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

I like it.

Liberty Mutual is pretty good.

Good, no-frills car insurance.

It's cheaper than 90% of the competition!

The payments are quite high.

Great service! Terrific people!

Please ensure to inform us immediately if someone cancels, instead of waiting for an entire month. This happened last year in November.

Very positive.

I received some incorrect information from an agent about a week ago, but Tammy corrected it for me today.

Initially, the prices were great. They promised that with each accident-free and ticket-free year, my insurance rates would decrease. However, with every renewal, they've gone up. When I questioned this, they simply said that insurance rates had increased.

Liberty Mutual personnel are user-friendly and patient whenever I talk to them. However, I dislike the practice of sending letters stating that they use a third party to monitor the number of miles I drive to determine the rate increase. Who is this anonymous third party that secretly monitors the number of miles I drive? It seems devious.

It's less expensive than all comparisons.

Excellent, although I'm not too happy about the cost.

They offer the best rates.

They started out with a fairly reasonable rate, but in just over a year, my monthly rate rose by over $20 per month. State Farm did the same thing.

Always ask for additional details.

Overly expensive.

They have been fair since 1991.

They provide very good insurance, and their road services are great when needed. I was hoping for a lower rate because I have no DUIs, accidents, or tickets in over 30 years, and I drive less than 50 miles a day.

I'm satisfied with Liberty Mutual.

My overall experience with Liberty Mutual has been very good. My only issue is that the cost is too high.

The prices have become too high.

Knowledgeable, friendly, and fast.

We never had a claim with Liberty Mutual, so it's hard to say much about their level of service or responsiveness.

Everything is good except for the rate increase this year.

Everything was great until the rate went up 30% after the first year

As long as you're technically savvy, you won't have any problems. Once you speak with a representative, I'd give them a 90 out of 100. Most were very knowledgeable and friendly.

I absolutely loved my experience with Liberty Mutual. I was a customer for 20 years and had 3 policies with them. Unfortunately, I missed my annual payment. I was out of town and not checking email during the reminder period. For some reason, it was not on autopay, and they canceled my policy. Because they're not doing new business in CA, they refused to reinstate it. Despite my stellar driving record, loyalty, and longevity with the company, it was devastating. It was a mistake on my part -- I'm not sure what happened, but our relationship is now severed. They lost my business and don't seem to care...

I was really impressed with them at first, but when renewal time came, they raised the rate by over $500. I'm going to have to switch to Allstate, as they offer the same coverage for a much cheaper price.

Quick and fair handling of claims, but premiums are higher than average, as I recently found out.

Liberty Mutual is a great company. They handled my claims quickly, both for homeowners after a hurricane and auto when an uninsured driver ran into my car.

It's fine, but too expensive.

I can't say anything against them. I have been with them for 6 years now.

Excellent.

Best of the best.

It's expensive.

It's a good company, but I'm looking for better rates.

They are good. I just don't like my premium going up because of other bad drivers.

This is the best value for your dollar. They are always helpful if you need assistance.

I have never filed a claim and I have not encountered any problems.

I would tell them that when I call, I get someone at an 800 number, so the person is not local. For some reason, I don't like this, but I can't exactly explain why. I have been with Liberty Mutual since 1999. I used to have a good rapport with my insurance agent, but not anymore. I don't even think I have an assigned insurance agent anymore, so I don't feel that connection. I keep hearing and seeing advertisements about a discount if you drive your car less than 50 miles a day. As a recent widow with a single fixed income, I need to cut some expenses. I plan to contact Liberty Mutual before I make a change to see if they can match a lower insurance cost for combined auto and home policies.

I was very pleased with Liberty Mutual during the first few years and would recommend people to them. However, I am now uncertain due to their consistently rising rates. Maintaining car insurance is becoming challenging.

The rates started out good but increased by over 400 dollars in a year and are still going up.

They do not offer monthly billing.

The car insurance rates are excellent, but their homeowners insurance was awful. So, I decided it was cheaper to stay with my other company instead of doing a combined policy.

It's unbelievable how expensive car insurance companies have become. As I age, it seems increasingly difficult to find an affordable rate.

Great.

The service is good, plus the price is the best in the industry!

The service is good, but the premiums are higher than I can afford.

I removed a car from my policy, but the price didn't go down.

We shouldn't have to pay higher premiums on our home because we live in Texas. They're a good company and I've never had any issues with them, but I absolutely cannot afford their pricing this year. Being on a fixed income doesn't allow for these kinds of increases.

