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Liberty Mutual offers a strong accident forgiveness policy and provides coverage options for drivers in every niche. Not to mention, it’s one of the most popular vehicle insurance providers in the country. But is their vehicle insurance coverage right for you?

Car insurance comparison shopping app,

Jerry

has compiled everything you need to know about your

car insurance quotes

from Liberty Mutual.

If you’re on the lookout for a new insurance company, Jerry can provide you with competitive quotes in under a minute. Swapping is just as effortless. Jerry takes care of all the paperwork, phone, calls, and even cancels your old policy on your behalf–Oh, and it’s free!

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How much does Liberty Mutual car insurance cost?

The average annual national cost for a Liberty Mutual car insurance policy is around $179 a month for a minimum liability package. However, if you want full-coverage options, you will probably be looking at a price point closer to $282 a month.

Keep in mind, insurance rates can fluctuate drastically depending on the type of vehicle you drive, your location, your driving record, your age, and the type of tailored options you add to your policy.

For instance, if you have an accident on your driving record, you will probably be paying closer to $323 a month for a full-coverage plan, while an at-fault accident on your record might leave you looking at monthly costs of around $346 for the same policy.

The best way to get a good idea of what you can expect to pay for the coverage you need is to use

Jerry

to assess your needs and generate a hassle-free car insurance quote.

Jerry will take care of all the hard work that makes car insurance shopping a pain. In fact, it only takes a few clicks to end up with the best coverage for the best price.

Liberty Mutual pros and cons

Pros:

Offers a strong accident forgiveness pack for drivers with a clean record

Provides an ample range of coverage options, add-ons, and discount options

Online claims filing options can help simplify the process

Cons:

Tends to earn lower customer satisfaction ratings than some other big-name providers

Coverage options, discount availability, and pricing can vary widely from state-to-state

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Different types of car insurance

Liberty Mutual coverage options

Bodily injury/Property damage liability

Liberty Mutual’s

bodily injury liability coverage package

will cover medical expenses or legal fees up to your policy’s limit if you end up being found at fault for an accident. This may include loss of income, pain, and suffering, and funeral costs for the other party as well.

Medical payments

Medical payment coverage

is sold as an optional add-on that will help cover the costs of any medical or funeral expenses for you, your family members who live with you, or your passengers regardless of who is at fault.

Uninsured motorist/Underinsured motorist

Liberty mutual offers an

uninsured motorist package

that is designed to protect you should you find yourself in an accident with an at-fault driver who doesn’t have liability coverage.

Collision coverage

will help cover the cost of repairing or replacing your vehicle up to your policy limit if you are involved in a collision with another vehicle or object.

Comprehensive coverage

Comprehensive coverage policies

come into effect when a vehicle is damaged or destroyed by external circumstances that aren’t covered by your collision coverage policy.

Liberty Mutual’s comprehensive insurance package will help protect you should your vehicle be destroyed or damaged by the following.

Storms

Floods

Theft

Vandalism

Fires

Optional insurance coverage options

Liberty Mutual deductible fund

The Liberty Mutual Deductible Fund program is a customized policy option that increases your premium by $30 a year in exchange for reducing your deductible by $100 a year. This means that if you have a $500 deductible, it will be reduced to $0 after five years on the deductible fund program.

Accident forgiveness

The Liberty Mutual Accident Forgiveness program is a feature that might be added to your policy if you meet the eligibility requirements. If you qualify for the program, you will be

forgiven for your first accident

without having to worry about shouldering an increase in your premiums as a result.

In order to qualify, you must meet the following minimum criteria.

You have had no accidents or violations on your record in the last five years.

If you are 25 or under, you must have already accumulated five consecutive clean years to have an accident forgiven.

Better Car Replacement

Liberty Mutual’s Better Car Replacement package is an optional policy add-on that will increase your policy limit to cover the cost of a one-year-newer, 15,000 fewer miles model if your covered vehicle is deemed a total loss after an incident.

For example, a 2018 model with 50,000 miles would be replaced with the money to cover the cost of a 2019 model with 35,000 miles.

New car replacement

When it comes to insuring new vehicles, even if you’ve purchased extensive coverage, you will still have to shoulder the cost of depreciation if your car is deemed a total loss.

