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Liberty Mutual auto insurance is available across the nation with policy options ranging from state minimums to comprehensive coverage. Its prices are competitive, but not quite as low as some of the budget auto insurance providers. With a wide selection of policy options on an assortment of vehicles, Liberty Mutual is best for those who value great coverage backed by excellent service.
Where is Liberty Mutual available?
Liberty Mutual’s impressive size and vast network of sales professionals extend its reach to 18 different countries and markets across the globe. Its auto insurance policies are available in all 50 states including the District of Columbia.
What car insurance coverage does Liberty Mutual offer?
Choosing the right auto insurance provider also means finding a policy that works for your situation. Liberty Mutual offers a range of coverage options to get you the protection you need.
Bodily injury liability coverage. Medical expenses, legal fees, loss of income, pain and suffering and funeral costs are covered for the other party when you are found legally responsible for an auto accident. Legal defense costs are also covered if you are sued by the injured party for damages.
Property damage coverage. Covers the cost of repairing and replacing property that you’ve damaged with your vehicle. This can be anything from a tricycle in a driveway to another vehicle.
Medical payments coverage. Whether or not you are at fault, initial medical coverage for you and your passengers will be covered. This also includes any injuries cohabitating family members sustain in another person’s vehicle or as pedestrians.
Collision coverage. Any repairs needed as a result of an accident that involves a collision with another vehicle or an object, such as a pylon or a fence, will be covered under this optional feature.
Comprehensive coverage. Covers the cost of any repairs needed due to fire, theft, or other non-collision damages.
What extra benefits and add-ons does Liberty Mutual offer?
Liberty Mutual offers a suite of additional programs and features to supplement its already impressive auto insurance coverage:
Roadside assistance.Towing, jump starts, emergency fuel, changing flats, and unlocking vehicles are available 24-hours a day.
Accident forgiveness. If you are accident-free and violation-free for 5 years your first auto accident will not raise your rates.
Rental car reimbursement. This will cover the cost of a rental car while your car is in an approved shop for repairs from an accident.
New car replacement. This option covers you in the event that your car is completely totaled. Liberty Mutual will pay for a new vehicle if your totaled vehicle is under a year old and has less than 15,000 miles on it.
Better car replacement. You can get a better car that’s one model year newer with 15,000 fewer miles if your car is totaled.
Deductible fund. Similar to a no-claims bonus, this add-on lets you keep a pool of money available to put towards your deductible in the event of an accident. Every year that you qualify, Liberty Mutual will add $100 to the fund.
Mobile apps. Liberty Mutual offers mobile apps for both iPhone and Android. Use the app to manage your account, file claims and more.
Teachers auto insurance. If you are an educator, there are extra features that come standard on your policy. One of these features include $0 deductibles if your vehicle is vandalized or damaged in a collision when on school property or attending school events.
What discounts can I get with Liberty Mutual?
Liberty Mutual offers an assortment of discounts on its auto insurance policies. Here are a few of the many available discounts. While its prices are already competitive, these discounts might be the extra incentive you need to choose this provider.
Multi-policy discount. Get discounted rates when you have multiple types of insurance with Liberty Mutual.
New vehicle discount. Receive a discount when you add or change a vehicle on your policy.
Paid in full discount. Receive a discount for paying your premiums in a single, lump-sum payment.
Safety features discount. Get discounted rates when insuring vehicles with safety features such as anti-lock brakes and airbags.
Multi-vehicle discount. Receive a discount when you add multiple vehicles to your auto insurance policy with Liberty Mutual.
Teen driver discount. Discounted rates reward teen drivers for responsible driving
Good driver discount. Drivers with clean driving records can receive discounted rates.
Pros and cons of Liberty Mutual car insurance
Helpful website. The website is convenient, informative and easy to navigate. Visitors have easy access to policy details, educational resources and account management.
Convenience. Liberty Mutual’s online quote/application process and claims center make it convenient for those who don’t have a local agent nearby.
Comprehensive coverage. This provider is home to a wide range of coverage options backed by a lengthy list of additional programs. Its policies offer great coverage and a handful of features that you may not find with other providers.
Impersonal support. This provider does have a network of sales agents throughout the country, but many of its policies are sold online and by phone. While many other providers strive to provide a personal experience through independent agents, this provider’s services are a bit more impersonal.
Higher price. Though its prices are competitive, its policies are not always the cheapest option. Depending on your choice of policy, you may be better off with another provider.
