Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Liberty Mutual car insurance review Oct 2020

Last updated:  

Balance better protection with a good deal on car insurance.

TrustPilot Reviews: 1.8 / 5.0 (20 reviews)

finder.com's rating: 4 / 5

★★★★★

  • Get a quote if you want premium coverage and a convenient online experience.
  • Pick something else if you want personalized support.

optional

Roadside assistance

New car protection

Accident forgiveness

Details

States served All 50 states
Roadside assistance Optional
Accident forgiveness Yes
New car protection Yes
Pay schedule 12 months, monthly
Claims methods Online, Phone
Rideshare coverage Yes
SR-22 support Yes

Pros

  • Roadside assistance
  • Accident forgiveness
  • Collision coverage
  • Better car replacement
  • Coverage for every location

Cons

  • Coverage minimums vary by state
  • Some access to agents
  • Not always the best prices
Anti-theft device discount Yes
Bundling discount Yes
Defensive driving discount Yes
Good student discount Yes
Loyalty discount Yes
Homeowner discount Yes
Military discount Yes
Safety device discount Yes
Special employment discount Yes
Usage-based discount Yes
Other discounts Newly married discount

Expert review

Rhys Subitch

Review by


Rhys Subitch is a writer and editor at Finder who tackles topics across the site. With half a decade of experience researching, editing and writing for a Fortune 500 company, university and several independent publications, Rhys brings readers the most up-to-date and curated info on all things finance.

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

Compare sample annual quotes for Liberty Mutual car insurance.

CaliforniaNew YorkGeorgia
18 year old male$138$1,272$136
18 year old female$133$839$130
25 year old male$96$645$93
25 year old female$92$542$89
35 year old male$47$316$46
35 year old female$47$316$46
45 year old male$43$316$42
45 year old female$52$316$42
56 year old male$51$286$42
56 year old female$51$286$42

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

  1. Go to Liberty Mutual’s website and navigate to Products and Get a quote.
  2. Choose auto insurance, then input your zip code and click Get my price.
  3. Add your personal information and info for any other drivers.
  4. Add your vehicle information.
  5. 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:

  1. From Liberty Mutual’s main website, enter your ZIP code in the Find a local agent box. Click Go.
  2. Choose your preferred office from the list.
  3. Go to the address for an in-person visit or call the number listed.

What discounts can I get with Liberty Mutual?

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 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 benefits 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.

    Need help? Talk to a customer specialist

    X

    More Liberty Mutual insurance guides

    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.

    Liberty Mutual user reviews

    1.8 / 5.0 (20 reviews)
    • Shopping for new auto and homeowners insurance. A person can go broke with Liberty Mutual....
      read full review
    • This company is horrible I recommend everyone stay away from them the premium is ridiculous...
      read full review
    • Wish there was a 0 rating. I wouldn't have their insurance if they paid me....
      read full review
    • They call consumers every week to try to get them to sign up. They harass...
      read full review
    • I had Liberty Mutual home and auto insurance for over 15 years. After seeing my...
      read full review
    • Be careful, they will do a lot of double talk and you will end up...
      read full review

    Pros and cons of Liberty Mutual car insurance

    Pros

    • Helpful website. The website is convenient, informative and easy to navigate. Visitors have easy access to policy details, educational resources and account management.
    • Convenient application and claims. Liberty Mutual’s online quote/application process and claims center make it convenient for those who don’t have a local agent nearby.
    • Wide coverage options. 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.

    Cons

    • 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 digitally focused.
    • Higher rates. 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.

    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.

    Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
    Progressive
    Optional
    30%
    All 50 states
    Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
    Clearcover
    Optional
    Yes
    AZ, CA, IL, LA, OH, TX, UT and WI
    Get instant online support and score a low rate thanks to online data that sets premiums automatically.
    Allstate
    13%
    All 50 states
    Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
    The AARP Auto Insurance Program from The Hartford
    Optional
    Yes
    All 50 states & DC
    Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
    EverQuote
    EverQuote
    Optional
    Yes
    All 50 states
    Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
    Esurance
    40%
    All states except AK, DE, HI, MT, NH, VT, WY
    Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
    loading

    Compare up to 4 providers

    Alternatives to Liberty Mutual

    Common questions about Liberty Mutual car insurance

    Car insurance ratings

    ★★★★★ — Excellent

    ★★★★★ — Good

    ★★★★★ — Average

    ★★★★★ — Subpar

    ★★★★★ — Poor

    We analyze the best car insurance providers and rate them one to five stars based on factors that are most important to you.

    Ask an expert

    You are about to post a question on finder.com:

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • finder.com is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked

    Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.

    4 Comments

    1. Default Gravatar
      Will
      May 13, 2018

      Can I get temporarily Insurance for rental car? I’m going to be renting a car for a couple of days. (Three to be exact). Also, I’m 18 years old.

      • Avatarfinder Customer Care
        Joshua
        May 14, 2018

        Hi Will,

        Thanks for getting in touch with finder. I hope all is well for you. :)

        The answer to your question is yes. If you need a rental car insurance, you might want to go to this page. 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 us out again.

        Have a wonderful day!

        Cheers,
        Joshua

    2. Default Gravatar
      Mireya
      October 26, 2017

      How much would monthly car insurance cost for a 2014 BMW 428 XI

      • Avatarfinder Customer Care
        Rench
        October 26, 2017

        Hi Mireya,

        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 have a look on this page to know more info about car insurances for BMW X1 and compare your options.

        Hope this information helped.

        Best regards,
        Rench

    Go to site