Is Liberty Mutual A Good Insurance Company? Reviews From Over 4,296 Customers

Call around, do not just accept what one insurance company quotes you.

Phenomenal business. I'm glad you allowed me to jump on board.

Car insurance is fine, but the formula they use to determine the individual cost is bad. I am 82 with no tickets, accidents, or violations of any kind since I started driving at the age of 15. This can be verified. The insurance since 2020 has increased each year, with the current renewal cost of $2,100 and some change for 12 months of full coverage on a 2025 Toyota Tacoma SR 2WD. Obviously, I secured a new insurance company. Thank you for the opportunity to submit this information.

Experience with Liberty Mutual

No issues as yet!

Customer service is good. The price is high, but not as high as other brands.

Liberty is great, and you can pay a year in advance, EXCEPT they keep increasing the price.

I would be happy if the premium hadn’t gone up so much, but I am pleased with the policy.

OK, my rate went up already.

They have great customer service. They communicate well when handling claims. Their premium price for coverage seems to be higher than other companies when running a comparison.

Good company, just think prices are high for repeat customers.

The experience has been great, but it's too expensive.

Simply done very well, friendly, gives you repeat answers for your same questions.

I'm new, but so far it's been a good experience.

The cost is less for car policies, around $200.

Awesome

Liberty Mutual has a lot of good options, but their prices are way too high. I had them for three years, and the price almost doubled on my SUV. I’m 71 years old with no tickets or accidents. I do not drive over (on average) 7 miles a day at most 4 days a week. NEVER had a DUI. For 6 months, my rate is over $2440. Social security only goes so far. That only stretches so far!

Handled a lawsuit quickly and very well. However, prices are way out of line compared to others available.

My home is way undervalued. Even with the renewal policy, the home is undervalued. If my home needed to be replaced, I would not have fared well. With my new homeowner's policy with my new company, I now have more coverage at a lower price.

I have an excellent driving record, but my policy goes up every year and they do not give any discounts for good driving or anything. I drive less than 30 miles per day. None of this matters to them.

Saved us a lot of money. We did give up some coverage by way of considerably higher deductibles, but realized that we have only had a couple of claims on our home in 39 years. Also raised auto deductibles because we are debt-free and can cover it nowadays. Please first scan or download snapshots of your current/former insurance companies, but block out the premium costs to their view, so that they have a clear view of what you have. Then explain what you are willing/wanting to change.

Cheaper. Same coverage.

Positive memorable experience when interacting via phone with their sales agents. I am convinced their cost for my car insurance is very high. Therefore, my tip for a friend would be to diligently shop around and compare quotes from other companies.

Prices on homeowners insurance doubled after refinancing.

Still expensive for full coverage. Hoping to find full coverage with a more reasonable cost.

They are my current car insurance company. How they're able to undercut the rest of the industry competition is still a mystery to me.

Bring the price down. We can get full coverage here for $59 a month, so I would think about that.

Couldn't be a couple of days late with payment without being charged a fee.

Helpful, friendly, knowledgeable.

One thing they did was they started at one quote and then they increased my quote by $16.03 four months later with no explanation. I didn’t appreciate that.

Good except too expensive.

Reasonable rates.

Great prices and affordable.

They have been very helpful. No problem getting them to approve payment for real problems.

Good, but I need a lower payment.

My claim experience was handled by a representative who knew everything and was able to help me no matter what I asked.

Communication has been a bit slow.

Liberty Mutual can be expensive, but they are very good at handling claims and dealing with a lawsuit against me as a result of an accident.

The only thing I am not happy about is the latest price increase. I have an excellent driving record and a credit score of 839.

It's all about coverage vs. cost. Just like their parent company says, "only pay for what you need." I've had my policy for only 14 months, and in that time, my premium has only gone up 6% from my initial quote. Not too bad.

It has been fine. No complaints.

It's hard to say much since I haven't had a claim in years! Car insurance is way too high when you haven't had a claim in over 15 years!

I'm comfortable with the insurance policy.

Make sure they lock in the rate they quote you. Mine was quoted at $775.00, and the next day it was $1,350.00 when I called to buy insurance. If I had not already canceled my old policy, I would not have purchased it, as it was a total false claim to quote $775.00. Their online quote was $285.00, which is why I called an agent!

I haven't had to use it yet and hope I don't have to, but I'm always shopping for cheaper options.

Liberty Insurance Auto Insurance is much more expensive than most others.

I have not had to talk to any agents, no claims.

A minor claim was dealt with expediently. Also well represented by the local office.

Feel free to call Liberty Mutual. Their rate is the best in the business. No one can beat them.

Customer service is great, but the prices are high.

Great customer service.

I haven't interacted with the company since the policy was purchased.

Seems high-priced; do comparison shopping.

Go online and see what Liberty could do for you.

Good quality insurance.

Very user-friendly and a good variety of coverage options.

Too expensive for how little I drive. I'm retired and drive maybe 10 miles a day, 2 days a week.

