What Discounts Does Liberty Mutual Offer for Auto Insurance?

Last Updated on October 16, 2023

Liberty Mutual is the 6th largest auto insurance company in the United States and is also one of the oldest, having been founded in Boston in 1912.

liberty mutual car insurance discountsLiberty Mutual is a Fortune 500 company with a worldwide presence. It has many subsidiary companies and offers a wide range of insurance products. Its bread and butter, however, continues to be auto insurance.

Liberty Mutual offers many discounts that help its premiums stay competitive with other companies. It has a robust online presence, a convenient mobile app, and is a very consumer-friendly company.

The list below is not a complete list of the discounts offered by Liberty Mutual but rather an overview of some of the most commonly used ones.

It’s important to know which Liberty Mutual discounts you’re eligible for and how much you could save. The availability and exact amount of these discounts can vary depending on each state since each state has its own insurance laws and requirements.

Overview of Liberty Mutual’s Auto Insurance Discounts

Multi-Policy Discount: Liberty Mutual gives a discount for having more than one insurance policy with them. The usual pairing is a homeowners or renter’s policy with auto insurance. This combination provides around a 15% discount on both policies.

Liberty Mutual also offers insurance for things such as boats, RVs, classic cars, and motorcycles, so the opportunities to have multiple policies are big. However, combining an auto policy with anything else, such as a motorcycle policy, will result in a discount of less than 15% and will usually be around 5%.

Multi-Vehicle Discount: This provides a discount for having more than one vehicle on your auto policy. The discount amount varies but is usually between 10-15%.

Good Driver Discount: Liberty Mutual looks back at the last 5 years of your driving history for this discount. If there have been no accidents or violations, they offer around a 15-20% discount on your policy.

5 years of accident and violation-free driving also qualify you for their Accident Forgiveness program, which does cost extra but guarantees that your rates won’t go up after your first accident.

Good Student Discount: If you have a student on your policy between the ages of 16-24 who has at least a B average (at least a 3.0 GPA), then they’ll be eligible for the Liberty Mutual good student discount. Liberty Mutual’s good student discount varies but is usually around 10%.

Distant Student Discount: If you have a student on your policy that does not have a car with them in school and they are located over 100 miles away, you can be eligible to receive a distant student discount. The exact discount amount varies but is usually between 5-10% on the vehicle.

Car Safety Features Discount: Liberty Mutual offers a discount for each vehicle with certain safety features. Some of the most common safety features are anti-lock brakes and passenger airbags, as well as active or passive alarm systems. The discount amount is usually between 5-10% on each eligible vehicle.

Alternative Fuel Discount: If you drive an eco-friendly vehicle, you could receive this discount worth up to 10%. Eligible fuel types include electric, gas hybrids, methane, and natural gas. This is a good discount for environmentally conscious drivers.

Affinity Group Discounts: Liberty Mutual offers a 10% discount for belonging to any of the 14,000+ alumni associations, employers, or professional associations. Simply put, if you belong to any type of professional or social group, you could save money on your car insurance with Liberty Mutual affiliation discounts.

Also, if you are a member of the US Armed Forces, you can receive a discount through Liberty Mutual.

Payment Discounts (Full Pay & EFT): Liberty Mutual offers different payment discounts, which can be quite substantial. If you choose to pay for the whole policy at once, or even with monthly automatic withdrawals from your bank account, you could save between 5-15%.

Telematics/RightTrack: This discount could save you up to 30%, although most drivers receive between 5-10%. Liberty Mutual’s RightTrack program is a device that tracks your driving for 90 days. It mainly monitors how fast you accelerate and brake, as well as miles driven and the time of day you drive.

Just for participating in the program, you’re guaranteed to receive a 5% discount. Whatever your final discount amount is, you’ll keep that discount for as long as you insure that vehicle with Liberty Mutual.

Online Purchase Discount: If you complete your purchase of a Liberty Mutual auto policy online, you can get this discount simply by shopping online. The discount amount is also pretty high at up to 12%.

Advanced Quote Discount: If you quote with Liberty Mutual before your old policy expires, you could receive up to 45% off your premiums. The discount amount varies with the amount of time between the quote and the new policy, but the maximum discount amount is for a 30-day advanced quote.

However, this discount will fall off of your policy over time, meaning that the discount amount will be slowly taken off your policy over the course of 5 years (this is true with all insurance companies).

Paperless Discount: Liberty Mutual offers a discount for going paperless, which means you will get all of your insurance documents and bills delivered to you electronically. This is usually no more than a 3% discount.

teenSMART Discount: Liberty Mutual offers teenage drivers who complete the teenSMART driver’s education course a discount on their auto insurance rates. Contact your Liberty Mutual agent first to see if you qualify for this discount.

How do Liberty Mutual Discounts Compare to Those of Other Insurers?

How do the discounts offered by Liberty Mutual compare to those offered by other insurance companies? Click on the links below to see how Liberty Mutual stacks up against other insurers.

Final Word on the Liberty Mutual Discounts Available

Liberty Mutual offers a large number of discounts that can really lower your auto premiums. Just about anyone and everyone can find discounts that they can use. If you’re able to combine some of the biggest discounts they offer, you can really save on your Liberty Mutual auto insurance. To see which Liberty Mutual discounts you’re eligible for, please contact your Liberty Mutual car insurance agent today.

Andrew Flueckiger
Andrew Flueckiger Andrew Flueckiger is an experienced insurance agent with experience in sales, management, leadership, and marketing. A graduate of Indiana University, Andrew is a licensed insurance agent specializing in personal and commercial insurance. Andrew not only holds a wealth of insurance industry knowledge and expertise, in 2016, he also obtained the Certified Insurance Counselor designation.
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