LM General Insurance Company Review (2025)

Drivers need car insurance to stay protected on the road. Thankfully, a policy written by the LM General Insurance Company can get you the coverage you need to protect yourself and your vehicle. Keep reading this review about the LM General Insurance Company to discover what type of coverages you can purchase with this policy, how to reduce the cost of auto insurance, and how to file a claim.

As you read this LM General Insurance Company review, you can enter your ZIP code to receive free quotes right away.

What is the LM General Insurance Company?

The LM General Insurance Company (LMG) is owned by and writes car insurance policies for Liberty Mutual.

Due to this relationship, if you were to search for the LM General Insurance company claims address or the LM General Insurance Company claims phone number, you will be directed to the Liberty Mutual website. Since LM General doesn’t take part in any marketing or branding of its own, all ratings and reviews will be directed towards its holding company, Liberty Mutual.

Liberty Mutual has some excellent ratings. For example, it has an A rating from A.M. Best and an A+ from the Better Business Bureau (BBB). With such high ratings, you can rest assured that Liberty Mutual will not only be able to pay out any claims that you may have to file but will also treat you to excellent customer service.

What coverages does the LM General Insurance Company offer?

You won’t have to worry about your assets being left vulnerable when purchasing a Liberty Mutual policy that’s been underwritten by LM General Insurance. You’ll be able to gain access to a wide variety of coverages that not only protect you but also your vehicle if it is ever damaged in an accident. These coverages include:

• Collision coverage
• Comprehensive coverage
• Medical payments coverage
• Uninsured motorist coverage
• Personal injury protection coverage
• Bodily injury liability coverage
• Property damage coverage
• Lifetime repair guarantee
• New car replacement insurance
• Better car replacement insurance
• Rental car reimbursement
• 24-hour roadside assistance
• GAP coverage
• Original parts replacement
• Teachers auto insurance
• Mexican car insurance

Read more: Access Auto Insurance review

This wide array of coverages certainly makes an LM General Insurance policy stand out from the pack. Now, if you ever need to file a claim, you will not need to worry about reaching out to the LM General Insurance Company claims department. You will be able to easily file a claim on Liberty Mutual’s website as long as you have your Liberty Mutual login information. You can even use the Liberty Mutual mobile app to file your claim.

Are the LM General Insurance Company’s rates competitive?

Since LM General Insurance only writes policies for Liberty Mutual, you’ll need to study Liberty Mutual’s offered rates. The average rates offered by Liberty Mutual are a bit higher than other major insurance companies as you can see here:

Auto Insurance Monthly Rates by Company

Insurance Provider	Monthly Rates
	$407
	$107
	$212
	$268
	$427
	$243
	$317
	$272
	$181
	$199

Now you should be aware, that car insurance rates by state can vary drastically as well.

If you already have a policy with Liberty Mutual and need to lower your rates, you can either review your policy to make sure you aren’t missing out on any discounts, or you can shop around online to find a cheaper insurance policy. Each insurance company has its own variation of the underwriting process and its own discounts, so sometimes shopping around is the best choice for drivers on a budget.

Read more: American Family vs. Liberty Mutual Car Insurance

How can drivers lower rates?

Discounts are a great tool for you to lower your rates. Liberty Mutual only advertises six discounts on its website, but below, you can see that many major insurance companies offer a menagerie of money-saving opportunities to their drivers:

Comprehensive Auto Insurance Discounts Comparison by Provider

Insurance Company	Safe Driver	Multi-Policy (Bundling)	Good Student	Anti-Theft Device	Low Mileage	Military/Occupation	Accident-Free	Pay-in-Full	Paperless Billing
	✅	✅	✅	✅	✅	✅	✅	✅	✅
	✅	✅	✅	✅	✅	✅	✅	✅	✅
	✅	✅	✅	✅	✅	✅	✅	✅	✅
	✅	✅	✅	✅	✅	✅	✅	✅	✅
	✅	✅	✅	✅	✅	✅	✅	✅	✅
	✅	✅	✅	✅	✅	✅	✅	✅	✅
	✅	✅	✅	✅	✅	✅	✅	✅	✅
	✅	✅	✅	✅	✅	❌	✅	✅	✅
	✅	✅	✅	✅	✅	✅	✅	✅	✅
	✅	✅	✅	✅	✅	✅	✅	✅	✅

As illustrated above, shopping online can allow you to discover companies that provide great coverage and excellent discounts that can keep your rates low.

Read more:

• SafeAuto Car Insurance Review
• What You Should Know About Country Financial Auto Insurance

What You Need to Know About the LM General Insurance Company

The LM General Insurance Company writes car insurance policies for Liberty Mutual. Liberty Mutual’s average annual rate is rather high when compared to other insurance companies, and you may be able to find more opportunities to save elsewhere. However, Liberty Mutual does off many conveniences like a mobile app and a user-friendly website where you can file claims and make payments.

If you’re not sure if Liberty Mutual is the company for you, you can shop online to find the best company for your needs.

Now that you’ve concluded this LM General Insurance Company review, you can enter your ZIP code to start comparing free quotes from insurance companies near you.