Liberty Auto Insurance Review [2024]
Liberty Mutual provides competitive auto insurance rates, a range of coverage options, and multiple discounts for customers seeking reliable protection.
Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...
Licensed Insurance Agent
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Liberty Mutual
Average Monthly Rate For Good Drivers
$174A.M. Best Rating:
AComplaint Level:
HighPros
- Competitive rates can be lowered by combining various discounts.
- Has been rated “A” by A.M. Best, indicating excellent financial strength.
- Offers multiple mobile apps that allow customers to complete various tasks.
- Allows customers to file claims online, by phone, or in person.
- Has a long history in the insurance industry with a strong presence in over 20 countries.
- Multiple discount opportunities
- Wide range of coverage options
Cons
- Has received a higher number of complaints than similarly-sized competitors, according to the NAIC.
- The BBB has received 1,220 complaints about Liberty during the past three years.
- Some complaints about products, services, and billing practices
- Ratings from credit agencies not at the top of the scale
- Liberty auto insurance has competitive rates
- Liberty auto insurance provides a wide range of coverages
- Liberty auto insurance has been rated "A" by A.M. Best
Liberty Mutual provides auto insurance with competitive rates that customers can lower by combining various discounts. Additionally, Liberty has been rated “A” by A.M. Best, indicating excellent financial strength.
Discovering more about Liberty auto insurance will help you decide if the company is right for you. Before jumping into this Liberty auto insurance review, enter your ZIP code to find car insurance rates in your area.
What You Should Know About liberty mutual insurance
Credit rating agencies review the financial strength of insurance companies. Then, the agencies rate them, indicating whether a company will provide a payout when you file a claim. The most trusted agencies have completed Liberty auto insurance reviews.
Liberty Mutual has been rated “A” (“Excellent”) by A.M. Best and S&P and “A2” (“Prime”) by Moody’s. None of these ratings are at the top of the agency’s scale. However, they all indicate that the company is financially sound.
Additionally, Liberty Mutual is rated A+ from the Better Business Bureau (BBB), indicating that the company is transparent and trustworthy when dealing with customers.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
What is the Liberty auto insurance company’s history?
Liberty Mutual began in 1912 as the Massachusetts Employees’ Insurance Association in Boston. In 1917 the company name was changed to Liberty Mutual. Today, the company has more than 900 offices in 20 countries.
Does Liberty auto insurance have any complaints?
The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) list complaints made about insurance companies. Examining these complaints allow customers to determine the company’s quality of service.
At the time of this review, the BBB has received 1,220 complaints about Liberty during the past three years. The majority of these complaints are about the company’s products and services, though a considerable number are about the company’s billing practices.
According to the NAIC, Liberty insurance has a complaint index ratio of 2.20. This number indicates that Liberty has more than double the number of complaints about a competitor of a similar size.
While Liberty has many complaints, reading through customers’ grievances will help you determine if they should be a concern when choosing an auto insurance company.
Does Liberty auto insurance have a mobile app?
Liberty Mutual has multiple mobile apps that allow customers to complete various tasks. These apps are available on any mobile device. The primary app will enable customers to:
- Make payments
- View policy details
- Change coverage
- Make claims
- Request roadside assistance
Additionally, the Liberty Mutual CarZen app assists customers with car shopping. Customers can use this app to research cars, see photos of the vehicle, and read reviews about the vehicle they’re considering.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
How can you file Liberty auto insurance claims?
After you purchase an auto insurance policy from Liberty Mutual, you create an account on the company website. In addition to changing coverage options, customers can log in to file a claim. Liberty allows customers to file claims online, by phone, or in person.
The claims process typically takes less than 10 minutes to complete. To file a claim, customers need some basic information, including:
- Username and password
- Approximate date of the incident
- General details about what happened
After filing the claim, a Liberty claims adjuster will review the damage. This assessment might only require photos of the incident but could also require interviews with witnesses. They will then estimate the cost of the repairs or replacement, allowing them to determine the final payout.
liberty mutual insurance Insurance Coverage Options
Each state requires that drivers carry a minimum amount of insurance, but this isn’t enough to cover all situations. Increasing your coverage will prepare you for any incident, ensuring that you don’t have to pay the expenses out of pocket.
If your vehicle is financed, the bank or dealership that holds the loan may require you to have full coverage until you pay off the car. Insurance companies sell auto coverages individually, so there isn’t a full coverage option. However, purchasing all of the typical insurance coverages is called full coverage.
The following table shows the primary insurance coverages that make up a full coverage plan and the purpose of each type of coverage.