Good, friendly people and service, knowledgeable employees.

I haven't really had to use my insurance or my roadside assistance. I haven't had any accidents or any tickets, yet they keep raising my insurance every time I try to renew. So, I'm looking for something more affordable. I'm a senior on a fixed income and I can't keep affording these price increases.

They are excellent, just checking options.

It's a good company, just too expensive.

The price is too high.

The service is excellent, but it's expensive.

There was a huge increase in rates, which is why I switched.

I never had a claim. I left them due to the price. Besides that, they were fine.

Excellent company.

The price keeps increasing even though I have no violations.

The company does not offer any customer loyalty programs or discounts.

My experience has been horrible and I'm now looking for cheaper insurance. I was told at one point that the reason my insurance went up was because of Covid. I fail to understand what that has to do with car insurance. Another time, I was told that my car wasn't kept in the garage, which is untrue. I've been very disappointed with the entire experience, especially considering your advertisements that claim 'you get what you pay for'. Despite never having to use my insurance, my rates keep going up. I'm on a limited income and these constant insurance raises are hard to handle. What happens to other people shouldn't affect my rates. If I don't use my insurance, I should get discounts. I'm honestly tired of this.

After checking other companies, I saved almost $100. And that was per month. I definitely switched.

Check the prices of all companies.

When it comes down to money, for someone who seldom or never uses their car insurance, it needs to be inexpensive.

The prices are high. I'm trying to find a better deal. They should offer a discount to their customers.

I filed a claim for a robbery and was given inaccurate critical information on the amount of time I had to file a claim. The claim was reassigned to four different adjusters. Approximately $10k in property was stolen. I had $35k in replacement coverage and received only $1.7k.

The agent was distant and impersonal. The clerks did all the work.

Their rates are too high.

I haven't had any accidents or incidents, yet my policy is getting more expensive. I am a safe driver.

It was too expensive.

Try other insurers. Liberty Mutual keeps raising their rates without any explanation or reason, and in the middle of the policy period!

I had a terrible experience with Liberty Mutual. Despite never having been involved in a car accident, they claimed that I had. When I followed up on this false accusation, Liberty Mutual increased my insurance premium and withdrew money from my bank account without my authorization. I demand my flawless record to be restored immediately.

I was accused of hitting a car, but no claim was filed and no damage was done. I initiated a new claim because I thought the accuser was going to. However, I did not hit his car and tried to figure out how I was accused. There was no dent, no claim on the accuser's part because nothing happened. Despite this, Liberty Mutual stated that I hit a car, which I did not, and raised my insurance, tarnishing my perfect driving record. I was never informed about my insurance increase and had I been, I would never have renewed it. Liberty Mutual took money out of my bank without authorization. I have filed a claim with the state. I am not satisfied with Liberty Mutual.

There's no appreciation for returning customers. The price is constantly increasing despite having no claims. If the rates go up in the next six months, which I believe they will, I'll switch.

They don't give you any discounts.

Steer clear of this company. They continue to raise rates regardless of how safe a driver you are.

The rates have been continually increasing, almost doubling in two years despite having no claims, DUIs, or tickets.

They tend to favor the other party instead of their policyholder. I will never return to this company.

Overpriced. Extremely so.

The price doubled in one year! I couldn't get them to explain why the price doubled. I won't be using their services again!

They're just too expensive. It took them two weeks to approve my policy. When I switched to Progressive, it only took a few minutes.

Watch out for the price increases.

It has become very pricey.

They lure you in with a low rate, only to increase the policy by $50 per year.

There are large rate increases every year, despite having a clean record and making on-time payments.

Make sure they go over every option and explain how it works for coverage!

I've been a customer for over 21 years. After moving to a different state and buying a house, I tried to update my address. I was told they were no longer insuring policies in Connecticut. About a month later, I received a notice stating that a new policy was denied due to my credit situation. This was directly related to the inquiries on my credit report from my mortgage application. When I called them to ask why they misled me about the reason for denial, I was again told they are no longer insuring policies in Connecticut. Today, I received another notice from them regarding the denial of another insurance policy inquiry. I never asked for them to run my information for another policy, but now there's another inquiry on my credit report. I'm extremely frustrated with a company I was loyal to for so long.

Their price increase seemed unjustified.