Keep watching the rates as time goes by. It starts out great to get you on board, but then each year the price goes up until you can't afford it with a Medicare income. That's the reason we are switching this year.

I think they have the best price and are most flexible with their billing. I am extremely satisfied with them.

Fairly quick claims settlement twice in four months.

My car insurance premium has increased dramatically over the past few years, even though I haven’t filed any claims.

Read the fine print and watch out for sudden increases.

I’ve only had this for a year. It’s a six-month policy, and they increased the cost after the first six months. It ended up being what my previous company was charging—no savings.

Pricing has greatly increased recently, but they are not honoring claims for roof damage (hail). We had to pay cash for our new roof, yet they greatly increased our homeowner insurance this year!

I've never needed it. I have a perfect driving record for the past 10 years. I drive less than 8,000 miles a year, and I pay high-rate insurance. I'm looking for cheaper insurance now to get away from Liberty Mutual. It's way too expensive for someone with a perfect driving record, retired, and hardly ever drives. Way too much money.

I had a claim on my home insurance pertaining to the two bad storms we had in March and had trouble getting help with them. Both instances I had leaks that came into the house and garage from the roof. Liberty only gave me a check to cover the bathroom ceiling and not the other four rooms and also the garage. I never made a claim and had Liberty for 35 years.

Liberty Mutual offered $86, but then after hidden fees, they kept saying it was $130. I'm leaving them and going to something way cheaper.

They raised rates after 6 months of coverage. I would not waste time with them again.

I have an offer from another company with more coverage at half the price that I am paying you.

They are not consistent on price.

Good but too expensive.

The rate is too high. The Safe Driving program is not accurate.

They tried to charge me over $400 for a truck. I switched to a company that is covering the same truck for $120.

Liberty Mutual is too expensive. I've been looking around for another insurance and saw a lot of cheaper ones. I will be choosing another insurance that is cheaper.

They are the worst. They send threatening emails every month, even when the payment due date is in the middle of the month. They start sending these emails at the beginning of the month. When called, they say they are working on it, but it's been three years and nothing is fixed. Due to their negligence, they continue to send threatening emails. Sometimes their bill is received late, but still, customers are threatened with policy cancellation or revocation. Not a good vendor. No one should go through this trauma every month. They lack appreciation and thankfulness. Not worth it. I would not recommend them to anyone. I also recently found that their premiums are too high, and the same coverage could be obtained at a lower rate.

Liberty Mutual raises rates every month. On a fixed income, no one can handle that.

Unable to communicate with them. I received a ticket for no insurance because I couldn't call, only online.

I had to remove a driver from my policy. Despite having no accidents, tickets, or claims, they raised my rate by 250% because they could. I'm shopping for new insurance now.

Same exact coverage as I had but for a significantly lower cost than Liberty Mutual.

They don't send out insurance cards. They are cheaper than State Farm, but I had a hard time getting them to pay claims. Their towing companies are not reliable. I broke down 6 blocks from my house and it took 7 hours to get my car towed back home. I had to walk home in the rain with a walker. I'm disabled.

Liberty Mutual raised my insurance every 6 months because they said the cost of parts went up. I had no accidents or tickets for them to keep doing that. I really wouldn’t recommend them to anyone.

I would not recommend it. The tracking discount software on my mobile phone makes me uncomfortable due to potential risks like stalking, home invasion, robbery, and other activities that may harm someone living alone. The demand to constantly communicate with their system is bothersome. The Progressive app for this benefit was present but less intrusive. However, this Liberty Mutual app is more demanding than necessary.

Rates have gotten too high considering our record with them over the last 28 years.

Liability insurance on my Tahoe is more than full coverage was just 4 years ago, without any accidents, traffic tickets, or anything!

Geico made the transfer smooth and easy. The rate was actually good too.

The car insurance rates for those over 65 are very high. I am 71, and they want $2,300 a year for basic coverage and $1,750 more with collision. I haven't had any tickets for 25 years and no claims in 40 years.

Not good. They increase the price every year. No claims have ever been filed in 15 years, yet they keep increasing rates on home insurance and car insurance.

Not a good experience because they sent a letter saying my policy would be canceled on March 6th due to an unsigned form. I have no idea how that happened. I didn't waste time trying to correct the situation when it was easier to get insurance from another company.

Service was through the internet, so there was no real customer service experience. The price just kept increasing. I knew I was paying way too much, so I canceled my policy.

Expensive and they took away the ability to change coverage in the app.

It's almost impossible to talk to a real person there. The prices of their insurance are high.

The rate has more than doubled in the last year and a half.

Shop around. If you have a good driving record, you can save money.

The roadside assistance employees were awful, and my insurance rates went up, so I switched and saved a lot of money.

Overpriced insurance and raised rates for no reason.

Liberty advertises that you pay only for what you want. My wife has dementia and cannot drive. She is on my policy, and they have told me because she was listed, she would have to remain, and I have to pay for that.