Liberty Auto Insurance Coverages
| Auto Insurance Types | Purpose of Coverage |
|---|---|
| Bodily injury liability | Pays for medical bills if someone else suffers an injury in an accident caused by you. |
| Collision | Covers damage to your car after an accident. |
| Comprehensive | Covers damage to your car when you’re not driving. |
| Property damage liability | Liability coverage that covers the cost of any property damage you’ve caused in an accident. |
| Uninsured/underinsured motorist | Covers the costs if you’re in an accident caused by a driver with little or no car insurance. |
In addition to these common coverages, Liberty provides options for its customers to purchase. These options are not mandatory but will give more protection if you get into an accident or suffer damage to your vehicle. The following are options offered by Liberty.
- Accident forgiveness: Rates won’t increase after your first accident.
- New car replacement: Reimburses policyholder for the cost of a new car if the insured car is totaled during the first model year and first 15,000 miles.
- Better car replacement: Reimburses for a car one model year newer and 15,000 fewer miles than on the totaled vehicle.
- Deductible fund: Lowers your collision deductible.
- GAP insurance: Pays the difference between the amount owed and the value of your car.
- Original parts replacement: Ensures the damaged car is repaired with original manufacturer parts when available.
Additionally, Liberty customers can add roadside assistance to their policy for $12 to $20 annually. This coverage allows the driver to receive help 24 hours a day if they have car trouble. Purchasing this coverage allows the insured to receive support such as:
- Towing
- Battery service
- Gas delivery
- Flat tire repair
- Locksmith service
Customers can request roadside assistance by calling the Liberty auto insurance phone number at 1-800-426-9898. You can also find help online or on their mobile app. Adding this coverage to your policy increases Liberty auto insurance quotes.
In addition to car insurance, Liberty Mutual sells other types of coverage, including motorcycle insurance, renters insurance, and homeowners insurance. (For more information, read our “Liberty Mutual Homeowners Insurance Review“).
liberty mutual insurance Insurance Rates Breakdown
Compare RatesStart Now →
"}” data-sheets-userformat=”{"2":4737,"3":{"1":0},"10":2,"12":0,"15":"Arial"}”>
| Driver Profile | Liberty Auto Insurance | National Average |
|---|---|---|
| Clean Record | $240 | $245 |
| 1+ Ticket | $315 | $330 |
| 1+ Accident | $325 | $340 |
| DUI | $350 | $350 |
| Poor Credit | $413 | $421 |
The cost of coverage is a common concern among customers looking for auto insurance. There are many aspects of car insurance to consider, but the price is often a determining factor. Various factors go into determining an individual’s car insurance costs. Some of the factors that insurance providers consider include:
- Age
- Gender
- Driving history
- Credit score
- Lifestyle
The cost of your coverage will depend on these factors, so you’ll have to look for an individual quote to find an accurate estimate. However, examining the average rates of car insurance will give you an idea of what you’ll pay.
In most states, drivers must maintain a minimum amount of insurance. This minimum coverage usually consists of liability. The following chart shows the average annual Liberty auto insurance minimum coverage rates based on age.
Liberty Auto Insurance Average Annual Minimum Coverage Rates By Age
| Driver's Age | Liberty Auto Insurance Annual Minimum Coverage Rates |
|---|---|
| 16 | $2,412 |
| 21 | $1,261 |
| 25 | $1,052 |
| 45 | $879 |
| 60 | $913 |
As you can see, rates decrease as drivers age but slightly increase when they become senior citizens. Liberty auto insurance rates are most affordable for drivers in their 30s and 40s.
Read more: Best Auto Insurance for Seniors
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
liberty mutual insurance Discounts Available
Compare RatesStart Now →
"}” data-sheets-userformat=”{"2":4737,"3":{"1":0},"10":2,"12":0,"15":"Arial"}”>
| Discount | Liberty Auto Insurance |
|---|---|
| Anti Theft | 7% |
| Good Student | 10% |
| Low Mileage | 8% |
| Paperless | 5% |
| Safe Driver | 12% |
| Senior Driver | 6% |
Depending on your age, driving history and other factors, auto insurance can be expensive. Liberty provides various discounts that can help you lower your rates. These deals depend on multiple factors, including your:
- Car
- Multi-car or multi-policy
- Insurance purchases
- Safe driver
The following table shows the Liberty auto insurance company discounts and the eligibility of each saving opportunity.
Liberty Auto Insurance Discounts
| Auto Discount | Discount Eligibility |
|---|---|
| Homeowner | Insured owns a single-family home. |
| Military | Insured is a current or former member of the military. |
| Early shopping | Request a quote before your current insurance policy expires. |
| Good student | High school or college students with at least a 3.0 grade point average. |
| Green vehicle | Drive a hybrid or electric vehicle. |
| Anti-lock brakes | Cars with factory-installed anti-lock brakes. |
| Anti-theft | Cars include anti-theft devices, like alarms, tracking systems, and kill switches. |
| Safe driver | Display safe driving habits, like having passengers wear seat belts, low driving speeds, and less aggressive driving. |
| Multi-car policy | Insure more than one car on a single auto insurance policy. |
| Multi-policy | Bundling different types of insurance. |
| Paid in full | Policy is paid in one payment. |
| Online purchase | Purchase a policy online. |
| Electronic paperwork | Receive paperwork electronically. |
Combining as many discounts as possible will help you find the best rates. When inquiring about quotes, asking a representative about these saving opportunities will help you find all deals for which you qualify.