Liberty Mutual’s optional

new car replacement coverage

add-on helps mitigate this risk by replacing any totaled vehicle under this policy (that is less than a year old and has fewer than 15,000 miles on the odometer) with a totally new vehicle.

Rental car reimbursement

Rental reimbursement coverage

is an optional policy add-on that will cover you for the out-of-pocket cost of a rental car if your vehicle ends up in the repair shop after a claimable incident.

Liberty Mutual’s package is unique in that you will be covered for however long the repairs take if you have your car repaired at a Liberty Mutual-approved repair facility.

Lifetime repair guarantee

This policy add-on will simplify the repair process following a claim. Providing you own the vehicle, Liberty Mutual will arrange for repairs at a facility in their Guaranteed Repair Network and pay the shop directly so that you don’t have to shoulder any out-of-pocket costs (up to your policy limit). The repairs will be backed with a lifetime guarantee.

Teacher’s insurance

Liberty Mutual offers teachers and educators the potential to cash in discounts and savings on their policy, as well as providing extra protection and deductible waivers for accidents that occur while conducting school business or transporting classroom materials.

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Liberty Mutual car insurance discounts

Who wouldn’t want to cash in on an opportunity to save on their car insurance? Liberty Mutual has earned a reputation for offering stellar discount packages, but keep in mind that discount offerings might be limited in some states.

Keeping that in mind, you might be able to save anywhere from 5 - 45% on your policy if you are able to take advantage of any of the following discount packages:

Advance shopper discount

Driving training discount

RightTrack Discount

Anti-Theft Device Discount

Good Student Discount

Passive Restraint Discount

Starting your auto quote online discount

Multiple Vehicle Discount

Liberty Mutual vs. other insurance companies

Here’s how Liberty Mutual stacks up to two of their major competitors, Progressive and Nationwide, in terms of car insurance quotes and service.

Liberty Mutual vs. Progressive

Both Liberty and Progressive offer their clients a convenient

online claim filing process

and up-to-date features. However, Liberty Mutual gets the upper hand against Progressive in that they offer a wider range of add-ons and discount potential.

That said, Progressive still has some potentially useful offerings that Liberty Mutual lacks. If you are looking for a strong continuous insurance discount or rideshare coverage offerings, Progressive is probably a better choice for you.

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Best rideshare insurance costs and providers

Liberty Mutual vs. Nationwide

Once again, there is really no clear winner when combining Liberty Mutual’s car insurance service and offerings with Nationwide. They both offer reasonable 24/7 support and easy online claim-filing options.

Liberty Mutual does have a slightly better range of discounts and supplemental coverage options available, so if you are looking for more ways to save or better-tailored policy options, Liberty Mutual could be a good choice.

What is Liberty Mutual Insurance?

Liberty Mutual was founded over a century ago in 1912, originally created to provide workers in Massachusetts with worker’s compensation insurance.

Today, this Boston-based company offers up a range of attractive full-coverage car insurance quotes and plenty of great features and add-on options.

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How to get a Liberty Mutual car insurance quote

There are a lot of ways to get a Liberty Mutual car insurance quote, but using their online tool to drum up free car insurance quotes is the most simple way to go.

As an added bonus, you can automatically save up to 12% on your Liberty Mutual car insurance package when you use the Liberty Mutual online quote tool to get car insurance quotes, so sometimes, keeping it simple really does pay off.

The downside here is that none of the above methods let you compare options and price points offered up by different providers. The easiest and most effective way to comparison shop for car insurance is by using

Jerry

to find the quote that works for you.

Jerry will handle the paperwork and even contact the company on your behalf, no phone calls, paperwork, or fees–just savings.

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"I am very pleased with my policy. The price is amazing! If you are looking for a great insurance price, go to Jerry. You won’t be disappointed. Amazing people and prices!" - Satisfied Jerry User

Liberty Mutual car insurance reviews

According to the

2018 J.D. Power Associates U.S. Auto Insurance Satisfaction Study

, Liberty Mutual customers report average or lower than average ratings across the board.

