Liberty Mutual vs Verti Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

Liberty Mutual
82
What is this?

Insurify Composite Score

Verti
Not Rated
What is this?

Insurify Composite Score

Liberty Mutual VS Verti
82
Not Rated
What is this?
User Ratings
OptionsLiberty Mutual Verti
Rating/Reviews
857 reviews
0 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsLiberty Mutual Verti
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 Verti
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 Verti
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 Verti
Android
2,531 Reviews
--
iOS
12,900 Reviews
--
Financial Ratings
OptionsLiberty Mutual Verti
A.M. BestA--
FitchA---
Moody'sA2--
Standard & Poor'sA--

Quotes & Discounts

Discount typeLiberty Mutual Verti
Advance shopperUp to 45%Varies
Driving trainingUp to 30%--
RightTrackUp to 30%--
Anti-Theft DeviceUp to 25%--
Good StudentUp to 22%Varies
Passive RestraintUp to 20%--
Starting your auto quote onlineUp to 12%--
Multiple VehicleUp to 5%Varies
Accident FreeVaries--
Accident Prevention CourseVaries--
Anti-lock BrakeVaries--
ByMileVaries--
Claims Free RenewalVaries--
EV/HybridVariesVaries
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 onlineVariesVaries
Student Away at SchoolVaries--
teenSMARTVaries--
Accident Forgiveness--Varies
Good Driver--Varies
Good Payer--Varies
Loyalty--Varies

Payment Methods

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

Features and Services

Features and ServicesLiberty Mutual Verti
24/7 serviceyesyes
Accident forgivenessyesyes
Enhanced towing & substitute coverageyes--
Flexible / convenient payments--yes
Mobile appyesyes
New vehicle replacement cost coverage--yes
Online account managementyesyes
Policy bundling discountsyes--
Roadside assistanceyesyes

Optional Coverages

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

Uber and Lyft driver insurance

  • Liberty Mutual
  • Verti
  • Both

Compare Insurance Products

ProductLiberty Mutual Verti
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
  • Verti 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

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.