Liberty Mutual Car Insurance Review for 2024 [Impartial Company Report]
Our Liberty Mutual car insurance review concludes that while Liberty Mutual is a good choice for those looking for complete coverage of new vehicles, its higher rates and customer complaints are a deterrent. Liberty Mutual's minimum rates for good drivers start at $60/mo, which is expensive.
Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
UPDATED: Sep 30, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Sep 30, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Liberty Mutual
Average Monthly Rate For Good Drivers
$60A.M. Best Rating:
AComplaint Level:
HighPros
- Available in every U.S. State
- Multiple add-on coverages
- Multi-policy discount
Cons
- Higher average rates
- Higher customer complaint ratio
Reading our Liberty Mutual review will give you insight into why the company is a popular choice as one of the best car insurance companies and what its potential cons are for customers.
Our ranking of Liberty Mutual is calculated based on several factors, such as its business ratings, claims processing, and rates.
Liberty Mutual Car Insurance Rating
| Rating Criteria |  |
|---|---|
| Overall Score | 4.3 |
| Business Reviews | 4.0 |
| Claim Processing | 3.3 |
| Company Reputation | 4.0 |
| Coverage Availability | 5.0 |
| Coverage Value | 4.1 |
| Customer Satisfaction | 4.0 |
| Digital Experience | 4.5 |
| Discounts Available | 5.0 |
| Insurance Cost | 4.2 |
| Plan Personalization | 4.5 |
| Policy Options | 5.0 |
| Savings Potential | 4.4 |
Our Liberty Mutual review will help you learn everything there is to know about this company, from its rates to customer reviews. Looking to find a new car insurance company today? Enter your ZIP in our free quote tool to find the best deal on car insurance in your area.
- Liberty Mutual car insurance is available in every state
- Liberty Mutual insurance rates are higher than most companies
- Liberty Mutual has several discounts for customers
Cost of Liberty Mutual Car Insurance
Multiple factors affect the car insurance prices at Liberty Mutual, such as age. Younger drivers will pay more for car insurance at Liberty Mutual, as shown in the average rates below.
Liberty Mutual Car Insurance Monthly Rates by Coverage Level, Age, & Gender
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| Age: 16 Female | $283 | $723 |
| Age: 16 Male | $325 | $785 |
| Age: 18 Female | $231 | $626 |
| Age: 18 Male | $279 | $626 |
| Age: 25 Female | $72 | $187 |
| Age: 25 Male | $83 | $215 |
| Age: 30 Female | $67 | $174 |
| Age: 30 Male | $77 | $200 |
| Age: 45 Female | $66 | $171 |
| Age: 45 Male | $68 | $174 |
| Age: 60 Female | $60 | $148 |
| Age: 60 Male | $64 | $159 |
| Age: 65 Female | $65 | $167 |
| Age: 65 Male | $66 | $170 |
Liberty Mutual also has different set rates based on driving records. Customers will see rates similar to those below if they have an accident, DUI, or ticket on their record.
Liberty Mutual rates will also vary based on what type of coverage you choose for your car, with full coverage costing the most.
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Liberty Mutual Car Insurance Rates vs. the Competition
For a full picture of Liberty Mutual’s rates, see how much Liberty Mutual costs in comparison to its competition.
Liberty Mutual vs. Competitors: Full Coverage Car Insurance Monthly Rates by Age & Gender
| Insurance Company | Age: 18 Female | Age: 18 Male | Age: 30 Female | Age: 30 Male | Age: 45 Female | Age: 45 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
 | $448 | $519 | $168 | $176 | $162 | $160 | $150 | $154 |
 | $305 | $414 | $116 | $137 | $115 | $117 | $104 | $105 |
 | $597 | $629 | $160 | $167 | $139 | $139 | $120 | $128 |
 | $161 | $189 | $63 | $66 | $59 | $58 | $53 | $55 |
| $626 | $626 | $174 | $200 | $171 | $174 | $148 | $159 |
 | $303 | $387 | $124 | $136 | $113 | $115 | $99 | $104 |
 | $591 | $662 | $131 | $136 | $112 | $105 | $92 | $95 |
 | $465 | $535 | $172 | $180 | $160 | $159 | $148 | $150 |
 | $229 | $284 | $94 | $103 | $86 | $86 | $76 | $76 |
 | $530 | $740 | $99 | $108 | $98 | $99 | $89 | $90 |
Unless young drivers are joining a parent’s policy, Liberty Mutual will be one of the most expensive options for young drivers (Learn More: Perks of Staying on Your Parent’s Policy). Liberty Mutual is also one of the more expensive options for DUI drivers, as shown below.