I wish the price of insurance was more reasonable. The cost is very high and it seems to increase every year, no matter if you have no claims, a perfect driving record, or drive a minimal amount.

Policies increased by $700 to $1000 per year for bundled Home, Auto, and Umbrella over 3 years with no claims, accidents, or tickets. If you are currently insured with them, start shopping!

Far too expensive compared to others.

I've been telling friends and coworkers that Liberty Mutual is terrible. I've been loyal for thirty years, have a clean record, and they wouldn’t match or lower my auto insurance. Oh, and my credit is excellent.

Liberty Mutual will give you all the perks of being a name-brand car insurance company, similar to their competitors like Geico and Progressive. You'll get a reliable policy, but with that, you will have to pay the price of having a big-name company backing you. As far as customer service, it just depends on the day, but if I could recommend one thing, keep claims simple and try to be as direct with the agent as possible. The ones I've experienced didn't seem to have much patience.

Good to work with at first, but then they kept raising their prices every year.

Get insurance where you can decide how much coverage you want. I have two cars: an 11-year-old car and a 2023 model. I wanted minimum coverage for the 11-year-old car and full coverage for the 2023. But Liberty did not let me decide for my 11-year-old car. They had their rules set for their benefit.

It's too expensive, and policies should be reviewed annually to find lower rates that benefit the customer!

I was very disappointed in Liberty Mutual last year. They repeatedly added my son to my policy, which raised my rates. I went through the proper paperwork to have him removed and was always told it wouldn’t happen again. It happened five times. The last time, I was told that to remove him, they would need to rewrite my policy, which would raise my rates as I had been grandfathered into my existing rate. This is why I canceled.

Rates keep going up too much. I must shop to find lower rates.

Do not insure with Liberty. They constantly change your rates even though you don’t change the coverage. If you have a claim, they don’t want to pay you. They tell you to get whatever tools you need and fix the product yourself. I’m 70 years old and have multiple sclerosis. My claim adjuster told me to go get some tools and fix the air conditioner myself. When I told him how old I was and that I had multiple sclerosis, he said I better hurry up and get it done because it was summertime and very hot. I had an eight-month-old roof that had hail damage and needed to be completely replaced, as well as guttering and an air conditioner, among other items. They wanted to give me $3,800. It took me five months and hundreds of hours of texting and phone calls. I finally had to call the Oklahoma insurance commission and get them involved, as well as the district attorney’s office. I did end up with a little more money, about $5,000, but I had to get a relative to come and put the roof on because the amount of money didn’t even cover all the materials I needed. Before I got the insurance commission involved, my adjuster told me they were through with me, and when I would call, my phone number would route to an answering machine that said to text this number. I would text, and nobody would call me back. It was a nightmare and so stressful. I wasn’t even sure I was going to make it through it, but I did, and now I’m shopping for new insurance.

My experience with Liberty Mutual is mostly good. I like the flexibility of being able to pay and find my forms online. I didn’t find auto glass replacement to be easy with Liberty Mutual. The company they recommended didn’t have our windshield, so I had to find another company myself. I wish the original prices they quoted me did not go up so much. Each year, the price increases beyond what I’m happy with. That being said, when I price other companies, there are none that are cheaper. So I’m staying with Liberty Mutual.

Too expensive for retired people.

While Liberty saved me a lot initially, after a year of being with them, the homeowners rate was great. Auto, on the other hand, was more expensive than what I just changed to. Apples to apples. Shop.

Liberty Mutual used to be a good company. But since the pandemic, that has changed dramatically. There are no more agents or local outlets to visit. Websites are the only way to interact, and they won't do what is actually needed. Prices are increased every year needlessly, no matter what. I'm pretty tired of them and gave up being a customer after 43 years with them.

I have been a customer for over 5 years. In that time, my premiums have increased by 50% with no claims, accidents, tickets, or other negative events. When I inquired about the increase, they said they did so "because they could." I'm currently seeking a more reputable provider.

I was way overcharged for the minimum, and it was about to be raised again. $135.00 a month for a 20-year-old vehicle with no accidents or tickets is ridiculous.

Liberty Mutual is my current insurance provider, and their rates are incredibly high compared to other companies I've looked into. I feel like I'm overpaying for the coverage I receive.

Even though I have no claims on my policy with them, they have more than doubled my premiums. This is unnecessary and unfair!

Way too expensive for 3 vehicles, 2 of which aren't driven at all. They also withdraw from my account at different times, causing overdrafts.

Try your best to stay away from Liberty Mutual—there’s no flexibility, and they don’t respond to questions about rates. They also seem very non-consumer-oriented.

Liberty Mutual has become very expensive, so make sure you’re getting your money’s worth.

Very poor communication. Everything is done online. No agent to sit down and talk with. Everyone you do talk to gives you different information. In order to get a discount, you have to sign up for them to track your mileage for 90 days, and they can change your premiums. Would not suggest them to anyone.

Prices are still too high.