Liberty Mutual

Liberty Mutual - Car Insurance

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4.8 Rating

2,700 Reviews

12 Million


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Click here for our full review of Liberty Mutual car insurance quotes, discounts, and coverages.



Composite Score
What is this?
U.S Auto Insurance Shopping Study (2018)
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)
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)
RegionRatingsState Average
California816About average
Central806The rest
Florida805The rest
Mid-Atlantic801The rest
New England809About average
New York818About average
North Central812The rest
Northwest807About average
Southeast814The rest
Southwest811About average
Texas807The rest
Liberty Mutual Ratings
BrandRatingsUser reviews
Mobile App (iOS)
Mobile App (Android)
Trust Pilot
Trustpilot score: 1.5
TrustScore 1.5
J.D. Power Ratings by Region (out of 1000)
Company NameRatings
A.M. BestA
Standard & Poor'sA


The largest discounts from Liberty Mutual are: Advance shopper discount, Driving training discount, RightTrack Discount

Loading Chart
Discount TypeDiscount %
Advance shopper discountup to 45%
Driving training discountup to 30%
RightTrack Discountup to 30%
Anti-Theft Device Discountup to 25%
Good Student Discountup to 22%
Passive Restraint Discountup to 20%
Starting your auto quote online discountup to 12%
Multiple Vehicle Discountup to 5%
Anti-lock Brake DiscountVaries
EV/Hybrid DiscountVaries
Multiple Policy DiscountVaries
Organization DiscountVaries
Senior Adult DiscountVaries
teenSMART DiscountVaries
Preferred payment discountVaries
Policy Update/Extension DiscountVaries
New Graduate DiscountVaries
Newlywed DiscountVaries
Paperless documents discountVaries
Signing documents when you buy online discountVaries
Paid in full discountVaries
Claims Free Renewal DiscountVaries
Accident Free DiscountVaries
Electronic Stability ControlVaries
Student Away at School DiscountVaries
Military DiscountVaries
Home Owner DiscountVaries
Multiple Policy DiscountVaries
Safety Feature DiscountVaries
Accident Prevention Course DiscountVaries
ByMile DiscountVaries
New Teen Driver DiscountVaries
Early Shopper DiscountVaries

Payment methods

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    Automatic Online Payment
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    Bank Payment/Direct Deposit
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    Credit Card Payment
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    Debit Card Payments
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    Electronic Check
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    Mail Payment
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    Mobile App Payments
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    Online Payment
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    Phone Payment
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    Payroll Deduction

Features and Services

Liberty Mutual has been in operation for over 100 years. Liberty Mutual's insurance agents are available for claim support and roadside assistance 24 hours a day, 7 days a week. Customers can manage their payments, policy, and claims online or via the Liberty Mutual mobile app. Liberty Mutual offers many benefits to their standard policyholders, including Accident Forgiveness for drivers who have been accident free for five or more years; Lifetime Repair Guarantee when you have your vehicle repairs at one of Liberty Mutual’s partnered shops; an Auto Recall Notification Service that warns policyholders if their vehicle has been issued a recall; 24-hour Roadside Assistance; and a Twelve Month Rate Guarantee. Liberty Mutual also offers additional coverages that can be added to your policy, including new car replacement, better car replacement, rental car reimbursement, deductible fund, and teacher’s auto insurance.

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    24/7 service
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    Mobile app
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    Accident forgiveness
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    Roadside assistance
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    Online account management
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    Enhanced towing & substitute coverage
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    Policy bundling discounts

Car Insurance Coverage

Not seeing the state you're looking for? See all states here.

Optional Coverage

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

Liberty Mutual provides Uber and Lyft driver insurance in the following states:

Liberty Mutual Insurance Products

Home Insurance
Car Insurance
Motorcycle Insurance
Boat Insurance
Classic Car Insurance
ATV Insurance
RV Insurance
Umbrella Insurance
Renters Insurance
Condo Insurance
Dwelling Fire Insurance
Mobile Home Insurance
Flood Insurance
Life Insurance
Identity Theft Insurance
Pet Insurance
Small Business Insurance
Accident Insurance
Critical Illness Insurance
Tuition Insurance

FAQs - Liberty Mutual Car Insurance

How does Insurify work?

Insurify lets you freely compare accurate car insurance quotes and discounts from top national and regional insurance companies in a matter of minutes. You can choose between coverage levels and adjust deductibles to ensure you're not just getting the cheapest policy, but the most appropriate one, too. Users save an average of $489 a year when they buy a new insurance policy through Insurify.

How does Insurify find me the cheapest car insurance quotes?

Think of Insurify as your personalized, online insurance agent. Insurify's platform uses the latest in AI to match you with real, accurate, and bindable car insurance quotes based on your driver history and budget. Insurify is not an insurance company and will not share the information you share on the site with any third party.

How is Insurify different from other insurance quote comparison sites?

Insurify is the top-rated and most-rated insurance comparison website in America. Unlike comparison sites that just take your information and sell it to the highest bidder, Insurify is built on trust and empowerment. No matter your license record, budget, or regional background, Insurify is committed to securing the cheapest and best deals that work for you.

Compare Liberty Mutual to GEICO

Liberty Mutual vs GEICO

Company History

Headquartered in Boston, Massachusetts, Liberty Mutual Group was founded in 1912. 

Liberty Mutual Insurance Company specializes in both business and personal insurance services, from auto and home insurance to small commercial and middle market products. As of this writing, it is the fourth largest property and casualty insurance provider in the United States. 

Liberty Mutual has a strong devotion to philanthropy and community involvement. In 2014, both the company and the employees pledged $17.5 million to 7,500 charities. Additionally, 26,000 employees served on 24,000 projects for 900 charities in 20 countries across the world. 

Liberty Mutual has an "A-" rating from the Better Business Bureau (BBB).

Contact Information

Headquarters address: 175 Berkeley Street, Boston, MA 02116

Phone number: (617) 357-9500

How to cancel your Liberty Mutual Car Insurance Policy

Call customer service at 1 (800) 290-8858 in order to cancel your Liberty Mutual policy.

Liberty Mutual Reviews

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.
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
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.
They normally take care of me. Premium is a little high. If I could get it $40-50 cheaper I probably wouldnt leave.
Service was great but premium cost are high.
Customer services had been extremely poor
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.
On line was easy
was ok up yo now then my rate went up without any ticket or claim
Showing 1 - 10 out of 856 reviews

Liberty Mutual Car Insurance Information

Insurify Composite Score82
Number of discounts33
Number of reviews857
User Rating3
A.M. BestA
Standard & Poor'sA