings.
Here’s how Insurify customers feel about Liberty Mutual’s discount offerings.
State Farm has a higher discount availability rating of 3.9 out of 5 compared to Liberty Mutual. In general, customers find the discount availability of both companies underwhelming.
Check out the table below to see how Insurify customers rank the two companies for their discounts.
Company | Average Score |
|---|---|
| Liberty Mutual | 3.3 |
| State Farm | 3.9 |
One of Liberty Mutual’s highest customer ratings is for claims handling. It has a 3.5 out of 5, and customers praise its quick, straightforward claims process. Negative reviews mention that it can be difficult to get in touch with an adjuster and that customers felt like they were left in the dark.
Here are reviews about Liberty Mutual’s claims handling from Insurify customers.
Liberty Mutual lands in the middle for claims handling compared to State Farm. Insurify customers give Liberty Mutual’s claims handling a rating of 3.5 out of 5 and State Farm a 4.1 out of 5.
The table below shows how Liberty Mutual’s claims handling compares to State Farm.
Company | Average Score |
|---|---|
| Liberty Mutual | 3.5 |
| State Farm | 4.1 |
Liberty Mutual customers give it a rating of 3.0 out of 5 for its value for money. Liberty Mutual struggles the most in the value-for-money section, with reviews mostly stating it’s too expensive for what you get in return. But some customers state that the customer service makes the price worth it.
Here’s how real Insurify reviewers feel about Liberty Mutual’s value for the money.
State Farm generally ranks higher than State Farm for value for money. For both companies, customers feel that rate increases take away from the value for the money.
The table below shows how real Insurify reviewers rate Liberty Mutual and State Farm for monetary value.
Company | Average Score |
|---|---|
| Liberty Mutual | 3.0 |
| State Farm | 3.7 |
For policy transparency, Liberty Mutual customers rate the company an OK 3.3 out of 5. Negative reviews focus on issues like non-renewals without explanation and surprise rate hikes. Positive reviewers highlight clear communication from Liberty Mutual representatives.
Here are some reviews about Liberty Mutual’s policy transparency from Insurify customers.
State Farm has higher policy transparency ratings than Liberty Mutual. A common transparency theme for both companies is confusion over rate hikes.
The table below highlights how Liberty Mutual’s policy transparency rating compares to State Farm.
Company | Average Score |
|---|---|
| Liberty Mutual | 3.3 |
| State Farm | 3.8 |
If you’re shopping for insurance, it’s important to compare multiple companies to find the best one for you. Here’s how Liberty Mutual stacks up against its top competitors.
Insurify collects reviews from users on its platform who have successfully compared quotes, as well as users who have purchased a policy through Insurify.
These users complete an optional survey that asks them to review their experience with their current insurance company and rate the company on factors like customer service, claims handling, coverage availability, discounts, policy flexibility, policy transparency, and value for money. These ratings and reviews are then compiled and cleaned by our data team to bring you company-level insights from over 85,000 Insurify users.
Reading customer reviews about a company can help you get a real impression of how it operates. Here’s what over 3,680 Insurify customers are saying about Liberty Mutual.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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Average price $179/mo* | Average price $81/mo* | Average price $114/mo* | Average price $110/mo* | Average price $76/mo* | Average price $140/mo* |
Overall rating | Overall rating | Overall rating | Overall rating | Overall rating | Overall rating |
Value for money | Value for money | Value for money | Value for money | Value for money | Value for money |
Customer service | Customer service | Customer service | Customer service | Customer service | Customer service |
Claims handling | Claims handling | Claims handling | Claims handling | Claims handling | Claims handling |
Special highlight Numerous discountsAI-generated from 1894 user reviews | Special highlight Customer serviceAI-generated from 7246 user reviews | Special highlight Teen driversAI-generated from 7480 user reviews | Special highlight Accident forgivenessAI-generated from 4311 user reviews | Special highlight Members of the military communityAI-generated from 1498 user reviews | Special highlight Usage-based savingsAI-generated from 512 user reviews |
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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