Liberty Mutual Auto Insurance Review

Last Updated on January 1, 2026

Liberty Mutual is one of the largest auto insurers in the U.S., offering personal auto insurance in all 50 states plus a wide menu of optional add-ons. If you want a big-name carrier with lots of coverage choices (and you don’t mind comparing quotes to find the best price), Liberty Mutual can be a strong option.

According to NAIC market share data compiled by the Insurance Information Institute, Liberty Mutual ranked #7 for private passenger auto insurance by direct premiums written in 2024. See the latest insurer rankings here.

KEY TAKEAWAYS

1. Nationwide Carrier With Major Market Share: Liberty Mutual sells auto insurance in all 50 states and ranks among the largest private passenger auto insurers in the U.S.
2. Strong Menu of Add-Ons: Optional coverages like deductible-reduction features, OEM parts coverage, and replacement-cost-style options are a big part of Liberty Mutual’s appeal.
3. RightTrack Can Lower (or Raise) Your Rate: Liberty Mutual’s app-based telematics program may offer meaningful savings for safe driving, but riskier driving patterns can lead to smaller discounts or higher rates.
4. Pricing Varies—Compare Quotes: Liberty Mutual isn’t always the cheapest, so it’s smart to compare multiple insurers and weigh coverage limits and deductibles, not just the premium.

Liberty Mutual Auto Insurance At a Glance

• Best for: Drivers who want lots of optional coverages (like new car replacement, vanishing deductible-style options, and OEM parts coverage) and people who prefer a robust app experience.
• Availability: Auto insurance is sold in all 50 states, but specific discounts and add-ons can vary by state.
• Claims satisfaction: Liberty Mutual ranked third overall in the J.D. Power 2025 U.S. Auto Claims Satisfaction Study (among the largest insurers).
• Financial strength: AM Best affirmed Liberty Mutual’s A (Excellent) financial strength rating in 2025. View the AM Best announcement.

Types of Auto Insurance Coverage Offered by Liberty Mutual

Liberty Mutual offers everything from state-minimum liability to full coverage policies with optional endorsements. Here are the most common coverage types and add-ons you may see when building a quote.

Standard Coverages

• Liability Coverage: Pays for injuries and property damage you cause to others. Most states require minimum liability limits.
• Collision Coverage: Helps pay to repair or replace your car after a crash with another vehicle or object, regardless of fault (subject to your deductible).
• Comprehensive Coverage: Helps cover non-collision losses like theft, vandalism, fire, hail, falling objects, and animal strikes (subject to your deductible).
• Personal Injury Protection: Required in some no-fault states. Can help pay medical bills and related expenses after a covered accident. In other states, Liberty Mutual may offer medical payments coverage instead.
• Uninsured and Underinsured Motorist Coverage: Helps pay for injuries (and sometimes property damage) if you’re hit by a driver with no insurance or not enough insurance.

Optional Add-Ons and Specialty Coverage

• Rideshare Insurance: Optional coverage in some states for drivers who use their vehicle for Uber/Lyft and want extra protection during app-on periods where personal auto coverage may not apply.
• Gap Coverage: If your car is totaled or stolen and you owe more than it’s worth, gap can help cover the difference between your loan/lease balance and the payout.
• Rental Car Insurance: Many personal auto policies extend to eligible rental cars for personal use, but coverage details depend on your policy and state. Always confirm what applies before you rent.
• Rental Car Reimbursement Coverage: Helps pay for a rental car while your vehicle is being repaired after a covered claim (daily limits and maximums usually apply).
• 24-Hour Roadside Assistance: Optional towing and labor coverage that can help with jump starts, lockouts, flat tires, fuel delivery, and towing.
• Is Liberty Mutual’s Roadside Assistance Worth It?: Whether it’s a good value depends on how often you drive, your vehicle’s reliability, and whether you already have roadside coverage through a warranty, credit card, or auto club.
• Original Parts Replacement: Optional coverage that may help you get original manufacturer (OEM) parts for certain covered repairs, depending on your endorsement and state rules.
• Windshield Coverage: Windshield repair/replacement is typically handled under comprehensive coverage. Rules and deductibles vary by state and policy.
• Non-Owner’s Coverage: Helpful if you don’t own a car but regularly rent or borrow vehicles and need liability coverage.
• SR-22 Insurance: Liberty Mutual can file SR-22 forms in many states for drivers who need proof of financial responsibility (availability varies by state and underwriting).
• Rebuilt Title Insurance: Some insurers will consider rebuilt/salvage title vehicles depending on state rules and the vehicle’s inspection history. Eligibility varies.
• Antique & Classic Car Insurance: Specialty coverage for collector vehicles is often based on limited usage, storage requirements, and agreed/limited value options (eligibility varies by vehicle and state).
• Recreational Vehicle & Alternative Vehicle Insurance: Liberty Mutual companies and partners may offer RV and specialty vehicle coverage, with availability depending on your state and vehicle type.

What Makes Liberty Mutual’s Auto Insurance Stand Out?

Large insurers tend to look similar on the surface, but Liberty Mutual has a few “signature” options that can be genuinely useful—especially if you drive a newer car, want extra repair protections, or like app-based policy management.

Deductible Fund

Liberty Mutual’s Deductible Fund is a vanishing deductible-style feature that builds a yearly “fund” you can apply toward your collision deductible. It’s a way to trade a slightly higher premium for lower out-of-pocket costs after a claim. If you want a refresher on how deductibles work, start here: car insurance deductibles explained.

New Car Replacement and Better Car Replacement

These two coverages are designed to soften the financial hit of depreciation after a total loss. If you’re comparing carriers for a brand-new or newer vehicle, new car replacement insurance is one of the most valuable “nice-to-have” add-ons—especially if you’d replace your vehicle with another new one after a total loss.

