With rates averaging around $130 per month, Liberty Mutual is a good car insurance company, according to first-hand reviews analyzed by Jerry’s research team.
We analyzed over 396 real customer reviews from Liberty Mutual. Of those reviews, we found that 59.92% were overwhelmingly positive, while 23.9% had a negative tone.
When compared to the national average of 64% positive reviews and 18.54% negative reviews, Liberty Mutual ranks a bit lower than some other large providers in our survey.
Liberty Mutual received mostly favorable comments, with praise directed at the company's reasonable
and excellent customer support. Here’s an overview of what customers had to say about Liberty Mutual overall:
Pros:
Friendly customer service
A variety of helpful and unique coverage options
Helpful website and mobile app
Affordable rates for drivers with an imperfect driving history
Cons:
Price increases at renewal
Slow roadside assistance
We also asked policyholders to rate Liberty Mutual on their overall affordability, claims experience, customer service, and renewal process.
See how Liberty Mutual’s ratings compared to the national average of all companies surveyed below:
Criteria
Liberty Mutual
National Average
Overall
3.6
4.1
Affordability
3.1
4.0
Claim Experience
3.3
4.2
Customer Service
3.7
3.8
Renewal Experience
3.7
4.3
When evaluating Liberty Mutual’s strengths and weaknesses, we thought it was important to take a look at how other industry leaders rated Liberty Mutual, in addition to our own survey data from real drivers. Here’s how Liberty Mutual stacks up against the national average for other insurance companies in the US:
Criteria
Liberty Mutual
Best score possible
BBB Rating
A+
A+
Clearsurance
3.95
5
A.M. Best Rating
A
A++
iOS App Store Rating
4.8
5
Google Play Store Rating
4.6
5
Is Liberty Mutual the right insurance company for you?
Liberty Mutual has a reputation for being one of the best car insurance companies for:
Drivers who are looking for unique coverage options
Teachers
Industry ratings—Liberty Mutual ranked third place for large insurers in J.D. Power’s 2022 U.S. Insurance Shopping Study1 and received high BBB and AM Best ratings
Liberty Mutual is available in all 50 states and the District of Columbia. They offer a variety of coverage options as well as
of $121 per month, Liberty Mutual is slightly more expensive than other major providers.
Policies with Liberty Mutual average about $130 per month overall. State minimum policies cost about $87 per month, while a full coverage policy typically costs about $174 per month.
Most Liberty Mutual customers found that they paid fair rates based on their driver profile. While some drivers complained of high costs, many said that Liberty Mutual offered the lowest rates despite the risk factors on the profile.
According to our survey results, 24.24% of all surveyed Liberty Mutual reviews directly mentioned cost. Of those reviews that mentioned cost, 47.92% were positive and 31.25% were critical.
Car insurance rates are highly individualized, meaning that every driver’s quote from Liberty Mutual will be different. Like other insurance companies, Liberty Mutual
Some of the reasons your rate might go up with Liberty Mutual include:
New violations or tickets
New accidents
New address
New vehicle on policy
New driver on policy
Inflation
According to our survey, 56% of drivers chose to renew their policy with Liberty Mutual.
It’s important to understand that insurance companies often make changes to the way they price their policies, and it’s normal to experience some fluctuation over time even if there are no changes to your driver profile.
will depend on the type of claim and how severe it is. After you file a claim, a Liberty Mutual Claims Representative will go over the details and contact you within one to two business days. You’ll be able to upload documents, schedule repairs, and more in your online account.
Your online account will also give you real-time updates on your claim’s progress.
56% of our survey respondents who have a policy from Liberty Mutual reported having filed a claim. These customers rated Liberty Mutual a 3.3/5 for their claims process and subsequent resolutions.
This indicated to us that some customers were dissatisfied with Liberty Mutual’s claims process. While this rating aligns with the overall national average, we ranked Liberty Mutual 17 overall when compared to companies of similar size when examining how verified customers reported their claims process experience with Liberty Mutual.
Does Liberty Mutual have good customer service?
Yes—customer service is one of Liberty Mutual’s strengths, but some providers do rank higher.
Survey respondents scored Liberty Mutual’s customer service a 3.6 out of 5.In other words, when compared to the national average of 4, Liberty Mutual ranks just slightly lower in terms of customer service—but with 64% overall positive reviews, we’d still call this a strength.
