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3+ years in insurance content
Host of Insurify‘s podcast “No Dumb Questions“
Sara has been an associate editor at Insurify since 2022. She co-launched Insurify‘s podcast “No Dumb Questions“ in 2025.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Updated
Category | Average Score |
|---|---|
| Overall experience rating | 3.6 |
| Customer service | 3.6 |
| Value | 3.2 |
| Claims handling | 3.7 |
| Coverage options | 3.7 |
| Discounts | 3.5 |
| Policy transparency | 3.5 |
| Policy flexibility | 3.6 |
Liberty Mutual overall user rating: 3.6 out of 5
Insurify Quality (IQ) Score for Liberty Mutual: 8.4 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 8.4/10. 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 3.6 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.
Overall, Liberty Mutual’s customer service score of 3.6 out of 5 trails slightly behind its competitors, State Farm and GEICO.
Liberty Mutual customers have a good experience when problems are straightforward. But overall, customers prefer the customer service of GEICO and State Farm.
See how Liberty Mutual compares against its competitors for customer service below.
Company | Average Score |
|---|---|
| Liberty Mutual | 3.6 |
| GEICO | 4.3 |
| State Farm | 4.4 |
Liberty Mutual customers give it an OK rating of 3.5 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.
When it comes to discounts, Liberty Mutual’s score of 3.5 out of 5 is lower than both GEICO and State Farm. Customers mention frustrations with all three companies’ discount offerings and note that discounts often don’t help enough with rates.
The table below shows how customers rate Liberty Mutual for its discount offerings in comparison to GEICO and State Farm.
Company | Average Score |
|---|---|
| Liberty Mutual | 3.5 |
| GEICO | 4.0 |
| State Farm | 4.0 |
One of Liberty Mutual’s highest customer ratings is for claims handling. It has a 3.7 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.
Although Liberty Mutual scores lower than GEICO and State Farm for claims handling, earning a 3.7 out of 5, it is one of Liberty Mutual’s highest scores. GEICO and State Farm earn higher scores of 4.2 and 4.2 out of 5, respectively.
See how these three companies’ claims handling compares in the table below.
Company | Average Score |
|---|---|
| Liberty Mutual | 3.7 |
| GEICO | 4.2 |
| State Farm | 4.2 |
Liberty Mutual customers give it a rating of 3.2 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.
When compared to GEICO and State Farm, Liberty Mutual customers give it a lower rating of 3.2 out of 5 for value for money. Liberty Mutual customers consistently mention high rates and lackluster discounts as reasons why the company doesn’t have great value for the money.
Below you can see how Liberty Mutual compares to GEICO and State Farm for value for money.
Company | Average Score |
|---|---|
| Liberty Mutual | 3.2 |
| GEICO | 4.0 |
| State Farm | 3.9 |
For policy transparency, Liberty Mutual customers rate the company an OK 3.5 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.
Liberty Mutual’s policy transparency score of 3.5 out of 5 is lower than both GEICO’s and State Farm’s. Liberty Mutual customers mention feeling caught off guard by price changes and discount eligibility.
Here’s how Liberty Mutual compares to State Farm and GEICO for policy transparency.
Company | Average Score |
|---|---|
| Liberty Mutual | 3.5 |
| GEICO | 4.1 |
| State Farm | 4.0 |
Reading customer reviews about a company can help you get a real impression of how it operates. Here’s what over 4,492 Insurify customers are saying about Liberty Mutual.
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: GEICO, State Farm, and Travelers.
 |  |  |  |  |  |
|---|---|---|---|---|---|
Average price $169/mo* | Average price $79/mo* | Average price $111/mo* | Average price $145/mo* | Average price $78/mo* | Average price N/A |
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 4492 user reviews | Special highlight Customer serviceAI-generated from 21628 user reviews | Special highlight Teen driversAI-generated from 21274 user reviews | Special highlight Numerous discountsAI-generated from 1848 user reviews | Special highlight Members of the military communityAI-generated from 4390 user reviews | Special highlight Usage-based savingsAI-generated from 1000 user reviews |
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.
3+ years in insurance content
Host of Insurify‘s podcast “No Dumb Questions“
Sara has been an associate editor at Insurify since 2022. She co-launched Insurify‘s podcast “No Dumb Questions“ in 2025.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.