How liberty mutual insurance Ranks Among Providers
When considering auto insurance options, it’s crucial to explore a range of providers to make an informed decision. Liberty Mutual, a well-known insurance company, faces competition from several prominent players in the industry. Each competitor offers distinct services and features, catering to diverse customer needs and preferences.
- State Farm: Renowned for its extensive agent network, State Farm offers a wide range of insurance products, including auto, home, and life insurance, with a strong emphasis on personalized customer service.
- Geico: Known for its catchy advertisements and competitive rates, Geico provides direct-to-consumer insurance, offering quotes online and over the phone, making it a popular choice for tech-savvy customers seeking convenience.
- Allstate: With a focus on innovative tools like Drivewise and comprehensive coverage options, Allstate aims to provide customers with personalized policies and has a vast network of agents across the country.
- Progressive: Renowned for its Snapshot program and user-friendly online platform, Progressive offers a range of discounts and customizable policies, appealing to customers seeking digital convenience and affordability.
- USAA: Catering primarily to military members and their families, USAA stands out for its exceptional customer service, loyalty programs, and comprehensive coverage tailored to the unique needs of military personnel.
Each of these competitors brings its strengths to the table, whether it’s personalized service, digital innovation, or specialized offerings. Exploring these alternatives can help individuals find the right fit for their insurance needs.
Read more: bLiberty Mutual Personal Insurance Company Review
Effortless Claims Process at Liberty Mutual
Ease of filing a claim (online, over the phone, mobile apps)
Liberty Mutual allows customers to file claims online, by phone, or in person. The process typically takes less than 10 minutes and involves basic information.
Average claim processing time
The claim processing time can vary based on the nature of the claim and the necessary assessments. However, Liberty Mutual aims to streamline the process, ensuring a prompt resolution.
Customer feedback on claim resolutions and payouts
Customer feedback about claim resolutions and payouts at Liberty Mutual varies. While the company has received complaints, individual experiences may differ. Evaluating customer reviews provides insights into the claim-handling satisfaction level.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
Unlocking Cutting-Edge Digital Features at Liberty Mutual
Mobile app features and functionality
Liberty Mutual offers multiple mobile apps that enable customers to manage policies, file claims, access roadside assistance, and even assist with car shopping through the CarZen app.
Online account management capabilities
Customers can create accounts on Liberty Mutual’s website to manage policies, file claims, adjust coverage options, and access various resources conveniently.
Digital tools and resources
The digital tools provided by Liberty Mutual facilitate policy management, claims filing, and accessing support services, ensuring a seamless user experience across multiple devices.
Frequently Asked Questions
How does Liberty Mutual differentiate itself in the auto insurance market?
Liberty Mutual stands out by offering competitive rates, various coverage options, and multiple discounts, aiming to provide affordable insurance solutions to customers nationwide.
What are the financial ratings and customer service feedback for Liberty Auto Insurance?
Liberty Mutual has received an “A” rating from A.M. Best, indicating excellent financial strength, but has garnered complaints, with 1,220 recorded by the Better Business Bureau over three years, mostly regarding products, services, and billing practices.
Does Liberty Mutual provide mobile app support for policy management and claims?
Yes, Liberty Mutual offers multiple mobile apps allowing customers to manage policies, file claims, access roadside assistance, and even assist with car shopping through the CarZen app.
What additional coverage options and services does Liberty Auto Insurance offer?
Liberty provides various optional coverages beyond the standard, including roadside assistance, and offers other insurance types such as motorcycle, renters, and homeowners insurance.
Compare Insurance Providers Rates to Save Up to 75%
Secured with SHA-256 Encryption
Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
![](/wp-content/uploads/dw/-"Bf1uk".png)
Doug Bauman
Liberty Mutual Insurance review
Ca_Issacs
Trash company
Mikem72262
Liberty is an over charging company
Brian_B
Don't ever expect help if you need it.
Jayden09_
NO SECOND CHANCES FOR LOYAL CUSTOMERS!!!
Tucky
Paying my Auto Insurance in the rears?
Zzzzzzz6969
Run away become they will cancel you
NG1989
Appraisers short change customers
M__Atif
Terrible Company when it comes to honor their liability
pstringer818_gmail_com
WARNING!