Is Liberty Mutual A Good Insurance Company? Reviews From Over 4,463 Customers

It’s okay, but it’s too expensive.

I've been with this company since 1986 and have had nothing but good experiences.

Claim-free, so there’s not much to report. The driver monitoring system feels invasive to privacy, is inaccurate, and is difficult to use in rural areas.

The down payment is too big.

You should have lowered the cost every year instead of it going up. As the vehicle gets older and the value drops, the coverage should too. Instead, it kept going up. Good for now!

They’re average, like many others. I chose them for lower rates, and that helped for a few months, but then their rates went up too.

It’s okay, but you said you would cancel State Farm and I got a message saying they were going to hold my auto payment. Could you please fix this?

My price went up at renewal.

Great company, but the rates are high for my usage.

I haven’t had any experience with them yet. I chose them because it costs less than what I was paying.

I got the coverage I needed from them.

The cost is too high.

Safeco/Liberty auto insurance has been good in the past, but now they’re joining other companies and charging ridiculous rates. I’m afraid I’ll be shopping around this year.

Great overall.

They’re good, but I’m just paying too much!

Very high rates year after year.

We haven’t had to file any claims yet.

Great company. It’s a little confusing that they’re absorbing Safeco.

Prices too high.

Good experience. No issues.

Great, looking forward to a better price.

In my opinion, Liberty should reward those who go through years without citations or accidents. I understand there are claims, although people like me and my wife should not have to pay for others' mistakes through increased rates.

Good. I am always looking for better deals.

Liberty Mutual is very expensive.

Good except for the raising of prices for no reason.

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

Just shop for the best coverage and rate.

One of only two companies that offer glass coverage! Colorado sands the road in the winter, and you get a lot of pits in your windshield!

My app for my phone doesn’t stay on for them to track my driving.

Certain cities Liberty Mutual will not insure.

It's a great insurance company, but it's expensive for me. The premium is high, and they continue getting higher. My social security is still almost the same.

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

Very reasonable.

The app and web page could use some work. Options included date and amount only.

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.

Service was fine, but I prefer to talk to a person, not a system. The policy premium may not be as competitive as others.

No issues as yet!

At my recent renewal, I was floored when the insurance price dropped over $100, so I signed right up for another year of coverage!

Past experience was good. However, my premium for the next year is more than double the current year. It is unacceptable and I will look for another company.

No problems with insurance, but I'm disappointed that I drive less than 9,000 miles a year on my car, less than 1,000 a year on the 1995 pickup, and have had yet another increase in my monthly premium. No tickets, no claims, I don't live in the city, so there's no increase in the possibility of theft, accident, etc., and still an increase.

It has been friendly and fast if a problem arises.

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

Good claims service but very expensive compared to others.

Expensive but great coverage from Safeco / Liberty Mutual.

My experience has been good.

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

Liberty Mutual has always given us excellent service.

I love Liberty Mutual. They have the best customer service.

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.

Very good service.

Very expensive.

Excellent insurance company, highly recommend.

Cheaper rate.

I never filed a claim, I never had an accident, never a ticket. Prices went up every year. I switched to Geico and saved over $40 a month.

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 premium was expensive.

With car insurance, things have generally been positive. Recent attempts to obtain homeowners insurance were met with dismissal and avoidance. Once the Liberty Mutual rep learned that part of our older home had fuses as part of our electrical system, I was told they could not provide home insurance. They said they would refer me to another agency, but I remained on hold. After a few minutes, the line went dead. This happened twice with two different agents. I pursued a policy with other companies. I am considering dropping my Liberty Mutual auto policy, which I have had for many years and have been happy with. Currently, I have been receiving emails asking me to “finish my quote” for my home insurance policy that they will not issue. Go figure.

Too expensive for seniors.

State Farm is great. Liberty was overpriced.

I wouldn’t recommend it to anyone; it’s too expensive for three vehicles.

Too expensive, even after being a customer for over 50 years.

Not good for one reason. Three months ago, I reviewed my policy and the price was lowered. The next month, it wasn’t lowered, so I called and was told they needed a signature and that I would be reimbursed to the agreed-upon price. I never got reimbursed, and today I received a notice about the payment amount being deducted from my account for next month. Enough is enough—after over five years with no accidents, tickets, or claims, I’m canceling Liberty Mutual and getting insurance with a new company.

Too expensive. They don’t tell you when they’re raising your rate.

Very poor. I’ve contacted Liberty multiple times just to get a detailed copy of my auto policy. All I receive is an email stating what I pay, with no details at all.

No accidents, yet my rate keeps rising.

Way too expensive for a retired widow who doesn’t even drive to work.

All based on greed.

I never filed a claim, so I can’t speak to that. Liberty failed to send my bills and then charged me a late fee. They once added a complete stranger to our auto policy. They also lost a check that I mailed from the post office.

My cars got older, and my rates went up.

I’ve never had to file a claim with them, but at one point they added a teen driver to my policy who I didn’t know and who didn’t live in my home. It took several months of paying triple my normal policy amount to get this corrected. I also find they’re one of the most expensive insurance companies for less coverage, and I’ll be leaving them for a new company.

Well, I’m 66 years old, and they don’t offer a discount for seniors. I’ve been with them for about 6 years and I’m very disappointed. I’m looking for cheaper insurance. They also don’t send my insurance cards in the mail—I’ve asked multiple times and they still don’t send them.

Try to find something more affordable.

Search around for something more affordable.

Look elsewhere. Liberty Mutual costs too much.

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.

Rates are too high, and they raise them every 6 months.

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.

The cost is above average, but filing a claim is good.

Do not use Liberty; they are expensive.

Don't let the fact that they are raising the rate deter you. I've been a professional driver since I was 18 and never had an accident or anything on my record. There should be no reason why I'm paying this rate.

Customize your insurance? I don't think so. I am paying three times more than I should be and am in the process of switching to another agency.

Be sure to read your policy and ask questions to safeguard yourself.

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.

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.

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.

Liberty Mutual is too expensive compared to other options available.

They promised me a 10% discount that never materialized because of a so-called increase across the board. I can't trust them.

You can add windshield replacement, and that is definitely nice.

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.

Shop around for the best prices with the same coverage; they can vary quite a lot.

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

Good coverage but they take advantage of loyal customers. I'm in the process of investigating alternative car and home insurance and expect to save in excess of $1000.

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.

This is the lowest rate I can find, but they need to give discounts for age and a history of no accidents. Insurance companies are just not fair.

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.

Two claims this year. Awful experience with both. Unresponsive claims agents. Extremely slow processing. My car sat at a storage lot for 2 weeks. It took another 3 weeks for my car to be deemed a total loss before I received payment. My husband's claim took 6 weeks before his car was deemed a total loss.

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.

The cost keeps rising.

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.