Liberty Mutual vs. Competitors: Full Coverage Car Insurance Monthly Rates by Driving Record
| Insurance Company | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| $160 | $225 | $270 | $188 |
| $117 | $176 | $194 | $136 |
| $58 | $82 | $107 | $70 |
| $139 | $198 | $193 | $173 |
| $174 | $234 | $313 | $212 |
| $115 | $161 | $237 | $137 |
| $105 | $186 | $140 | $140 |
| $86 | $102 | $112 | $96 |
| $99 | $139 | $206 | $134 |
| USAA | $59 | $78 | $108 | $67 |
Ultimately, Liberty Mutual will be a more expensive option for high-risk drivers, such as teenagers and DUI drivers.
Liberty Mutual Car Insurance Coverage Choices
Customers can purchase several different types of car insurance from Liberty Mutual, from basic state coverages to optional add-ons.
Liberty Mutual Car Insurance Coverage Options
| Coverage | Description |
|---|---|
| Collision Coverage | Covers damage to your car after an accident |
| Comprehensive Coverage | Covers non-collision damage like theft or fire |
| Gap Insurance | Covers the difference between loan balance and car value |
| Liability Coverage | Pays for damages/injuries to others if you're at fault |
| Medical Payments Coverage | Covers medical costs after an accident |
| New Car Replacement | Replaces your totaled car with a new one |
| Personal Injury Protection (PIP) | Covers medical costs and lost wages, regardless of fault |
| Rental Car Reimbursement | Pays for a rental while your car is being repaired |
| Roadside Assistance | Provides towing and breakdown services |
| Uninsured/Underinsured Motorist | Protects if the other driver has no/insufficient insurance |
Liberty Mutual has great coverages for new vehicle owners, as they can choose from coverages like gap or new car replacement coverage.
Liberty Mutual Car Insurance Discounts
Because Liberty Mutual auto insurance rates are more expensive, customers who choose Liberty Mutual should lower car insurance costs with Liberty Mutual discounts.
Liberty Mutual Car Insurance Discounts by Savings Potential
| Discount Name | Savings Potential | How to Qualify |
|---|---|---|
| Multi-Policy | 25% | Save by bundling auto with home or renters insurance |
| Multi-Car | 12% | Discount for insuring more than one vehicle |
| Safe Driver | 30% | Earn by maintaining a clean driving record |
| Good Student | 15% | Available for full-time students with good grades |
| Vehicle Safety | 10% | Save for having advanced safety features |
| New Car | 10% | Insure a car less than a year old and save |
| Pay-in-Full | 5% | Discount for paying your premium in full |
| Early Shopper | 7% | Get a discount for buying before current policy ends |
| Hybrid/Electric Vehicle | 10% | Save for driving a hybrid or electric car |
One of Liberty Mutual’s largest discounts is its bundling discount for customers who purchase more than one type of insurance.
Liberty Mutual also has smaller car insurance discounts for paying in full and early car insurance shoppers.
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Liberty Mutual Customer Reviews
Liberty Mutual has mixed customer reviews, with negative reviews focused on price increases and claims processing. You can find customer reviews on places like Reddit, such as the Reddit review posted below.
As the Reddit review above states, some customers have price increases at Liberty Mutual, even though nothing has changed in their policy, and they haven’t done any of the things that can raise premiums, such as gotten in an accident or gotten a DUI. Price is one of the biggest issues Liberty Mutual customers face.