Liberty Mutual is an accessible, reputable, and flexible insurance company. They are a good choice for immediate coverage, but their premiums just keep increasing. Despite not having a moving violation or accident in over 30 years, I feel that I could get rates substantially lower than the over $80 per month I am currently paying for state minimum coverage with roadside assistance. (Note: I have not been with Liberty Mutual for all 30 years.)

It's too expensive. Every year when I renew, the policy price increases. I can't afford it.

The customer service is poor. It's difficult to speak to a human as it's overly automated.

I didn't realize I didn't have accident forgiveness until my daughter had an accident. They tripled the cost of my policy.

The rates increase every year. I'm an excellent driver and I've never made a claim.

I would not recommend using them. They seem reluctant to pay claims.

Prices have gone extremely high. It used to be that you would stick with an insurance company for life, but now you have to shop around for lower prices.

Okay.

I had a bad experience. They increased my policy after just one accident, disregarding the first claim forgiveness policy.

The insurance is still expensive. I am looking for other insurance that is not so expensive.

Their rates are extremely high.

My insurance premium increased by almost $60 a month about 6 months ago, even though I don't have any tickets or accidents. I'm disappointed and am trying to find the same coverage for less.

They raised the rates twice in one year without any reason.

I've been with Liberty Mutual since I was 16 years old and I'm now 83. After two small claims this year due to bathroom leaks, Liberty Mutual is dropping my homeowners' insurance. Is this fair?

Okay.

I'm tired of paying for their incessant emu advertisements aimed at attracting new customers. They should reward existing customers who have no claims.

They don't lower your rate even when you have a good history, credit, or no accidents.

They recently increased my premium from $182 to $231 per month for no apparent reason, other than a general raise for everyone.

Don't use them, they will increase your rate within the six-month period of your term! And that's with no claims!

They added a driver without my knowledge and then charged me for it. Not good.

They cancelled my home policy after 26 years of bundling home and auto. There was no way to discuss the matter with anyone, only their formal appeal process was available. I tried that, but it was not satisfactory!

I'm very disappointed. I'm currently getting quotes from other insurance companies. I've sent messages trying to contact you, but I haven't received any responses.

Liberty Mutual sat on the claim for two months. Then, they had me make a different claim, shorted me on the reimbursements, messed up the form of the reimbursement, and didn't answer questions about why I was shorted. So, I'm shopping around.

The prices are high.

Getting help with claims is impossible. I can't get a returned phone call. My claim money was sent to the wrong company over a month ago and there's still no resolution. The customer service for auto insurance renewal is very rude.

I would advise caution when considering this company. They readily accept your monthly premium, but when it comes to paying out a claim, they seem to do everything possible to avoid it. Our roof was damaged by hail and wind during a tornado. Two roofing companies inspected the roof and both suggested it needed to be replaced. We filed a claim, but Liberty Mutual's in-house claims resolution specialist didn't even inspect the roof or attic personally. Instead, a third party did so and the specialist reviewed the photos, concluding there was 'no damage'. The shingles were damaged by hail impacts and many had lifted. The specialist claimed these would rebond in the sun and denied the hail damage. Despite having four additional roofers all suggesting the roof needed to be replaced, Liberty Mutual maintained their position. They even requested a replacement quote, only to later state their position hadn't changed and there was no damage. The reports from the roofing companies clearly showed the damage, which was undeniable. It seemed as if they simply did not want to pay the claim. We are now considering litigation.

Shop around! It's very expensive and the options are confusing!

I would not recommend Liberty Mutual. They did not go out of their way to assist me. After being a customer for a couple of years, they suddenly increased my monthly premium by almost $80. Yes, I only have Liability coverage, but that doesn't mean they can't provide assistance. I had two accidents within two months, neither of which were my fault. I called to see if they could help me, as I couldn't drive my car. They didn't try to assist me at all! During the second accident, the other person did have insurance (Progressive). Again, I was left to handle it on my own. Progressive, on the other hand, did assist me. They provided me with a rental car for a whole month. The point is, Liberty Mutual does not assist you. They seem to think they don't have to help you just because you only have Liability Coverage.

I was non-renewed because of moss on my concrete roof. I had it cleaned, sent them photos and proof, but they never responded even though their notice said they would. I even called them twice. I never had a claim for the house, though I had 3 for autos in over 40 years with them. Their premiums were good, but their customer service was the worst I've seen in over 60 years of insuring. My advice is to find an insurer with good customer service reviews that are loyal to their customers.

Search for a good company, don't just settle. Find a good agent.