Teacher-Focused Coverage

Liberty Mutual offers optional protections tailored for educators in some states. If you teach and keep work items in your car, it’s worth reviewing car insurance discounts for teachers and asking how Liberty Mutual structures teacher-focused coverage where you live.

Mexico Car Insurance Options

Most U.S. auto policies either don’t cover Mexico or provide very limited coverage. If you drive across the border, review the basics first: If I drive into Mexico, does my insurance cover me?

RightTrack Telematics Program

RightTrack is Liberty Mutual’s telematics program, run through the Liberty Mutual mobile app. Safe drivers may earn meaningful savings, but telematics isn’t for everyone—especially if you’re uncomfortable with tracking or if your driving patterns include lots of nighttime or rush-hour trips. If you’re considering usage-based insurance, start here: can telematics help you save on auto insurance?

If you want a deeper dive into how Liberty Mutual’s program works, see: Does Liberty Mutual’s RightTrack save you money?

How Much Does Liberty Mutual Auto Insurance Cost?

Liberty Mutual doesn’t publish one “average price” that applies to everyone, because premiums vary widely by location, driving record, credit-based insurance score (where allowed), vehicle, mileage, and coverage choices.

A helpful benchmark: Bankrate reports a current national average of $2,697/year for full coverage and $820/year for minimum coverage (your local averages may be higher or lower). See Bankrate’s Liberty Mutual review and rate benchmarks.

In many markets, Liberty Mutual prices in the middle-to-higher range compared to the cheapest carriers, but some drivers are willing to pay a bit more for the mix of optional coverages, repair programs, and digital tools. If your goal is strictly the lowest premium, it can help to compare Liberty Mutual with other large carriers like State Farm and GEICO.

One important reminder: the “cheapest” policy isn’t always the best fit if it leaves you underinsured. Here’s a good overview on that tradeoff: why the cheapest insurance isn’t always the best insurance.

Liberty Mutual Auto Insurance Discounts

Liberty Mutual offers many of the standard discounts you’d expect from a national carrier, plus telematics-based savings through RightTrack. For the most current discount list by state, start here: Liberty Mutual auto insurance discounts.

Common discounts may include (availability and savings vary by state and driver):

• Good driver / clean record: If you have a strong history, learn how insurers evaluate that here: the good driver discount.
• Homeowner discount: Some carriers offer additional savings if you own a home: auto insurance discounts for homeowners.
• Military discount: May be available for active duty, veterans, and some reserve members.
• Early shopper discount: Sometimes available if you request a quote before your current policy renews.
• Good student discount: Often based on grades or academic achievement: good student discount for car insurance.
• Student away at school: If a student is away and drives less, you may qualify: distant student discount.
• Vehicle safety features: Savings may apply for certain tech and safety equipment: safety features auto insurance discount.
• Hybrid/EV discount: Some insurers offer incentives for alternative energy vehicles: are hybrids or EVs cheaper to insure?
• Anti-theft discount: May apply if your vehicle has qualifying anti-theft devices: insurance discounts for anti-theft devices.
• Violation-free discount: Tickets can raise rates, so a clean record matters: do traffic violations affect insurance premiums?
• Multi-car discount: Bundling multiple vehicles can reduce premiums: multi-car discounts.
• Multi-policy discount: Often available when you bundle auto with home, renters, or another policy.
• Pay-in-full discount: Paying upfront can be cheaper than monthly payments: pay in full vs. monthly.
• Paperless discount: Some companies discount e-documents and online billing: paperless billing discounts.

Pros and Cons of Liberty Mutual Auto Insurance

Pros

• Available nationwide with a broad range of policy options
• Strong menu of add-ons (deductible fund, replacement coverages, OEM parts options)
• Many discounts, including telematics-based savings through RightTrack
• Solid claims satisfaction performance in recent third-party studies

Cons

• Often not the cheapest option, depending on your state and driver profile
• Discounts and add-ons can be state-dependent, and some endorsements may not be offered everywhere
• Liberty Mutual does not offer mechanical breakdown insurance (MBI) for auto
• Customer experience can vary by region and subsidiary, so it’s smart to compare reviews and complaint history

Liberty Mutual Reviews and Ratings

Liberty Mutual’s reputation is a mix of strong capabilities and “it depends” experiences—often influenced by your state, the subsidiary writing your policy, and how complex your claim is.

J.D. Power claims satisfaction: Liberty Mutual ranked third overall in the 2025 U.S. Auto Claims Satisfaction Study, which focuses on the claims experience.

A.M. Best financial strength: AM Best affirmed Liberty Mutual’s Financial Strength Rating of A (Excellent) with a stable outlook in 2025. Read the AM Best release.

BBB profile: Liberty Mutual Group is BBB accredited and has an A+ BBB rating, though customer review scores on BBB are typically low across the insurance industry because most people leave reviews after a bad experience. View Liberty Mutual’s BBB customer reviews.

NAIC complaints: If you want an extra data point, the NAIC complaint index can help you compare insurers’ complaint volume relative to their size. You can look up complaint data through the NAIC’s consumer tools here: NAIC Consumer Insurance Search.

FAQs on Liberty Mutual Auto Insurance

Final Word on Liberty Mutual

Liberty Mutual is a strong choice if you want a large, nationwide insurer with lots of add-on coverage options and a modern digital experience. It may not win every price comparison, but it can be worth a look if you value replacement coverages, deductible-reduction options, OEM parts coverage, or telematics-based discounts.

If you’re considering Liberty Mutual, compare at least a few quotes and focus on the coverage limits and deductibles—not just the monthly payment. Then make sure you apply every discount you qualify for and choose the coverage that fits your real-world risk.

To learn more about Liberty Mutual or to request a quote, contact them today.

Liberty Mutual Contact Information