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

I was paying double what I pay now, and the other guys were only giving me half tort for twice the money. What a ripoff. Thank God for Liberty Mutual. You guys rock!

I got a fantastic price on my insurance, only $488.00 a year for basic coverage.

It has been fine until now. They have decided to drop all auto coverage in CA, leaving us to look for a new insurer.

Seems pricey.

I just need a better quote than what I currently pay with them.

Stay on top of changes to cost, policy, and coverages during the renewal process. It's easy to assume things are the same.

As much as I loved them, they will no longer work with California.

My experience with Liberty Mutual has been excellent. I would recommend them to anyone!

Very good, easy to get answers, and got the best price available.

Overall, I am satisfied with Liberty Mutual's customer service. I am extremely satisfied that the pricing was lower than others. However, I am not 100% satisfied with the payment information given over the phone, which was incorrect and caused an additional amount to be added to my original balance. This was not my fault, but completely the fault of the customer service representative who gave me incorrect information. This cost me time, money, embarrassment, and unfairness due to her negligence and incorrect information, after assuring me more than once, despite my doubts, that my payment was indeed processed and would not be returned for insufficient funds.

Good service.

My agent at LIBERTY MUTUAL was very good to work with! The only issue I had was the pricing compared to other companies was not quite as strong as I’d hoped it would be, but the level of service made me stay with them for quite a few years. My agent in the Dallas Fort Worth area was amazing! They were very responsive and always available when I needed any kind of assistance at all. I truly consider them a friend.

Excellent

My insurance rate was raised to $600.00, and I've never had a claim.

I am happy with Liberty Mutual. I am just looking to compare prices because of an increase of more than $1000.00 for this year.

Service is good, but the cost is too high.

All in all, it's good, but extremely expensive compared to other quotes. Extremely expensive!!!

They are very good but do not want to insure California auto policies anymore.

Great company - pricey, though.

Liberty Mutual has handled all claims that we have made quickly and fairly. However, Liberty Mutual is pulling most of their policies out of California. They have dropped our personal liability policy and our auto policies. My son was not able to get an auto policy with Liberty Mutual when he purchased a car last year.

I'd tell them they increase rates whenever they want to, regardless of how safe a driver you are.

So far, so good. I haven’t found another quote to beat them. So I’m going to say they are the best deal out there at the moment.

Rates are a little high. I stay with them for exceptional customer service, especially claims.

Liberty has been my go-to for a few years now. They are the only ones I have found to have the most reasonable rates! The agents I have dealt with have been very knowledgeable and always helpful!

Some unexpected elements, like the policy will not renew or transfer to another company, with more expensive rates.

Good, but expensive.

Better than most.

They overcharged me. I found a new policy with the same coverage for half the price.

They handled the claim excellently, but the rate was raised. They were relatively easy to contact.

It's too expensive. They should stop all the unnecessary TV commercials.

Their customer service is excellent. They resolve claims quickly. However, their roadside service leaves much to be desired. Unfortunately, I found this out too late. They only provide assistance for mechanical breakdowns, which does not include flat tires. After filing one claim with them after three years (or possibly more), my rate increased significantly.

It has been very good.

The customer service is good and they respond well to calls or needs. However, the rates have significantly increased, causing us to shop around to see what equal coverage would be with other carriers. If the rates were lower and hadn't increased so much without many claims, we wouldn't need to shop around.

I enjoy working with them every time I need to.

The insurance is too high.

They offer good rates and are a great company.

My experience was good, but I’m trying to save as much money as I can by checking other companies.

They are very good and knowledgeable about rates and coverage. I would hate to use another insurance company.

Good but expensive.

Don't be late making your payments.

Good communicators. The agent on my call was knowledgeable and forthright with answers about my policy.

It's a bit expensive.

Always excellent.

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.

Policy explanations are weak, rates are too high, options are confusing, and the claims process is average. I don’t find anything that stands out compared to other insurance companies.

They're good, I just would like to find something cheaper though.

They constantly increase premiums after initially claiming they would reduce them the longer I stayed with them, even with no claims.

Horrible customer service. They were not helpful with my claim from an accident that was not my fault. I feel I have been penalized ever since. They keep raising my insurance with no explanation.

Very expensive. They don’t give you a reason or heads up as to why your insurance keeps getting higher, and it takes forever to talk to someone.

Full coverage insurance is high-priced for basic coverage and high deductibles.

Plan on getting absurd rate increases every year regardless of how many miles you drive annually. They charge a 2.95% fee to process your debit card. Expect to wait forever to talk to customer service.

They raised rates consistently every 6 months.

Listed phone numbers are diversions to other companies not related to car insurance at all. No phone number works. You cannot reach a representative from any number listed for Liberty Mutual Auto Insurance. This company increases the premium every few months! I started with a $41 premium and it is now $59. I cannot afford this on a limited income and cannot reach anyone to cancel it. It's the worst experience ever. Do not recommend at all, ever!

No one answers the phone when I call. They increase my premium every few months without notice. I want to cancel but can't get an answer on the phone. Definitely do not recommend.

I think Liberty is way too expensive for me, a 71-year-old man with a great driving record!

I haven’t had any direct experience with them, though the premium I am paying is too high.

They increased my rates and overcharged me.

Many years of coverage, 28-year-old car, no tickets, 1 claim for back impact, 90-year-old driver, 900-1200 miles per year, and they shopped me to another insurer who added $700 to my "new" policy. That was Liberty Mutual.

I have been with Liberty Mutual for over 12 years, but the prices just keep going up! I tried to work with customer service to lower the cost, but the representative didn’t provide any help, so it's time to move on.

It was good until I got a ticket, and then it doubled. Now the yearly new policy came up, and it went up $35! I can't afford that, plus I'm on a fixed income. Ugh!

Great policies that cover everything, but you will pay a lot for it.

I moved 3 miles away and my rates went up by $48.

They overcharge and add people to your policy if they name a person at the address you live, even if they stayed there before.

So, prices are still high when compared with other companies offering the same coverage.

For the type of insurance I had, it was way, way overpriced. Then when I asked for a quote on this year's insurance, they went up. Bye bye.

I think the premiums are a little high. I have paper billing and want to keep paper billing, but invoices are sent seemingly late to get payment back by the due date. I have requested a different due date, etc., without resolving this dilemma.

The rates have gone up significantly. I plan to make a move knowing I can get a better rate. When I initially signed up for Liberty, I received a better rate based on my age, credit report, accidents, claims, mileage, etc. I have been an outstanding customer for more than 10 years.

I never had an accident or claim during the length of my policy. When I renewed the policy, they increased the amount I would have to pay. I always thought the price of a policy would decrease, or at least remain the same. I'm done with them!

We were very impressed with Liberty Mutual until they decided to keep raising our rate for no justifiable reason. We have no tickets, no accidents; they just blame the area we live in as an excuse to keep raising our rate. At this point, we're just paying an exorbitant amount of money to have this thing called insurance.

Good company, just expensive.

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 my rates by about 25% per year despite clean driving. Feels like a rip-off, and I’ve been with them for 7+ years.

I had a good experience as long as they were the company my union was working with. When that stopped, my payment doubled, and I haven’t 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!