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Expert review
Liberty Mutual offers a wide selection of coverage options backed by solid customer service and a convenient online platform. Also, you could benefit from additional programs and features that other companies don’t offer.
However, if you’re looking for a more personal experience or the most affordable option, you may want to look elsewhere.
Liberty Mutual car insurance quotes
Libery Mutual tends to have more expensive rates than competitors, coming in around 50% more than the national average in states like California. Compare sample annual quotes for Liberty Mutual car insurance.
California
New York
Georgia
18 year old man
$138
$1,272
$136
18 year old woman
$133
$839
$130
25 year old man
$96
$645
$93
25 year old woman
$92
$542
$89
35 year old man
$47
$316
$46
35 year old woman
$47
$316
$46
45 year old man
$43
$316
$42
45 year old woman
$52
$316
$42
56 year old man
$51
$286
$42
56 year old woman
$51
$286
$42
To determine our estimated cost, we aggregated quotes from insurance companies using this profile:
Single
Good credit
Sedan
State minimum
Currently insured
How to apply for Liberty Mutual car insurance
You can apply for auto insurance online, by phone or in person with Liberty Mutual. In many cases, you can get covered within minutes. Get started with these steps:
Online
Go to Liberty Mutual’s website and navigate to Products and Get a quote.
Choose auto insurance, then input your zip code and click Get my price.
Add your personal information and info for any other drivers.
Add your vehicle information.
Review your details and your quote. If you’re satisfied, proceed to purchase your policy.
Phone. If you’d rather get a quote and apply by phone, you can start by calling 866-681-9325.
Agent. If you prefer to speak face to face, use the agent locator tool on Liberty Mutual’s website to find your nearest agent.
What do I need to apply?
Having some information on hand can speed up your application process, including:
Name and date of birth
Social Security number
Address
Vehicle information, including estimated annual mileage
Previous insurance company
Claim and credit history
Education and employment status
How to find Liberty Mutal insurance near me
The company has a limited number of agents in different states. You can see if an agent works near you through Liberty Mutual’s agent locator:
From Liberty Mutual’s main website, enter your ZIP code in the Find a local agent box. Click Go.
Choose your preferred office from the list.
Go to the address for an in-person visit or call the number listed.
Liberty Mutual offers a standard list of discounts on its auto insurance policies.
Good driver. Any driver with a clean record can get discounted rates as a reward.
Multi-policy. Get discounted rates when you have multiple types of insurance with Liberty Mutual.
Multi-vehicle. Receive a discount when you add multiple vehicles to your Liberty Mutual auto insurance policy.
New vehicle. Lower your premium when you add a new vehicle to your policy.
Paid in full. Pay less when pay your premium in a single, lump-sum payment.
Safety features. Get discounted rates when insuring a car with safety features like antilock brakes and airbags.
Teen driver. Discounted rates reward teen drivers for responsible driving with no claims.
Telematics. Save up to 30% through Liberty Mutual’s RightTrack program. Once you sign up, the program tracks habits like your braking, mileage and the number of night trips.
What car insurance coverage does Liberty Mutual offer?
Liberty Mutual offers a wide range of coverage options to give you ample protection.
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.
Bodily injury liability. Covers medical expenses, legal fees and pain and suffering for someone else when you’re responsible for an accident.
Collision. Pays for repairs caused by a collision with another car or an object is protected under this optional coverage.
Comprehensive. Covers the cost of repairs needed due to fire, theft or other non-collision damage.
Deductible fund. This optional coverage saves $100 every claim-free year to a fund, then applies the savings to title your deductible after an accident.
Medical payments. No matter who’s at fault, initial medical coverage for you and your passengers are covered. This also applies if you’re injured as a pedestrian.
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.
Property damage liability. Covers repairing and replacing property that you damaged, like another car or fencing that you hit during an accident.
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.
Roadside assistance.Towing, jump starts, emergency fuel, changing flats and unlocking vehicles are available 24 hours a day.
What extra perks does Liberty Mutual offer?
Liberty Mutual offers a few free features to supplement its auto insurance coverage:
Accident forgiveness. If you’re accident- and violation-free for five years, your first accident won’t raise your rates.
Teacher perks. If you’re a teacher, enjoy extra features like a $0 deductible if your vehicle gets vandalized or damaged in a collision at school.
How does Liberty Mutual bundling work?
You can bundle a host of insurance products with Liberty Mutual. However, the company only specifies a discount for bundling home or renters with auto insurance. As an example of the potential for steep savings, the company claims to save you up to $840 total on your car and home insurance policies.
Ready to get insured?
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Liberty Mutual car insurance reviews and complaints
On the BBB website, Liberty Mutual holds an A+ rating and is officially accredited since 1931, as of October 2020. But it also has a long list of customer complaints. Most issues with this provider involve a lack of communication, denied claims and billing issues.
Other comparison sites like NerdWallet and The Zebra agree that Liberty Mutual’s customer support is lacking and rates aren’t often the cheapest, despite its wide coverage and discount options.
However, 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.
Compare Liberty Mutual to competitors
See how Liberty Mutual fares alongside other policies in terms of benefits, cost and coverage. Check the Compare box to see up to four companies side by side.
Common questions about Liberty Mutual car insurance
You can update your coverage, drivers, vehicles, contact information and other information relevant to your policy. Along with account updates, you can make a payment, file claims or access your policy documents online.
Changes that impact your premium come with an updated insurance quote that’s good for 14 days and can be completed at your convenience.
Yes. When you get a quote online, Liberty Mutual will ask simple questions to learn 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.
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.
Customer service: 800-290-7841
Claims: 844-339-5303
Sales: 844-669-3663
Twitter: @AskLiberty
Facebook Messenger: Liberty Mutual Insurance
Online
Visit the official Liberty Mutual website, 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 844-825-2467 to speak with a representative. They can walk you through the entire process. Mobile app File a claim directly through the iPhone and Android mobile apps. Open the app, navigate to the claims center, select File a new claim and proceed through each of the steps.
We started with 2018 and 2017 J.D. Power ratings across 11 states and regions, which ranks companies based on customer satisfaction, policy options, price, billing, claims, and support.
Then we compared 2016 and 2017 Consumer Reports ratings. We included data from 2014 if no data was available for 2017 for a more comprehensive picture.
We weighted each source depending on its relevancy and freshness, then averaged ratings across states and regions to get a national score.
Thanks for getting in touch with finder. I hope all is well for you. :)
The answer to your question is yes. We have a page that lists rental car insurance brands. On that page, you will see a table that conveniently compares your options. Click on the “Get Quote” button to obtain a quote.
I hope this helps. Should you have further questions, please don’t hesitate to reach out again.
Thanks for your inquiry. Please note that we are not affiliated with Liberty Mutual or any company we feature on our site and so we can only offer you general advice.
If you are referring to Liberty Mutual Car Insurance, you may request for a quote directly by clicking on the green ‘Go to Site’ button on the page and it will direct you to their official site.
You can also compare BMW X1 insurance rates from other car insurance companies to see what other options you have available in your area.
At Finder, we value and respect our editorial independence. We keep our reviews completely factual so you can use them to make better decisions. While we may receive revenue and referral fees from advertising and affiliate links, advertisers do not approve our reviews.
Liberty Mutual offers a wide selection of coverage options backed by solid customer service and a convenient online platform. Also, you could benefit from additional programs and features that other companies don’t offer.
However, if you’re looking for a more personal experience or the most affordable option, you may want to look elsewhere.
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