Is Liberty Mutual A Good Insurance Company? Reviews From Over 3,680 Customers

It was good until COVID. The prices really went up.

Liberty Mutual has been everything I could ask for in an insurance company. They responded instantly to the few issues we've had and resolved them completely. We are very satisfied!

Don't make a claim or your bill will rise.

I liked their rates. However, I was not happy when they switched me to SafeCo. SafeCo raised my monthly payment by $30!

I have nothing bad to say about Liberty Mutual. I was just looking for cheaper policies.

Everything is fine except I'm frustrated with paying more every year even though I never file a claim or get any tickets. What's going on?

I didn't have any problems with Liberty Mutual. However, they wouldn't maintain the insurance at a price I could afford.

They are knowledgeable, but I am looking for a cheaper company.

They have consistently provided me with the lowest car insurance rates.

It's good, but I'm looking for less expensive policies.

They are okay. I've never had to use them for anything, except I find their prices to be too high.

Outstanding service from the agent. He kept in touch and checked on me. I would renew with him.

I had to change my credit card details for auto payment online. The process went smoothly.

I've had no problems since I got it.

My past and present experience with Liberty Mutual has been exceptional. It's easy to make or change payments.

Good service, but I found lower rates for the same coverage

It's a good company, but the price is too high.

Be prepared for your policy payments to jump to almost a car payment!

Be cautious of rate increases and an inability to compromise.

I have been with Liberty for years. They are cheaper than all the other companies that have given me a quote.

I paid the renewal fee of $846, but I couldn't sign in online for my policy.

I feel the price is too high.

I have had no issues.

I don't have a problem with them except I think their rates are high.

I appreciate Liberty, but I struggle to reach a real person to answer my questions and explain the insurance details I don't understand. I've completed the AARP Driving Course online and, unfortunately, my husband has passed away. I'm hoping Liberty will offer me a favorable renewal rate for 2025. I have good credit, no tickets or accidents. I'm only seeking the basic Florida required coverage for my car, and perhaps even a senior citizen discount. Thank you.

It's so good.

They are too expensive for me.

I've never had an issue. I'm always looking to lower my monthly payments because I'm on a fixed income. That's why I've been considering Liberty Mutual; they calculate premiums for 12 months, not 6. This way, I know what my cost is for the year and I don't have to worry about it changing every six months.

It's almost impossible to navigate through their automated system in order to talk to someone when you have any questions. It's very time consuming and frustrating!

The experience of reaching out was the worst ever. It took me almost an hour to actually speak to a person. The chat on the app was absolutely ridiculously unhelpful. However, when I did finally reach a person to talk to, she was wonderful. She was patient and took very good care of me. Her name was Nanoya. She was clear and understandable, and she did her best for my current needs. She also calmed me down as I was so frustrated after 40 minutes of trying to reach someone. Again, Nanoya was amazing.

They are expensive. We are low mileage drivers with three cars, and only my wife and I are driving.

It's expensive. I drive less than 3,000 miles per year, and I have no tickets or DUIs.

They are okay, except they are too expensive.

Price, Price, Price

They increase my premium every 12 months. I don't like that.

Ensure that your contractor and the claims adjuster meet at your home simultaneously.

They are always available and ready to help.

There is a language barrier with Customer Service.

Honestly, there's a language barrier with Customer Service.

They have always been there for me.

Excellent service.

I was very satisfied with the company until my rates kept going up.

The associate I talked to was so nice and helpful!

It's good for the first year, but I wouldn't recommend it after that as the price doubles.

I've had Liberty Mutual since 1966. My impression is that their rates are too high. I'm currently looking for other options because they are no longer offering umbrella coverage.

It's great, but it's too expensive for me. I need something cheaper.

The claims department is top notch.

The price jumped up.

The service was great, but the policy increase for the third vehicle was a bit too expensive.

The coverage is good, but the price is higher than I'd like. I could afford two insurance policies for the price I pay. That's the reason I need to switch. I love the company, but I hate the price.

