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finder.com's rating: 4 / 5
★★★★★
Bottom line: Comparing coverage and managing your policy online couldn’t be easier. But its agent support is limited, and it doesn’t see high customer ratings.
Speak to an agent: 877-336-0538
States served | All 50 states & DC |
---|---|
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 |
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 |
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Liberty Mutual offers a wide selection of coverage options and a convenient online platform. Also, you could benefit from additional programs and features that other companies don’t offer, like teacher perks or a deductible fund.
But, in exchange for the extra perks, you may find a less than stellar customer experience with limited customer support. So if you’re looking for a more personal experience or the most affordable option, you may want to look elsewhere.
finder.com's rating: 4 / 5
★★★★★
Category | Our rating | Why we gave this score |
---|---|---|
Coverage | ★★★★★ 5/5 | Liberty Mutual goes beyond coverage from competitors, offering options for accident forgiveness, rideshare insurance, and more. |
Discounts | ★★★★★ 4/5 | It offers a variety of discounts to help you save on premiums, such as for bundling or tracking your driving through RightTrack. It’s also one of the only companies to reward you for owning an electric or hybrid vehicle. |
Customer service | ★★★★★ 3.4/5 | The company gets high J.D. Power and Better Business Bureau scores. However, it sees low customer ratings on Trustpilot and an average number of complaints filed with the National Association of Insurance Commissioners (NAIC). |
Financial strength | ★★★★★ 4.25/5 | It receives an A financial rating from AM Best, showing that it has strong finances to pay for car insurance claims. |
We pulled full-coverage car insurance rates using Liberty Mutual’s online quote tool for good drivers living in California with a clean driving record.
Age | Premiums |
---|---|
18 | N/A |
21 | $456.42 |
30 | $261.92 |
40 | $244.92 |
50 | $241 |
Apply for auto insurance by phone by calling 866-681-9325, or in-person by finding an agent using Liberty mutual’ s agent locator tool on its website. In many cases, you can get covered online within minutes by following these steps:
Having some information on hand can speed up your application process, including:
Liberty Mutual offers a standard list of discounts on its auto insurance policies.
Liberty Mutual offers a few free features to supplement its auto insurance coverage.
Liberty Mutual RightTrack is a telematics car insurance program, which monitors your driving and gives you a discount personalized to how you drive.
Overall, customers enjoy the app, giving it 4 out of 5 stars on Google Play and 4.4 out of 5 stars on the Apple Store. To get your discount, you’ll need to complete RightTrack’s 90-day review period. Then, you can earn up to 30% off your premium, an amount you’ll see with most other telematics programs.
However, what stands out is that RightTrack isn’t an ongoing program. Instead, the discount applies for as long as you have Liberty Mutual car insurance. Ask to re-enroll in the program if you’d like your discount updated.
As is the case with other programs, Liberty Mutual doesn’t use your driving data just for setting premiums. The company may use it for investigating claims, developing new services for customers or for research.
Review RightTrack’s terms and conditions to make sure you agree with how it’s using your information.
To get a high score with RightTrack, you can focus on four key areas:
Liberty Mutual holds an A+ rating with the Better Business Bureau and is accredited since 1931. However, it has a long list of customer complaints, involving a lack of communication, denied claims and billing issues.
Liberty Mutual also receives a 1.11 on the National Association of Insurance Commissioners complaint index for private passenger vehicles. Since the industry standard is 1.00, Liberty Mutual’s score shows that it sees many more complaints than normal.
Continuing the trend, the company typically scores below average for each region in the J.D. Power Auto Insurance Satisfaction Study. The one exception to its poor customer satisfaction is in Florida, where Liberty Mutual scored an above-average 837 out of 1,000 points in the J.D. Power study.
Keep in mind that most customers leave reviews when the service is either extraordinary or terrible. Thousands of customers may be satisfied with the service but haven’t bothered to leave a review.
Finder’s car insurance experts rate Liberty Mutual slightly above average because of its well-rounded coverage options and discounts available as well as its solid BBB score and strong AM Best financial rating. However, the company’s poor customer service brings down its overall Finder rating.
AM Best financial rating | A |
BBB accredited | Yes |
BBB rating | A+ |
Trustpilot score | 1.4/5 out of 482 customer reviews |
Customer reviews verified as of | 28 June 2021 |
See how Liberty Mutual fares alongside other policies in terms of benefits, cost and coverage. Then tap Get quotes to see your customized rate.
Liberty Mutual offers a wide range of coverage options to give you ample protection.
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:
Bundle a host of insurance products with Liberty Mutual. However, the company only specifies a discount for bundling home or renters with auto insurance. The company claims to save you up to $840 across your car and home insurance policies.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
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