Liberty Mutual Auto Insurance Review

Last Updated on April 30, 2024

Liberty Mutual is the sixth-largest car insurance company in the United States. The company also offers home insurance and other insurance products. Liberty Mutual may be the right insurer for you if insuring a vehicle for personal or business purposes. The company offers an extensive range of insurance products and discounts for all different needs.

Key Takeaways:

1. Range of Discounts: Liberty Mutual offers various discounts that can substantially reduce insurance premiums, such as multi-vehicle discounts, good driver discounts, and discounts for vehicle safety features. They also provide unique discounts like the RightTrack program, which can save drivers up to 30% by monitoring their driving habits​.
2. Add-on Coverages and Programs: Liberty Mutual provides several add-on coverages and programs to enhance insurance policies. These include better car replacement, teacher-specific coverage, and the RightTrack telematics program, which offers a lifetime discount for safe driving​ .
3. Premium Costs: Although Liberty Mutual offers comprehensive services and coverage options, their insurance premiums are generally higher than those of some competitors. This is seen as a trade-off for the expanded services and the reliability of insuring with a well-established company.
4. Coverage for Diverse Needs: Liberty Mutual accommodates many customer needs with coverage options like new car replacement, insurance for teachers, and even specific policies for driving in Mexico. This makes them a versatile choice for various types of drivers looking for tailored insurance solutions​.
5. Insurance Panda’s Liberty Mutual Rating: 4.6/5

Types of Auto Insurance Coverage Offered by Liberty Mutual

Liberty Mutual sells auto insurance in all 50 states. The company offers similar car insurance products and services to other major insurance companies. Drivers can buy everything from minimum liability insurance policies to full coverage plans. Here are some of the types of auto insurance available through Liberty Mutual:

Liability Coverage: Liberty Mutual offers bodily injury liability coverage, property damage liability coverage, and other types of liability coverage to protect you from liability when driving. Most states require you to carry liability coverage. Liberty Mutual’s liability coverage compensates other drivers for any damage you inflict when driving.

Collision Coverage: Liberty Mutual offers collision coverage in all states. Collision coverage protects your own vehicle after an accident, with Liberty Mutual compensating you for the cost of repairing or replacing your vehicle after an accident.

Comprehensive Coverage: Liberty Mutual offers comprehensive coverage in all states. Comprehensive coverage protects your vehicle outside of accidents from things like fire damage, water damage, theft, and vandalism.

Personal Injury Protection: Some states require drivers to carry personal injury protection (PIP) coverage. Liberty Mutual offers personal injury protection in some states but not others. Liberty Mutual’s PIP can cover medical bills, ambulance costs, and similar expenses after an accident. Liberty Mutual also offers medical payments coverage, which is similar to personal injury protection coverage, in states that require it.

Uninsured and Underinsured Motorist Coverage: Some states require drivers to carry uninsured and underinsured motorist coverage. Other drivers carry this coverage for peace of mind. Liberty Mutual’s uninsured and underinsured motorist coverage covers medical and property damage costs after an accident with a driver who has insufficient coverage or no car insurance whatsoever.

Rideshare Insurance: Liberty Mutual offers rideshare insurance for Uber and Lyft in some states. In fact, Uber and Lyft chose Liberty Mutual as an official insurance provider. This coverage varies from state to state, but it can protect you before, during, and after driving for a rideshare company.

Gap Coverage: If your car is totaled, and the car’s value is lower than the amount remaining on your loan, then Liberty Mutual’s gap coverage will cover the remaining amount you owe. Some lenders require you to carry gap coverage. Other drivers carry gap coverage on new vehicles for added peace of mind.

Rental Car Insurance: If you have an auto insurance policy with Liberty Mutual, your coverage should extend to rental cars.

Rental Car Reimbursement Coverage: Liberty Mutual offers rental car reimbursement coverage. This coverage pays for the cost of a rental car. If you choose to repair your car at a direct Liberty Mutual-approved repair facility, and if you allow Liberty Mutual to arrange a rental car, then the company will pay for the cost of the rental car for as long as it takes to repair your vehicle.

Antique & Classic Car Insurance: Liberty Mutual offers customized quotes for classic cars. Coverage works similar to an ordinary car insurance policy and includes damage and liability protection. Your car must be over 25 years old to qualify for classic car insurance. Liberty Mutual’s classic car insurance can cover cars that gain value as they age based on the make, model, year, body design, or physical condition. It can also cover classic cars used in exhibitions, parades, and other occasions.

Recreational Vehicle & Alternative Vehicle Insurance: Liberty Mutual sells insurance for RVs, motorhomes, campers, and more. You must have an underlying Liberty Mutual auto insurance policy to purchase RV and trailer insurance. Liberty Mutual’s RV insurance is not available in all states.