The customer service was good. However, I just couldn't afford the premium.

The rate was good at first. However, after the vehicle was paid off, the insurance rate increased. Customer service stated that nothing could be done as the parts for my car are expensive.

I have nothing bad to say about Liberty Mutual. The reason I need new insurance is because I messed up and couldn't pay my bill.

They were very quick to resolve the accident, and to my satisfaction.

They are good, but I feel they should check and see if there are any discounts they can give. They should check up on their customers every three months.

I feel so comfortable with your service.

It's been not bad over the years.

Be careful, they might increase the price like they did to me. It started at $155 and now, after 40 months, it's up to $265.58. I have no tickets or accidents on my driving record.

They have provided us with good coverage, but we have transitioned from having two vehicles on the road every day to one vehicle that sits in the garage five out of six days a week, all for the same premium. This doesn't seem right.

I really like Liberty for our car insurance. It's easy to use and they provide help when we need it. However, even though we are both careful and mature drivers, and Greta has never had a speeding ticket, our rates just keep increasing!

Started off with a good rate, but they have increased my insurance. I now pay over $800 every 6 months with no tickets and no accidents. I am looking for a better rate, but so far I haven’t found one.

They push you to go paperless, which makes it hard to make changes to your address. The homeowner's policy lapsed a year after we moved out, and they claim we still owe the premium because they didn't cancel until I notified them that our mortgage provider paid the premium annually. Their customer service in this regard lacks.

They gave me a huge increase in my monthly rate. I have no tickets or accidents. They said they're doing this across the board.

Huge premium increase this year. I am switching and saving $400 on homeowners, and the monthly premium on auto went from $217.00 to $122.00 with higher liability limits.

Fair... They raised rates every year, making it way too expensive.

They added an add-on to the wrong vehicle, and the price increased after a couple of years.

The rates are expensive. They went up by several hundreds for no apparent reason during policy renewal.

I have been a customer for at least 7 years and have 2 home policies and 2 auto policies, with over 5 vehicles that have super low or no mileage/usage. Despite having no accidents, tickets, or claims, my prices increase every year. Guaranteed!

The price is too high.

The prices seem high.

My rate doubled after the first year even though there were no changes to my record.

Just a tip, your insurance prices are very high.

Someone hit my car and they convinced me to pay the deductible to fix my car. They promised they would recoup my money from the other person's insurance. However, after a week of me paying, they decided they weren't going to pursue it any further.

Liberty Mutual lacks follow-up or even occasional check-ins. They won't work with you to lower your monthly payment. I will never use their services again and I'm planning to switch companies.

I would not recommend this company to anyone. They made a mistake on a policy and input the wrong VIN number. They would not take responsibility for it. I received a ticket stating my car was not insured and had to go to court. The case was dropped, but I had to pay the fees. The company claimed it was my fault. Their customer relations are very poor.

The price keeps increasing.

Accidents are not accurately described. My truck insurance is too high considering I haven't used it since 2018 and it only has 16700 miles on it.

They keep raising rates by 25% per year despite my clean driving record. I've been with them for over 7 years.

I had a good experience as long as they were the company my union was working with. When they stopped, my payment doubled and I have not been able to find out why.

The rates increase every year and are too high.

The price doubled at once. I paid for the towing option, but they would call companies over an hour away when there were options in town.

Liberty Mutual is too expensive. They increased my insurance rates without notifying me.

The only thing they seem to want is your money. If you, unfortunately, need to use your insurance, they seem to get upset. I wouldn't recommend using them, as rates start low but increase every year.

I participated in their 'drive for a month' program. However, while going downhill from the interstate, I had to stop abruptly at a railroad crossing. My phone, which was monitoring my driving, went airborne. They penalized me for this, which I believe is unfair.

The service is poor. They don't offer any loyalty rewards.

It's very pricey, especially after the initial discount.

Overpriced.

The price is outrageous. They increase it every year. They wanted me to pay 500 dollars a month. I switched to a different company and am now paying only 117 dollars a month. It felt like a massive scam.