How to apply for Liberty Mutual car insurance
Applying for auto insurance can be done online, by phone or in person. In many cases, you can even get covered within minutes. Here’s how to get started:
Start by visiting the official Liberty Mutual website,
Navigate to “Products” and “Get a quote.”
Choose auto insurance, then input your zip code and click “Get my price.”
Add your personal information.
Add your vehicle information.
Add info for any additional driver details.
Review and edit any details, then click “Save & continue”.
Review your quote. If you’re satisfied, proceed to purchase your policy.
If you’d rather get a quote and apply for coverage by phone, you can start by calling 1-866-681-9325.
If you prefer to speak with an agent face to face, you can use the agent locator tool on Liberty Mutual’s website to find your nearest agent.
Regardless of how you choose to apply, having the following information on hand can speed up your application process.
Name and date of birth
Social Security number
Vehicle information, including estimated annual mileage
Claim and credit history
Education history and employment status
What do customers say about Liberty Mutual?
On the BBB website, Liberty Mutual holds an A- rating and is officially accredited since 1931. It has a composite score of 3.3 out of 5 possible stars, a rating that considers both its letter grade and its long list of customer complaints. Most issues with this provider involve a lack of communication, denied claims and billing issues.
However, you should always keep in mind that most customers only leave reviews when service is either extraordinary or terrible. This means that there are likely thousands of customers who are satisfied with the service but never bothered to leave a review about it. Speak with friends and family or other customers to get a better idea of what to expect from this company.
How to contact Liberty Mutual
Liberty Mutual makes it easy to get in touch with a number of options. You can connect via email, phone, social media, mail and more.
Liberty Mutual is a mutual insurance company that was founded in 1912 in Boston, Massachusetts. Today, it is the fourth-largest property and casualty insurer in the United States with over $100 billion in protected assets. Its structure as a mutual insurance company means that policyholders are also considered shareholders.
This provider offers a range of auto insurance coverage options, appealing to customers from all demographics. With a dedication to customer service, Liberty Mutual makes the process of purchasing auto insurance understandable and easy. Its website empowers visitors to easily get a quote, check coverage minimums by state, and even purchase policies online to get coverage within minutes.
Alternatives to Liberty Mutual
Liberty Mutual offers a wide selection of coverage options backed by great customer service and a convenient online platform. From state minimums to medical payments coverage and beyond, this provider has something for everyone. However, if you’re looking for a more personal experience, you may want to look elsewhere.
Frequently asked questions about Liberty Mutual car insurance
Yes. Making changes to your policy is easy with Online Policy Change. You can update your coverage, drivers, vehicles, contact information, and other information relevant to your policy.
Changes that impact your premium come with an updated insurance quote that’s good for 14 days and can be completed at your convenience. Please register here if you don’t already have an online account.
Yes. Your policy automatically renews upon expiration and requires no further action.
Yes. Paying your bill online is the fastest and most convenient way to pay. In fact, you don’t even need to log in to make a one-time monthly payment. You can also log in to make a payment if you’d prefer, or to set monthly auto-pay online.
Yes. When you get a quote online, Liberty Mutual will ask simple questions to learn a little bit more about you and your eligible discounts. Where applicable, these discounts are then added to your quote and your final rate.
Once you become a Liberty Mutual customer, you can find all active savings applied to your policies by selecting Policies, then scrolling down to Policy Savings in the drop-down.
Visit the official Liberty Mutual website then scroll down and click “File a claim”
Log in to your Liberty Mutual account
Enter any necessary information, then proceed to submit your claim.
A representative will reach out with more details or you can log in to check claim status.
By phone Start by calling 1-844-825-2467 to speak with a representative. They can walk you through the entire process. Mobile app You can also file a claim directly through the iPhone and Android mobile apps. Simply open the app, navigate to the claims center, select file a new claim, and proceed through each of the steps.
Regardless of how you file your claim, having the following information on hand can help speed up the process:
Driver details for all parties
Vehicle details for all parties
Insurance information for all parties
Yes. You can find all general policy documentation on your account details. Once you log in, click on “View Documents” to view your policy details.
Rhys Subitch is a content creator and editor for finder.com. They specialize in updating information on various pages to keep everything accurate for the readers, and enjoy the time they get to spend researching various topics because of it. Rhys lives with their cat and partner in Seattle. When not working they enjoy working on sewing and other craft projects.
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