Is Liberty Mutual A Good Insurance Company? Reviews From Over 4,492 Customers

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.

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!

Reasonable and adequate.

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.

They gave value for my money.

It is good. Though when signing up for new insurance products, it would be nice for the agent to focus on one product at a time.

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.

Excellent customer service.

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.

So far, so good. The cheapest but for great quality insurance.

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.

Cheapest insurance I could find that didn’t require dealing directly with an agent. It went against industry practices and only raised my rates by 3% per policy period.

Reasonable rates.

Great prices and affordable.

Good, but I need a lower payment.

Communication has been a bit slow.

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.

Great online experience!

Be pleasant and polite with the representative, but clearly express what you need to maintain your relationship with the insurance company. Explain your personal needs and obstacles in a very direct manner, but never use an attack approach. You want the representative to want to work with you to successfully come to an agreement regarding your policy.

Low rates and easy to work with.

So far, so good. I haven't had the policy for that long.

They were the least expensive and always ready to answer questions.

Excellent insurance and great customer service.

Just the same as any insurer: Keep after them for renewal quotes that are competitive.

Liberty is very straightforward. The buying process is easy.

Good value, customer service needs improvement.

Good company, but like all, after you have been with them for a few years they raise costs substantially, even if your driving record has been perfect.

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.

The insurance costs too much even though it’s in my mother’s name and she’s 84 years old. I pay the insurance ($170 a month) and the car is with me because I paid for it in the beginning when we got it. In Jesus' name, Amen!

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.

Shop your insurance annually. Liberty Mutual raised my rates 3 years in a row with no claims, tickets, or anything. Combined bundle increases are over $1K for each of the 3 years.

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.

My policy renewal is in May. I took off my one vehicle in August and put the same vehicle back on in November. Oliva told me inflation caused them to raise my policy from $381 in July up to $410 in November. Same vehicle, nothing changed. Liberty Mutual/Safeco.

Liberty kept raising rates with no discussion until I was paying nearly $300 per month for one car and no accidents.

The cost of my policy has increased significantly from last year and nothing has changed except my age. Is this the reason for the increase?

Not happy with Liberty Mutual; they raised my rates four times for no definitive reason.

I have recently done a cost comparison and found that I have massively overpaid for coverage from Liberty Mutual.

The rates were way too high for what I was getting.

Way too much hassle getting started. I just got an email for $87 a month for the same coverage.

After I turned 65, my insurance went up 125%. It went from $860 a year to $2400 a year for no reason.

Expensive, currently shopping for better pricing.

They raise the rates over time. There are no loyalty discounts. I spent 3 years with them, and my monthly payment has tripled even though I've had no accidents or tickets. I will be leaving this company soon.

Try someone else. The quote went from $203 for 6 months to $913. I changed from a 2007 Solstice to a 2012 Jeep Liberty, so they must not like Jeeps.

Don't have any accidents, no matter how minor. They cave under the slightest threat from ambulance chasers, settle without questions, and then increase your rates.

LM charges existing loyal customers more than new ones.

They are consistently raising prices. No expenditures. No claims.

When my husband passed away last December, I called Liberty Mutual to inform them. The agent was curt and told me I would save $58.

I asked for my old policy to be canceled effective yesterday, 10/20/25, due to a new Liberty Mutual policy now in force. Changes were made and reflected in the new auto policy to account for reduced mileage due to less driving as a result of recent retirement. I am awaiting a response regarding the cancellation of the old policy and the credit due to me. I notified Liberty Mutual this week via email on their website.

Shop around as Liberty Mutual is expensive, even after being a customer for several years.

Look elsewhere; they give you high deductibles and you still pay twice as much.

I have no complaints. I have not had any claims. They collect my money even though we have no tickets or accidents. I wish they had a senior discount.

In the beginning, Liberty Mutual was a good company, but in the last few years, when I had my first claim, they have been very difficult to deal with and not supportive during disasters that you have not caused.

The premium was raised to just under $300 a month for a 2019 Chrysler Pacifica. I'm not happy at this moment.

They are trying to charge me outrageous rates with an increase this year of 22%.

After one year, the market value of my car has decreased, so I expected the price for the new year's insurance to be cheaper. However, the price of the next insurance has increased.

They increase the premium significantly, even with no claims.

I am very upset that when we added a third vehicle, and each vehicle was given a separate policy rate, an additional $1100 annually was added to our policy just because we had three vehicles. We removed the third vehicle three weeks later, and the $1100 increase remained.

Far too expensive for a retired woman on Medicare with them. I can only afford liability.