They charge way too much for seniors with clean records! They are overpriced, but no one else is any better. I have to have insurance to be able to drive around the worst drivers in Portland and I am tired of being overcharged, I am a professional driver!

I have had to replace two windshields over time and they were fine for that. However, trying to reach an agent is a joke. I want a conversation, not computer jargon.

Customer service lacks good communication. They behave as if they are doing the clients a favor.

It's too expensive for people who are on Social Security.

Liberty Mutual advertises flexibility, but I found other companies to be better. For instance, Liberty Mutual insisted on a 1% threshold for wind damage, whereas Allstate offered me a fixed deductible that was less than half as high. Additionally, my Allstate car/home premium is about half as much as what Liberty was charging. I had a pleasant agent with Liberty, but I also like my new Allstate agent, and I'm saving over $600 a month. My house recently appraised for $550,000. Despite my objections, Liberty required a $1,350,000 replacement value, while Allstate allowed $835,000. I had a wind loss of about $10,000. Even after having the policy for 20 years, Liberty paid nothing due to the 1% threshold ($13,500). Under my new policy, Allstate would have paid $5000. With double the cost, unreasonable home valuation, excessive wind loss deductible, and no payment on the only loss I ever had, I finally decided to switch. Consumer Reports also gave Liberty a low rating.

It's way too expensive!

It took a long time to reach a real person on the phone, and I received different information over the course of four different phone calls when I tried to get a binder for a new car. This prompted me to change my car insurance. Progressive's rates were significantly better, and they answered with real people much quicker when I called.

The pricing is terrible. It's not competitive, especially for a long-term customer like me who has been with them for 13 years.

Consider looking elsewhere. I removed a truck and my husband from my policy, and they raised my rate instead of lowering it. I haven't had an accident or ticket in 58 years! Not even one!

When my husband passed away, they raised my rates.

The prices are too high. It's hard to make changes.

Expensive.

Too expensive.

They weren't much help in lowering my price. As a matter of fact, it has gone up.

Our car was parked when someone hit it. The other party was deemed to be at fault, yet Liberty still wanted us to pay our deductible.

This is the worst insurance company to work with when filing claims.

I filed a claim to get my splash plate repaired. Despite having only one speeding ticket in 20 years, they are charging me $52.00 per month for liability coverage. However, they are not charging me as much as Farmer's, Progressive, and Allstate wanted for the same coverage.

They have raised my rates twice in the past two years through no fault of my own. I have no claims, no tickets, I'm a better driver than most drivers.

My LM quote for 2025-6 is $1224, which is significantly larger than it was for 2024-5. We don't have collision coverage and drive less than 10,000 miles per year for two vehicles.

Steady increases.

I would advise caution due to my personal experience of being expelled from Liberty Mutual insurance for reasons that were not made clear to me.

I had one accident in 60 years, with no DWI or speeding ticket. Yet, Liberty raised my premium. Moreover, they don't have a single adjuster in the 13662 area.

I feel that their costs are extremely high. They renew policies without offering discounts and the price has increased by $80 since the last renewal. It's too much money!

It's not really good. There are too many increases and the health insurance consistently has to be sent even though I have had the same job and vehicle for many years. Unexpected charges put me too far behind.

It could have been better. Instead of letting me leave, you could have lowered my rates instead of hiking them up. It seems loyal customers are not appreciated.

Liberty raises rates every six months without any explanation, even though the miles driven goes down.

They are too expensive.

If you have a home policy claim, they only pay out the minimum and drag the process out. I've never had an auto claim, so I can't speak on that. I would bypass them.

The insurance is too high and overpriced for bare minimum coverage. Then, they increase your coverage without your knowledge.

We've been paying for four years without making any claims or having any accidents, yet the prices keep rising.

Keep looking for cheaper rates. I thought I was getting full coverage for the rate I'm paying. Then, after almost a year, I found out I only have collision coverage. Now, I'm afraid to drive. I also found the same coverage with other agencies for 40% less.

Their service is good, but I feel the price is too high.