Liberty Mutual vs Root Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Ratings

Insurify Composite Score

Liberty Mutual
82
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Insurify Composite Score

Root
Not Rated
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Insurify Composite Score

Liberty Mutual VS Root
82
Not Rated
What is this?
User Ratings
OptionsLiberty Mutual Root
Rating/Reviews
857 reviews
13 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsLiberty Mutual Root
Call Center RepresentativeAbout average--
Insurer WebsiteBetter than most--
Local AgentBetter than most--
Overall SatisfactionAbout average--
Policy OfferingsBetter than most--
PricingAbout average--
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsLiberty Mutual Root
Claim ServicingThe rest--
Estimation ProcessThe rest--
First Notice of Loss (FNOL)About average--
Overall SatisfactionThe rest--
Rental ExperienceAbout average--
Repair ProcessAbout average--
SettlementThe rest--
J.D. Power Ratings by Region (out of 1000)
RegionLiberty Mutual Root
California816 pt
About average
--
Central806 pt
The rest
--
Florida805 pt
The rest
--
Mid-Atlantic801 pt
The rest
--
New England809 pt
About average
--
New York818 pt
About average
--
North Central812 pt
The rest
--
Northwest807 pt
About average
--
Southeast814 pt
The rest
--
Southwest811 pt
About average
--
Texas807 pt
The rest
--
Mobile App Ratings
RegionLiberty Mutual Root
Android
2,531 Reviews
14,713 Reviews
iOS
12,900 Reviews
22,800 Reviews
Financial Ratings
OptionsLiberty Mutual Root
A.M. BestA--
FitchA---
Moody'sA2--
Standard & Poor'sA--

Quotes & Discounts

Discount typeLiberty Mutual Root
Advance shopperUp to 45%--
Driving trainingUp to 30%--
RightTrackUp to 30%--
Anti-Theft DeviceUp to 25%--
Good StudentUp to 22%--
Passive RestraintUp to 20%--
Starting your auto quote onlineUp to 12%--
Multiple VehicleUp to 5%--
Accident FreeVaries--
Accident Prevention CourseVaries--
Anti-lock BrakeVaries--
ByMileVaries--
Claims Free RenewalVaries--
EV/HybridVaries--
Early ShopperVaries--
Electronic Stability ControlVaries--
Home OwnerVariesVaries
MilitaryVaries--
Multiple PolicyVaries--
New GraduateVaries--
New Teen DriverVaries--
NewlywedVaries--
OrganizationVaries--
Paid in fullVariesVaries
Paperless documentsVaries--
Policy Update/ExtensionVaries--
Preferred paymentVaries--
Safety FeatureVaries--
Senior AdultVaries--
Signing documents when you buy onlineVaries--
Student Away at SchoolVaries--
teenSMARTVaries--
Defensive Driver--Varies
Driving Habits--Varies
Early Quote--Varies
Good Driver--Varies
Loyalty--Varies
Seat Belt Use--Varies

Payment Methods

Discount typeLiberty Mutual Root
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit yes--
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
yes--
Mail Payment
yes--
Mobile App Payments
yesyes
Multi-Payment Installment Plans
--yes
Online Payment
yes--
Payroll Deduction
yes--
Phone Payment
yes--
Prepayment
yes--

Features and Services

Features and ServicesLiberty Mutual Root
24/7 serviceyesyes
Accident forgivenessyes--
Enhanced towing & substitute coverageyesyes
Flexible / convenient payments--yes
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyes--
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesLiberty Mutual Root
Accident Forgiveness
yes--
Better Car Replacement
yes--
Comprehensive Claim Forgiveness
--yes
Emergency Assistance Coverage
yes--
Emergency Lockout Coverage
yes--
Gap Insurance
yesyes
Glass Coverage --yes
Legal Defense Costs Coverage
yes--
Lifetime Repair Guarantee
yes--
New Car Replacement Coverage
yes--
Original Equipment Manufacturer Coverage
yes--
Rental Reimbursement
yesyes
Ridesharing Coverage
--yes
Roadside Assistance
yesyes
SR-22 Coverage
--yes
Teachers Insurance
yes--
Vanishing Deductible
yes--
Work Loss Coverage
yes--

