Does Liberty Mutual Have Good Car Insurance Discounts?

Liberty Mutual has 13 discounts available for drivers. See which ones you may qualify for here!
Written by Brittni Brinn
Reviewed by Hillary Kobayashi
Liberty Mutual offers a variety of discounts that can help you save on your car insurance. From good student discounts to signing up for paperless billing to the RightTrack telematics program, you can reduce your insurance rates by up to 30%.
Discounts are an excellent way to get a lower rate on your premiums without cutting out coverage. Since Liberty Mutual offers customizable policies and has a suite of discounts available for policyholders, there are plenty of opportunities to find
cheap car insurance
Although Liberty Mutual currently has 13 discounts listed on its website, it’s a good idea to ask your insurance agent about other regional and seasonal discounts. But first, let’s go over Liberty Mutual’s main discounts.

What auto insurance discounts does Liberty Mutual offer?

Liberty Mutual
splits its
car insurance discounts
into three easy categories: Discounts for Drivers, Discounts for Your Driving, and Discounts for Your Auto Insurance Policy.
Remember, you may qualify for more than one discount—the more discounts you stack, the more you can save on your monthly insurance bill!
Let’s go through the various savings offered in each of Liberty Mutual’s discount categories.
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Liberty Mutual Discounts for Drivers

Liberty Mutual is big on providing customized coverage that fits your lifestyle—and that extends to discounts. There are a few offerings for drivers based on life stage, other assets, and affiliations. Here are the discounts you can get just for being you:
  • Homeowner Discount: You can get a discount just for owning a house! That’s a pretty nice perk.
  • Military Discount: Liberty Mutual thanks active, retired, or reserved members of the U.S. Armed Forces for their service by providing a discount.
  • Early Shopper Discount: Requesting a car insurance quote before your current policy expires will help you save on your new policy.
  • Good Student Discount: Drivers enrolled in school with a B average or better are eligible for a discount.
  • Student-Away-at-School Discount
    : If your child is away at school and only drives your car on weekends or holidays, you could get a discount on your policy. 
MORE: How to save on car insurance with a good student discount

Liberty Mutual Discounts for Your Driving

A sure way to save on your car insurance is to drive safely. You can even sign up for a telematics program to prove how good of a driver you are! Here are a few discounts Liberty Mutual hands out based on your driving history:
  • Claims-Free Discount: If you’ve never made a claim, you’ll get a reduced rate from Liberty Mutual.
  • Violation-Free Discount: Similarly, if your driving history is free of traffic violations and citations, you’ll get rewarded with a discount.
  • RightTrack: You can get two separate discounts for signing up for Liberty Mutual’s telematics program—one just for participating and one for completing the program for up to 30% savings (as long as you drive safely, of course!).

Liberty Mutual Discounts for Your Auto Insurance Policy

Sometimes, making your insurance more convenient can also reduce your insurance premiums. From billing to bundling options, here are some discounts based on how and when you pay for your car insurance: 
  • Multi-Car Discount: Insure
    two or more vehicles
    with Liberty Mutual and you can save.
  • Multi-Policy Discount: You can bundle condo insurance, home insurance, and/or renters insurance together with your auto policy to get a discounted rate. 
  • Preferred Payment Discount: Approving automatic payments from your bank account or paying for your policy in one or two bulk payments will result in a discount.
  • Online Purchase Discount: All you have to do for this discount is purchase your policy online. Easy, right?
  • Paperless Policy: Receiving your bills digitally saves trees—it also saves you money.

Does Liberty Mutual have good car insurance discounts?

Overall, Liberty Mutual offers competitive insurance rates for young drivers, college students, and military personnel. It offers a customizable auto insurance plan and a decent number of discounts that can help you save.
Some discounts are pretty common—for example,
also reward policyholders who are homeowners just for having a house as an asset. On the other hand, there are other discounts that you won’t find with Liberty Mutual—for example, you can get a discount just for switching your policy over to
and American Family.  
Liberty Mutual has 13 discounts currently listed on its website—which is fewer than what other providers offer. However, if you’re eligible for a few of Liberty Mutual’s discounts, it can make the company a top choice in your search for the best car insurance rates. It’s good practice to compare rates from at least three companies and discuss your discount eligibility with a Liberty Mutual agent before deciding what the best provider is for you!
 “I was paying $350 a month for my new car. With
, I set up a new policy in under 30 minutes that will save me over $1000 a year!” —Mariah K.
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Yes. If you are an active, retired, or reserved member of the US Armed Forces, you are eligible for a Military Discount from Liberty Mutual. You can request a quote online or by calling 1-844-349-8365.
In order to qualify for Liberty Mutual’s Good Student Discount, you must be able to show proof of enrollment and maintain a grade average of at least a B. Even though grades don’t affect your driving, car insurance companies tend to consider students with higher grades as being more responsible (A.K.A. less of a risk on the road).
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