Liberty Mutual auto insurance receives "about average scores" in the following categories:

Repair Process

First Notice of Loss

Rental Experience Meanwhile, the scores chock up to below average in the following categories:

Settlement

Claim Processing

Overall Satisfaction

Estimation Process

Liberty Mutual does score better in the

2018 U.S Auto Insurance Shopping Study

. They come in as better than most in all of the following categories:

Insurer Website

Local Agent

Policy Offerings

According to the same survey, Liberty Mutual receives average scores in these categories:

Call Center Representative

Overall Satisfaction

Pricing

Suffice it to say that Liberty Mutual’s average customer is probably not the happiest camper, but they do score well in terms of the shopping experience as a whole.

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Liberty Mutual’s services and features

The Liberty Mutual RightTrack® Program

When you sign up for a voluntary driver tracking service, you could be awarded up to 30% savings on your policy for safe driving habits. Liberty Mutual guarantees a discount just for signing up.

The Liberty Mutual Mobile App

Liberty Mutual’s mobile app helps make it easy for you to manage your policy wherever you go.

The app is easy-to-use and well-rated and will allow you to do the following:

Obtain your ID cards

View and pay bills

File and manage claims

View your policy documentation

Review and update your policy

Roadside Assistance

The Liberty Mutual Roadside Assistance program is an optional policy add-on that will cover you up to your policy limit for the following:

Towing services to the nearest qualified facility

Dead battery jump starts

Emergency fuel deliveries (excludes the cost of fuel)

Tire changes

Vehicle unlocking services

24-hour emergency assistance support

Liberty Mutual’s Roadside assistance is only available to you if you are subscribed to the policy.

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Car repairs covered by insurance

How to file a claim with Liberty Mutual

Liberty Mutual boasts of their easy 10-minute online claim filing process, and this is probably the best way to go if you have access to their webpage or mobile app.

Using the mobile app will make it easier to upload any relevant data quickly and efficiently. Alternately, you can also call or visit an agent in person.

Once you begin the claims process, you will receive a claim number that you will need to keep handy throughout the course of the claims investigation process.

In order to ensure the claim filing process goes as smoothly as possible, be prepared to provide the following information whenever possible.

The location, date, and time of the accident

The names, addresses, phone numbers, and insurance policy numbers of anybody else involved

A summary of the weather conditions

Photo evidence of the accident scene and damage

Any relevant copies of the police and/or accident reports Once the claim is filed, it's a good idea to review your policy so you have an idea of what to expect with regard to your particular coverage. Once your claim is approved, you can proceed with the repairs and secure a replacement vehicle (if it is part of your coverage plan).

Liberty Mutual cancellation policy

If you want to cancel your Liberty Mutual insurance policy, you will need to call and speak to an agent in order to do so. Unfortunately, canceling online or via the mobile app is not an option. Be warned that cancelation fees may apply.

You might be required to provide the following information, so it is always a good idea to have it handy beforehand:

The bill of sale or other proof of forfeiture of ownership for your vehicle

The effective policy cancellation date

Information on your new policy or provider

The Takeaway: is Liberty Mutual right for me?

To sum it all up, Liberty Mutual is a great choice for anybody looking for customizable policy options, convenient online tools, and access to a full range of discounts.

As their below-average customer rating scores testify, it isn't such a great choice if customer service and reliable claims processing is a priority for you.

When all is said and done, there are a lot of different things to keep in mind when trying to decide what type of car insurance policy is right for you.

The most intuitive way to accurately simplify the process is to take advantage of Jerry's powerful technology to generate and compare car insurance quotes.

Jerry

will not only give you the power to make the right decision on your car insurance but will also handle all the tedious phone calls, paperwork, and renewals so that you don’t have to. So are you ready to hop into the driver’s seat?

FAQs

Is Liberty Mutual good car insurance?

Liberty Mutual is great option for car insurance shoppers wanting customizable policies with access to a large range of discount and online tools, though shoppers may find lower premiums elsewhere depending on their needs.

Does Liberty Mutual charge a cancellation fee?

Usually, customers won't be charged a cancellation fee for cancelling their Liberty Mutual policy, but some customers have reported cancellation fees of $100. This may depend on your state or the amount of time left in your policy when you cancel. Call your agent to be sure you won't be charged before cancelling.

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