Original Parts Replacement: Liberty Mutual offers original parts replacement. For an extra fee, Liberty Mutual will replace any damaged parts of your vehicle with parts that meet the highest quality standards. If you have original parts replacement on your policy, Liberty Mutual will attempt to source original manufacture parts for your vehicle whenever possible.

24-Hour Roadside Assistance: All major car insurance companies in the United States, including Liberty Mutual, offer 24-hour roadside assistance. Liberty Mutual’s roadside assistance costs a few extra dollars per month and covers flat tires, dead batteries, fuel deliveries, vehicle lockouts, towing, and other incidents.

Windshield Coverage: If you have comprehensive coverage with Liberty Mutual, windshield repair and replacement will be covered.

Non-Owner’s Coverage: If you do not have a vehicle of your own, but occasionally borrow cars from friends/family or rent cars, Liberty Mutual’s non-owner coverage might be a good option for you.

SR-22 Insurance: Liberty Mutual sells SR-22 insurance to high-risk drivers in most states. An SR-22 is a document that verifies you meet minimum insurance requirements in your state. SR-22 (or sometimes FR-44) forms are typically required if you’re a high-risk driver, have been ticketed for driving without insurance, or have let your auto insurance policy lapse.

Rebuilt Title Insurance: Liberty Mutual offers insurance for cars with a rebuilt title. If your car passes an annual inspection, Liberty Mutual will also offer full coverage on your car with a rebuilt title.

What Makes Liberty Mutual’s Auto Insurance Unique?

Liberty Mutual is one of the largest car insurance companies in the United States. Generally, all of America’s top 20 largest insurers have similar products and services and are competitive with one another. However, Liberty Mutual has several features that distinguish itself from competitors, including:

Liberty Mutual Deductible Fund: Liberty Mutual policyholders with collision coverage can pay an extra premium each year to reduce their deductibles by $100 per year. You pay more for premiums, but you pay less for your deductible if you need to make a claim.

New Car Replacement Insurance: If your new car is involved in a total loss accident in the first year, then Liberty Mutual compensates you for the cost of a brand new car and not the depreciated value of your old car. New car replacement insurance is an optional add-on that comes with higher premiums.

Better Car Replacement Insurance: If your new car is involved in a total loss accident, then Liberty Mutual will compensate you for the cost of buying a vehicle that’s one year newer. Like new car replacement insurance, better car replacement insurance is an optional add-on that comes with higher premiums.

Teachers’ Auto Insurance: Liberty Mutual offers special auto insurance for teachers. If you are a Liberty Mutual policyholder and a teacher, then you get extra protection for your car and teaching materials. Teachers’ auto insurance from Liberty Mutual includes coverage for vandalism, collisions, and stolen supplies or school property in your vehicle.

Mexico Car Insurance: Liberty Mutual requires drivers to carry Mexico car insurance when traveling across the border. You can customize your Mexico car insurance with Liberty Mutual based on your coverage limits, the duration of your policy, and your type of vehicle.

RightTrack Telematics Program: Most insurers now offer a telematics driver tracking program. Liberty Mutual’s program is called RightTrack. Liberty Mutual claims drivers could save up to 30% with the program. Plus, you keep this discount for the life of your auto insurance policy. Liberty Mutual also guarantees a discount just for signing up for the program. While other driver tracking programs use apps, Liberty Mutual uses a small device. You keep the device with you when driving, and it tracks your driving habits, mileage, and other factors. Safe drivers can save up to 30%.

Accident Forgiveness: Liberty Mutual will not increase premiums as a result of your first accident if you have no crashes or violations for the last five years. Accident forgiveness varies from state to state and is not available in certain states (like California).

How Much Are Liberty Mutual’s Insurance Rates?

Liberty Mutual is the sixth-largest insurance company in the United States, and the company’s rates tend to be competitive with other major providers.

Generally, Liberty Mutual is not the cheapest in any state. Instead, the company charges slightly higher rates for expanded service. Many policyholders are willing to pay a little more for added coverage. While State Farm and GEICO charge the cheapest rates in many states, Liberty Mutual offers expanded service without charging a fortune.

Nationwide, the average Liberty Mutual policyholder pays around $1,508 per year for full coverage car insurance. However, rates vary widely based on your state, driving history, demographics, and other factors. In some states, Liberty Mutual policyholders pay as little as $950 per year, on average. In other states, the average Liberty Mutual policyholder pays over $3,000.

Liberty Mutual’s Auto Insurance Discounts

By taking advantage of Liberty Mutual’s discounts, drivers can save hundreds or even thousands of dollars per year. Liberty Mutual offers standard discounts you expect from any insurance company – like safe driving and claim-free discounts. The company also offers unique discounts like the RightTrack driver tracking program discount.

