Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Feb 26, 2022

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Just the Basics

  • LM General Insurance writes car insurance policies for Liberty Mutual
  • You can file a claim with Liberty Mutual
  • You can shop online for cheap car insurance

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.

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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

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:

Insurance CompaniesU.S. Annual Average Rates
American Family$1,282.72
Travelers$2,173.97
USAA$2,388.05
Farmers$2,549.46
Nationwide$2,908.82
GEICO$3,215.01
State Farm$3,260.00
Progressive$3,798.13
Allstate$4,887.95
Liberty Mutual$5,120.76
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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.

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:

Discounts21st CenturyAAAAllstateAmerican FamilyAmeripriseAmicaCountry FinancialEsuranceFarmersGeicoLiberty MutualMetLifeNationwideProgressiveSafe AutoSafecoState FarmThe GeneralThe HanoverThe HartfordTravelersUSAASources:
Adaptive Cruise Controlxxxxhttp://www.21st.com/car-insurance-by-state.htm
Adaptive Headlightsxxxxxxxxhttp://autoclubsouth.aaa.com/Insurance/Auto_Insurance_Quote.aspx
Anti-lock Brakesxxxxxxxxxxxxxxxxxxxxxxhttps://www.allstate.com/auto-insurance/auto-insurance-discounts.aspx
Anti-Theftxxxxxxxxxxxxxxxxxxxxxxhttps://www.amfam.com/resources/discounts
Claim Freexxxxxxxxxxxxxxxxxxxxxxhttps://www.ameriprise.com/auto-home-insurance/Costco/insurance-choices/auto/auto-insurance-discounts.asp
Continuous Coveragexxxxxxxxxxxxxxxhttps://www.amica.com/en/products/auto-insurance/discounts.html
Daytime Running Lightsxxxxxxxxxxxxxxxxxxhttps://www.countryfinancial.com/en/insurance/auto-recreational/auto.html
Defensive Driverxxxxxxxxxxxxxxxxxxxxxxhttps://www.esurance.com/insurance/car/discounts
Distant Studentxxxxxxxxxxxxxxxhttps://www.farmers.com/faq/discounts/#autodefinitions
Driver's Edxxxxxxxxxxxxxxxxxxxxhttps://www.geico.com/save/discounts/car-insurance-discounts/
Driving Device/Appxxxxxxxxxxxxxhttps://www.libertymutual.com/auto/affordable-car-insurance
Early Signingxxxxxxxxxxxxxxhttps://www.metlife.com/insurance/auto-insurance/car-insurance/
Electronic Stability Controlxxxxxxxxxhttps://www.nationwide.com/car-insurance-discounts.jsp
Emergency Deploymentxhttps://www.progressive.com/auto/car-insurance-discounts/
Engaged Couplexhttps://www.safeauto.com/about/faqs
Family Legacyxxxxxxhttps://www.safeauto.com/car-insurance/car-insurance-for-teens
Family Planxxxxxhttp://www.safeco.com/auto-insurance/discounts
Farm Vehiclexxxxhttps://www.statefarm.com/insurance/auto/discounts
Fast 5xhttps://www.thegeneral.com/car-insurance/basics/cheap-flexible/
Federal Employeexxxxhttp://www.hanover.com/connections-smart-savings.html
Forward Collision Warningxxxxxxxhttps://www.thehartford.com/aarp/car-insurance
Full Paymentxxxxxxxxxxxxxxxxxhttps://www.travelers.com/personal-insurance/auto-insurance/discounts-advantages.aspx
Further Educationxxxxxxxxxhttps://www.usaa.com/inet/wc/advice-auto-lowerautoinsurance
Garaging/Storingxxxxxxhttps://www.usaa.com/inet/wc/faq_Automatic_License_index
Good Creditxxxxhttps://www.usaa.com/inet/wc/auto_insurance_teen_driver_main
Good Studentxxxxxxxxxxxxxxxxxxxxxxhttps://www.usaa.com/inet/pages/auto_event_insurance?akredirect=true
Green Vehiclexxxxxxxhttps://www.usaa.com/inet/pages/auto_insurance_driving_research_discount_main
Homeownerxxxxxxxxxxxxxxxxxxhttp://www.bankrate.com/finance/insurance/car-insurance-discounts.aspx
Lane Departure Warningxxxxhttp://www.naic.org/documents/web_market_share_160301_2015_property_lob.pdf
Life Insurancexx
Low MileagexxxxxxxxxxxxxxxxxxxDisclaimers
Loyaltyxxxxxxxxxxxx*Discounts and their availability vary by state and eligibility requirements
Marriedxxxxxxxxxxxxxx*Safety Features are not always listed as "discounts" but almost always help lower the rate
Membership/Groupxxxxxxxxxxx
Militaryxxxxxxxxxx
Military Garagingx
Multiple Driversxx
Multiple Policiesxxxxxxxxxxxxxxxxxxxxx
Multiple Vehiclesxxxxxxxxxxxxxxxxxxxxx
New Addressx
New Customer/New Planxxx
New Graduatex
Newer Vehiclexxxxxxxxxxxxxxxx
Newly Licensedx
Newlywedsx
Non-Smoker/Non-Drinkerx
Occasional Operatorx
Occupationxxxxxxxxxxxx
On Time Paymentsxxxx
Online Shopperxx
Paperless Documentsxxxxxxxx
Paperless/Auto Billingxxxxxxxxxxxxxxxxx
Passive Restraintxxxxxxxxxxxxxxxxxxxxxx
Recent Retireesxx
Renterxxx
Roadside Assistancexx
Safe Driverxxxxxxxxxxxxxxxxxxx
Seat Belt Usex
Senior Driverxxxxxxxxx
Stable Residencexxxx
Students & Alumnixxxxxx
Switching Providerxxxxxxxxxxx
Utility Vehiclexxxx
Vehicle Recoveryxxxxxxxxxxxxxxxxxxxxx
VIN Etchingxxxxxxxxxx
Volunteerx
Young Driverxxxxxx
Discounts Provided #21212927182726343431383835362230192022382828
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As illustrated above, shopping online can allow you to discover companies that provide great coverage and excellent discounts that can keep your rates low.

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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.