Uber and Lyft driver insurance

  • Liberty Mutual
  • Root
  • Both

Compare Insurance Products

ProductLiberty Mutual Root
Accident InsuranceAccident Insuranceyes--
ATV InsuranceATV Insuranceyes--
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insuranceyes--
Classic Car InsuranceClassic Car Insuranceyes--
Condo InsuranceCondo Insuranceyes--
Critical Illness InsuranceCritical Illness Insuranceyes--
Dwelling Fire InsuranceDwelling Fire Insuranceyes--
Flood InsuranceFlood Insuranceyes--
Home InsuranceHome Insuranceyes--
Identity Theft InsuranceIdentity Theft Insuranceyes--
Life InsuranceLife Insuranceyes--
Mobile Home InsuranceMobile Home Insuranceyes--
Motorcycle InsuranceMotorcycle Insuranceyes--
Pet InsurancePet Insuranceyes--
Renters InsuranceRenters Insuranceyes--
RV InsuranceRV Insuranceyes--
Small Business InsuranceSmall Business Insuranceyes--
Tuition InsuranceTuition Insuranceyes--
Umbrella InsuranceUmbrella Insuranceyes--

User Reviews

  • Liberty Mutual Reviews
  • Root Reviews
3.0
5 Stars
28 %
4 Stars
15 %
3 Stars
16 %
2 Stars
8 %
1 Star
32 %

Most Positive Review

By Lisa
They have been very supportive and was able to be there when we had a claim to file. They have been very quick in their responses. I wish we could stay with them. I was very satisfied with them. They were very professional and was there when we needed them. We really like them.

Most Critical Review

By Cynthia
I already told you. Got treated very badly first month with you. You tried to take money from my account for a year payment when I was month to month. Tried,more than once .Threatened me with cancelation, raised my quotes rate 3 times without telling me. Lousy agent. Lied to. Stolen from. Cost me money,which you did pay back. Rotten service all around. Every month you change my due date. It was suppose to be the 15th of each month, now it's the 9th. I don't trust you people. My rate now is not what I was quoted. I want cheaper insurance because I have and always have had a clean record and hardly ever drive. You won't give me what I need or want. You say you can't. So, I'm looking elsewhere. I've found one for $55.00monthly. Can you beat that?

All Reviews

Showing 1 - 10 out of 856 Reviews
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Read reviews that mention

Debby Records
Horrible experience with claims. Wouldn't trust again.
Reese
I started my policy with them in July at 137 month. Then in September I got a letter stating my premium went up $90 dollars! The reasoning, I have a family member in the house who can drive and we never signed the form. There is just one little issue with that, we never got the form. I was just reading that someone else went through thee exact same thing. They then proceed to say, "Well we sent it by email." Knowing full well not everyone checks emails constantly. Shouldn't they have sent that by mail? When I asked if I could talk to a supervisor, I was flat out told, "No." I have recently canceled my policy and they now are saying I owe 317 dollars? DO NOT TRUST LIBERTY MUTUAL
Rudelania
Marvin
Reported bad info to C.L.U.E., stating I had a chargeable accident and that they paid out $500. I was not at fault, claim was canceled and $0 paid out! It took intervention by Florida Department of Financial Services. They accomplished in 1 day what I had been working on for over 2 months. I will NEVER trust Liberty Mutual again.
Michael
They normally take care of me. Premium is a little high. If I could get it $40-50 cheaper I probably wouldnt leave.
Paul
Service was great but premium cost are high.
Amanda
Customer services had been extremely poor
Rhonda
Long time customer. Never had a claim. I rec'd a traffic ticket 2 years ago and they added 15% to my insurance premium. Didn't even ask what happened.
Verlie
On line was easy
Jimmy
was ok up yo now then my rate went up without any ticket or claim
Showing 1 - 10 out of 856 reviews

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.