Liberty Mutual Business Ratings
When buying car insurance from a company, customer reviews should be examined with business ratings. Liberty Mutual received the following ratings from businesses:
Liberty Mutual Business Ratings
| Agency | |
|---|---|
 | Score: 857 / 1,000 Above Avg. Satisfaction |
 | Score: A Excellent Business Practices |
 | Score: 74/100 Good Customer Satisfaction |
 | Score: 0.55 Fewer Complaints Than Avg. |
 | Score: A Excellent Financial Strength |
Liberty Mutual has decent ratings from most companies, such as an A rating for financial strength from A.M. Best. However, Liberty Mutual has more customer complaints lodged with the NAIC than the average, which isn’t great.
Liberty Mutual Pros and Cons
Choosing the right company to protect your vehicle and finances is important, so ensure Liberty Mutual is the right fit. Some of the pros of going with Liberty Mutual are:
- Coverage Options: Liberty Mutual has great options for new car owners, as well as used car options (Learn More: Is used car insurance cheaper?).
- Multi-Policy Discount: Customers can save on auto insurance at Liberty Mutual by also purchasing home or renters coverage.
- Business Reviews: Liberty Mutual has solid business ratings for business practices and financial strength.
Some things you should consider before signing up with Liberty Mutual, however, are as follows:
- Higher Rates: Liberty Mutual isn’t one of the more affordable companies for customers.
- Customer Complaints: Liberty Mutual has a higher number of complaints recorded.
Because every driver has different auto insurance needs, Liberty Mutual won’t be the right fit for every driver.
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Considering if Liberty Mutual Car Insurance is the Best for You
Our Liberty Mutual car insurance review found that Liberty Mutual has expensive rates, but it also has great add-ons for customers wanting extra coverage (Read More: The Perks and Pitfalls of Car Insurance Add-Ons). Customers who don’t need specialty add-ons, however, might be better off going with a cheaper company with fewer customer complaints.
To get a jumpstart on finding affordable car insurance, compare rates from multiple companies. Enter your ZIP in our free quote tool to get started.
Frequently Asked Questions
Is Liberty a good car insurance company?
Liberty Mutual is a reputable car insurance company, but its higher rates make it one of the more expensive choices for drivers.
Is Liberty Mutual good at paying claims?
Liberty Mutual is good about paying claims, as it has a decent rating from J.D. Power.
Why is Liberty Mutual so cheap?
Liberty Mutual is actually one of the more expensive car insurance companies for drivers. Rates will be cheapest for safe drivers (Learn More: How to Drive Safely, No Matter the Time of Day).
Is Geico the same as Liberty Mutual?
No, Geico is not the same as Liberty Mutual. Both are separate auto insurance companies.
Who is cheaper, Liberty Mutual or Geico?
Geico is cheaper on average than Liberty Mutual.
What is cheaper than Liberty Mutual?
Companies that are cheaper than Liberty Mutual include companies like USAA, State Farm, and American Family (Read More: American Family vs. State Farm Car Insurance). Use our free quote tool to compare rates from multiple companies in your area quickly.
Is it hard to get insurance with Liberty Mutual?
Getting car insurance with Liberty Mutual should be easy unless drivers need high-risk auto insurance.
Is Liberty Mutual a 6-month policy?
Yes, Liberty Mutual offers six-month car insurance policies in most states.
Is there a time limit on claims with Liberty Mutual?
Liberty Mutual doesn’t have a time limit but bear in mind that there is a state statute of limitations on how long drivers have to file a claim after an accident. Insurance companies also won’t cover costs for repairs for regular car maintenance expenses; they only cover accidents on your policy.
Does Liberty Mutual have a cancellation fee?
Liberty Mutual may charge a cancellation fee in some states if customers cancel their car insurance before the policy period ends.
Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.
Doug Bauman
Liberty Mutual Insurance review
Ca_Issacs
Trash company
Mikem72262
Liberty is an over charging company
Brian_B
Don't ever expect help if you need it.
Jayden09_
NO SECOND CHANCES FOR LOYAL CUSTOMERS!!!
Tucky
Paying my Auto Insurance in the rears?
Zzzzzzz6969
Run away become they will cancel you
NG1989
Appraisers short change customers
M__Atif
Terrible Company when it comes to honor their liability
pstringer818_gmail_com
WARNING!