Safe Driving Discount: Drivers with a safe driving record can save 20% to 50% by switching to Liberty Mutual. If you have three to seven years of safe driving history, then you could save hundreds per year on your Liberty Mutual car insurance policy.

Homeowner Discount: Being a homeowner qualifies you for savings with Liberty Mutual.

Military Discount: Liberty Mutual provides discounts to active, retired, and reserve members of the United States Armed Forces.

Early Shopper Discount: If you request a quote from Liberty Mutual before your current policy expires, then you could save when you switch to Liberty Mutual.

Good Student Discount: If you or your student have a GPA of B or better, then Liberty Mutual rewards your hard work with a discount on your policy.

Student Away at School Discount: If your child is away at school and only occasionally drives your car, then you are eligible for a discount.

Advanced Safety Features Discount: Liberty Mutual offers discounts on vehicles with advanced safety features. The company considers anti-lock brakes, electronic stability control, and adaptive headlights as advanced safety features.

Alternative Energy Discount: If you drive a hybrid or electric vehicle, then you get a discount on your Liberty Mutual car insurance policy.

Anti-Theft Device Discount: If your car is equipped with passive or active anti-theft technology, then you qualify for additional savings.

Violation-Free Discount: In addition to the safe driving (accident-free) discount, drivers can qualify for Liberty Mutual’s violation-free discount. If your driving history is free of violations (like speeding tickets or other citations), then you could save.

RightTrack: Liberty Mutual’s RightTrack is a driver-tracking device that monitors your driving habits. Drivers get guaranteed savings after signing up for the RightTrack program. Safe drivers could save up to 30%.

Multi-Policy Discount: If you have multiple policies with Liberty Mutual, then you save money across all policies. This discount applies to multiple car insurance policies, home insurance policies, and other policies.

Multi-Car Discount: Insuring multiple vehicles with Liberty Mutual can help you save money across all vehicles.

Preferred Payment Discount: If you link your Liberty Mutual insurance payments to your bank account, then you qualify for a Preferred Payment discount.

Pay in Full Discount: If you pay for your policy in one or two payments, then you qualify for Liberty Mutual’s pay in full discount.

Online Purchase Discount: If you complete your insurance purchase online, then you get a discount on premiums.

Paperless Policy Discount: Drivers qualify for a discount when switching to Liberty Mutual’s paperless billing system.

Pros and Cons of Liberty Mutual

Liberty Mutual is a popular and well-known insurance company available across the United States. Like other large insurance companies in the country, Liberty Mutual has average reviews for customer service, claims satisfaction, and overall quality.

The pros and cons of Liberty Mutual include:

Pros

• Excellent customer service
• Competitive premiums
• Unique coverage options like new and better car replacement
• Extensive range of discounts
• Strong online tools

Cons

• No mechanical breakdown coverage
• High premiums in some states
• Average ratings for claims satisfaction
• Rarely the cheapest option in any state

Liberty Mutual Reviews: What Do Customers Have to Say?

Customers and rating organizations generally have good to average things to say about Liberty Mutual.

A.M. Best, which analyzes the financial strength of insurance companies across the country, has awarded the company an A rating. Although an ‘A’ rating is considered good, that’s a lower rating than many of Liberty Mutual’s larger competitors.

Liberty Mutual has an A+ rating from the Better Business Bureau (BBB), which has accredited the company since 1931. The company has an average rating of 1.11 stars out of 5 on its BBB profile. That low rating is not unusual, as most do not rate their insurance company unless they have a negative experience.

J.D. Power ranked Liberty Mutual as the best insurance company in the United States for overall customer satisfaction in 2020. Liberty Mutual scored 872, ranking first among large insurers for customer satisfaction. J.D. Power speaks with real policyholders to analyze the average customer experience.

According to data from the National Association of Insurance Commissioners (NAIC), Liberty Mutual has more complaints than the average company of its size.

In most states, Liberty Mutual is more expensive than competing providers. Studies show that Liberty Mutual’s rates are 20% to 47% higher than the average industry rates, depending on your state.

Final Word on Liberty Mutual

Boston-headquartered Liberty Mutual is the sixth-largest insurance company in the United States. The company offers competitive pricing, an extensive range of products and discounts, and several unique features to distinguish it from the competition.

Although Liberty Mutual is not the cheapest provider in any state, the company has strong ratings for customer satisfaction, according to J.D. Power and other organizations.

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

Liberty Mutual Contact Information
Website	https://www.libertymutual.com/
Customer Service Phone Number	1-800-290-8206
Claims Phone Number	1-800-225-2467
States Served	All 50 States