Highly rated reviews about Liberty Mutual’s customer service high marks often talked about how easy it was to get in touch with an insurance agent and how personal the service felt.
that can help you save money on your car insurance.
If you practice safe driving behaviors, don't drive too much, and buy more than one policy from the same car insurance provider, you may be eligible for discounts that reduce your auto insurance premium. Taking advantage of discounts is a great way to save money on your car insurance.
Liberty Mutual offers the following discounts:
Homeowner discount: Owning a home can get you a discount.
Members of the U.S. Armed Forces who are active, retired, or reserved qualify for a discount.
Early shopper discount: If you get a car insurance quote with Liberty Mutual before your policy expires, you could save when you sign-up with them again.
If all of your cars are insured with Liberty Mutual, you can earn a discount.
Preferred payment discount: Enrolling in automatic payments through your bank account or paying your premium in one or two payments can earn you a discount.
Online purchase discount: If you buy online, you can earn a discount.
Paperless policy discount: Signing up for a paperless policy can earn you a discount. Plus it is good for the environment!
The discounts offered with your Liberty Mutual policy are subject to change and may not be exactly the same as the discounts listed on our page. Contact Liberty Mutual’s customer service or
Most states require you to have a basic liability coverage policy. It pays for damage you cause to other drivers, not your own. Typically your policy will need to include
Collision coverage is an optional coverage for auto insurance that pays out when you damage your car in a collision with another car or stationary object, like a tree or guardrail.
This coverage can help you out if you get stranded on the side of the road. Includes towing, jumpstarting, fuel delivery, flat tire changes, unlocking, and more.
Gap insurance will help cover the difference between the amount that you still owe on your car loan and its actual cash value (ACV) if it’s stolen or is a total loss.
Better car replacement: Liberty Mutual will give you the money to purchase a car that is one model year newer than your car if it’s totaled in an accident.
, original parts replacement is an optional coverage that makes sure that when your car is repaired, the original parts your vehicle was built with will be used.
If your car can’t be driven after a claim that has been approved by Liberty Mutual, this policy add-on will help cover the cost of a rental car.
Teachers’ auto insurance: A coverage option that helps teachers save money on their car insurance. Teacher’s policies can include options like Vandalism Loss Protection, Personal Property Coverage, and Collision Coverage to help cover expenses from damages that occur while you’re working as a teacher.
Both uninsured and underinsured motorist coverage protect you if you are involved in an accident with an at-fault driver who doesn’t have car insurance.
Liberty Mutual’s additional tools and services
Liberty Mutual offers several additional tools and services for car insurance to enhance the overall customer experience and provide added benefits. Here are some common additional tools and services that Liberty Mutual offers:
RightTrack®: RightTrack is a program available through Liberty Mutual that allows policyholders to receive discounts if they practice safe driving habits. All you have to do is enroll and download the Liberty Mutual Mobile app. The app will track your driving habits and reward you for safe braking, accelerating, and more.
that allows customers to manage pay bills, change billing details, manage claims, download ID cards, and view their policy.
Online claims filing: Customers can file and track claims conveniently through Liberty Mutual's website or mobile app.
Keep in mind that these additional tools and services may vary by location and policy type. To get specific information about what Liberty Mutual currently offers in your area, visit their official website or get in touch with their customer service.
No spam or unwanted phone calls · No long forms · No fees
4.717k Ratings
5M+Drivers Joined
7M+Cars Garaged
FAQ
What can the Liberty Mutual mobile app do?
With the Liberty Mutual insurance app you can pay bills, change your billing information, manage any claims, download ID cards, and look at your policy.
experts conducted one of the largest car insurance studies in the US, collecting first-hand car insurance information over 18 months.
We surveyed over 18,000 real policyholders from all 50 states, asking them for their experience with their insurance company’s customer service, renewal process, claims handling, and more.
After carefully analyzing the data from over 120 insurance companies, our experts ranked Liberty Mutual 14th overall when compared to companies of similar size and popularity.
Liz Jenson
Liz Jenson is an insurance writer who specializes in general automotive and insurance topics. Liz’s mission is to produce informative and useful content to help car owners make smart choices when buying cars and car insurance. Since joining Jerry in 2021, Liz has written nearly 4,000 long- and short-form articles on topics including state-specific insurance recommendations, common car insurance questions, and deep dives into vehicle model details.
Before they came to Jerry, Liz was a full-time student at Indiana University, Bloomington working on a double major in English and French.
Sarah Gray
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.