Liberty Mutual Auto Insurance Review (2024)

What You Should Know About liberty mutual insurance

Despite being less well-known than bigger providers, Liberty Mutual is often considered one of the best auto insurance companies that sell policies online. While Liberty Mutual auto insurance quotes tend to match the national average, the company’s coverage options and ample discounts can compensate for the price.

You can explore the Liberty Mutual auto insurance review below to see if it might be the right company for you. Then, compare rates with as many companies as possible to find the best policy to protect your car.

Liberty Mutual Auto Insurance Reviews and Ratings

Just like Liberty Mutual’s rates are about average, so are its customer service ratings. However, many third-party companies give Liberty Mutual better ratings.

For starters, A.M. Best rates companies on their financial strength – the better the rating, the more likely a company is to pay claims. As a large company, Liberty Mutual has a solid A rating from A.M. Best.

Unfortunately, Liberty Mutual’s rating from the National Association of Insurance Commissioners (NAIC) is not as good. The NAIC rates companies on the number of customer complaints received vs. the company’s size. The national average is 1.0 – anything higher means the company has more complaints.

Liberty Mutual has a score of 2.66, meaning it receives more than double the average number of complaints.

Most Liberty Mutual complaints focus on customer service and the claims process. Many customers aren’t happy with how their claims are handled, particularly that claims resolution can be slow.

Although the company gets its fair share of complaints, the news isn’t all bad. Many customers state that using the Liberty Mutual auto insurance phone number to speak directly with a representative is an easy process.

Liberty Mutual Auto Insurance Mobile App

While you can manage your car insurance policy online, many customers prefer the convenience of the Liberty Mutual auto insurance mobile app.

The Liberty Mutual mobile app lets you perform the following actions:

• Make and manage payments
• View policy documents
• Download digital ID cards
• File and manage claims

You can also use the mobile app to participate in the RightTrack usage-based car insurance program. The mobile app is available on both Apple and Google playstores.

liberty mutual insurance Insurance Coverage Options

Like most major car insurance companies, Liberty Mutual offers policies to cover the minimum insurance requirements in your state and full coverage auto insurance options. These include:

• Liability: Liability insurance pays for injuries and damage you cause in an at-fault accident. It never covers your car or medical bills.
• Collision: Collision insurance pays for your car repairs after an accident, no matter who was at fault.
• Comprehensive: There’s more than accidents that can damage your vehicle. Comprehensive insurance covers damage from events like weather, fire, floods, vandalism, and theft.
• Uninsured/underinsured motorist: Although most states require insurance, not all drivers follow the law. Uninsured motorist insurance protects you from drivers without adequate coverage.
• Personal injury protection/medical payments: Personal injury protection (PIP) and medical payments (MedPay) cover your medical expenses after an accident.

These are the basic types of car insurance included in minimum insurance requirements and full coverage policies. If you want more coverage, you can explore Liberty Mutual auto insurance options for add-ons next.

Liberty Mutual Auto Insurance Add-Ons

Aside from the basic coverage options, Liberty Mutual has a few add-on options that allow for the customization of your policy. These include:

• Roadside assistance: Liberty Mutual will come to the rescue 24 hours a day if you have a dead battery, need a tow, are locked out of your car, run out of gas, or have a flat tire.
• New car replacement: As long as your car is a year old or newer, Liberty Mutual will replace it with the same model if you total your vehicle.
• Better car replacement: If you total your car, Liberty Mutual will replace it with a model one year newer.
• Rental car reimbursement: If a covered incident prevents you from using your car, Liberty Mutual car insurance will cover rental reimbursement.
• Accident forgiveness: Once you’ve gone five years without a traffic violation or accident, you’ll be eligible to purchase accident forgiveness. Once you purchase it, your rates won’t increase after your first accident.
• Gap: If you total your car while still paying a loan or lease, you might owe more than the vehicle is worth. With gap insurance, Liberty Mutual will pay the remainder of your loan.
• Original parts replacement: Purchase this coverage to guarantee any repairs made to your car will be done with original parts instead of aftermarket parts.
• Lifetime replacement guarantee: If you use a Liberty Mutual-approved mechanic for car repairs, the work will be guaranteed for life.

While more coverage is never a bad idea, you should carefully consider add-ons before purchasing them. Add-ons can increase your rates quickly.

liberty mutual insurance Insurance Rates Breakdown

Liberty Mutual rates tend to match the national average, though many factors affect the actual quotes you’ll see. To get an idea of average Liberty Mutual auto insurance rates for minimum coverage, check below.

While minimum insurance is your cheapest option for coverage, it’s often a good idea to purchase more coverage. To see how Liberty Mutual charges on average for full coverage, check the rates below.

As you can see, Liberty Mutual insurance is usually an affordable option for insurance. However, it’s not typically the cheapest option, especially if you’re a teen driver.

liberty mutual insurance Discounts Available

Although its quotes aren’t the cheapest, the Liberty Mutual auto insurance company offers many ways to save. If you’re considering a policy with Liberty Mutual, you might be eligible for the following discounts:

• Being a homeowner
• Maintaining a good GPA while in high school or college
• Leaving your car at home when you travel to school
• Insuring multiple vehicles on the same policy
• Remaining claims, accident, and traffic violation-free
• Bundling multiple Liberty Mutual policies
• Being an active-duty, reserve, or retired military member
• Enrolling in automatic payments or paying for your entire six-month premium at once
• Purchasing a policy online and getting a quote before your previous policy expires
• Enrolling in paperless documents

Most discounts apply to your policy when you sign up, but you might need to provide proof for others. If you’re unsure about discount eligibility, speak with a Liberty Mutual auto insurance customer service representative.

While you won’t get a specific Subaru auto insurance discount, Liberty Mutual and Subaru have teamed up to offer drivers affordable coverage. To learn more about getting Subaru car insurance from Liberty Mutual, you can speak with a representative from Liberty Mutual or a Subaru dealership.

RightTrack by Liberty Mutual

Another way to save on your insurance is to enroll in the RightTrack program. RightTrack is a usage-based insurance program that tracks your driving behaviors. The safer you drive, the more of a discount you’ll earn. You automatically get a 5% discount for signing up and can save up to 30%.

RightTrack tracks the following behaviors to determine your discount:

• Hard braking
• What time of day or night you drive
• How many miles you drive
• Rapid acceleration

RightTrack monitors these behaviors through either the Liberty Mutual auto insurance mobile app or a plug-in device. Whichever option you pick, RightTrack monitors you for 90 days. After that, you’ll receive your final discount.

How liberty mutual insurance Ranks Among Providers

While Liberty Mutual car insurance reviews reveal the company isn’t as popular a choice as other big names like Geico, State Farm, and Progressive, it still has a lot to offer. To see how Liberty Mutual stacks up against some of its biggest competition, check the rates below.

As you can see, Liberty Mutual insurance ranks about average for its auto insurance rates. Finding affordable rates is important, but it’s not the only thing to consider when purchasing a policy. It may be worth paying a little more if you want extra coverage like new car replacement or original parts replacement insurance.