Liberty Mutual auto insurance review: Discounts & add-ons
Liberty Mutual offers lots of discounts and some unique add-ons, like special auto insurance coverage for teachers but it comes with higher-than-average rates ($160/month).
By
Rachael BrennanRachael BrennanSenior Editor & Licensed Insurance ExpertRachael Brennan is a licensed auto insurance expert and a former senior editor at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.
Edited by
Anna SwartzAnna SwartzSenior Managing EditorAnna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.
Our proprietary ratings methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the “Ratings methodology” section for more details.
4.1
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
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Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
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The bottom line
Liberty Mutual offers all the basic types of car insurance every driver needs, as well as a variety of additional coverages and discounts.
Liberty Mutual even offers some specialty benefits, like extra auto insurance coverage for teachers that pays out if any school-owned property is damaged or stolen from your vehicle, and better car replacement, which ensures you’ll get enough to buy a car a model year newer if yours is totaled. The wide variety of endorsements makes Liberty Mutual a good choice for drivers who need more personalized benefits.
With more than 100 years in the insurance industry and coverage available in all 50 states, Liberty Mutual is a solid choice for car insurance. The downside to Liberty Mutual is the cost; Liberty Mutual has higher-than-average rates, even for safe drivers, which means drivers considering a Liberty Mutual policy should still compare quotes from multiple companies to make sure they are getting the best price.
Liability coverage: Covers the cost of bodily injuries or property damage you cause to someone else in an at-fault accident. Liability coverage is required in almost every state, but each state has different requirements .
Personal injury protection: Also referred to as PIP or no-fault insurance, personal injury protection covers medical expenses (and other costs, like lost wages and funeral benefits) if you or your passengers are hurt in an accident, no matter who was at fault. PIP coverage is required in some states.
Uninsured/underinsured motorist coverage: Also known as UM/UIM, uninsured/underinsured motorist coverage pays for your medical expenses if you’re hit by a driver who doesn’t have insurance, or doesn’t have enough insurance to cover all your medical expenses. UM/UIM is required coverage in some states.
Collision coverage: Covers damage to your vehicle after a car accident, whether or not you were at fault.
Comprehensive coverage: Covers non-collision damage to your car, including damage caused by extreme weather, hail, flood, fire, falling objects, vandalism and theft.
Medical payments: Also known as MedPay, this covers medical costs for you and your passengers if you get into a covered accident, but the benefit is usually small, between $1,000 and $10,000.
Additional coverages offered
Deductible fund: If you purchase collision coverage, you can pay an extra premium to reduce your deductible by $100 each year.
Lifetime repair guarantee: If you get your car repaired at an approved facility as part of an approved claim, the repairs are 100% guaranteed by Liberty Mutual for as long as you own the car.
New car replacement: If your car is totaled in the first year you own it, Liberty Mutual will pay for a brand new car, not just the depreciated value of the vehicle.
Better car replacement: If your car is totaled, Liberty Mutual will pay for a model that's one year newer than your totaled car.
Rental car reimbursement: This can help pay for a rental car if your car is being repaired after a covered accident.
24 hour roadside assistance: Covers necessary services if your car breaks down, like fuel delivery, towing, locksmith services, battery jumpstarts, winching, and flat tire repair.
Gap coverage: If your car is stolen or totaled, this pays the difference between your loan and the actual cash value (ACV) of your vehicle.
Original parts replacement: This lets you replace any damaged parts to your vehicle with parts that meet the highest quality standards. If original manufacturer parts are not available for your vehicle or they are no longer in production, you’ll get comparable or reconditioned parts.
Teachers auto insurance: Covers up to $2,500 if your teaching materials or school-owned property is stolen or damaged while in your vehicle.
Liberty Mutual also offers a variety of other types of insurance that can be bundled with your auto policy for savings, including:
We used multiple sample quotes to compare the average cost of a full coverage policy from Liberty Mutual (50/100/50 coverage limits and $500 deductibles for comprehensive and collision coverage) to competitor rates using Quadrant data for the same coverage with the same driver profile. Our sample driver was based on single drivers aged 30, 35, and 45 driving a 2017 Toyota Camry LE about 10,000 miles per year.
Customer experience
3.9/5
Liberty Mutual scored 870 out of 1,000 on J.D. Power’s 2022 U.S. Auto Claims Satisfaction Study, which is about average for the industry. In J.D. Power’s 2022 U.S. Insurance Digital Experience Study, which looks at customer satisfaction with a company’s digital offerings, Liberty Mutual received a 678, which is about average for the industry. And according to the National Association of Insurance Commissioners (NAIC) National Complaint Index Report, Liberty Mutual also had slightly more customer complaints than average in 2021.
Coverage options
3.9/5
Liberty Mutual offers 19 different types of auto insurance coverage, giving it an excellent score when it comes to coverage options. Beyond the standard auto insurance coverage types, including liability, comprehensive, and collision coverage, Liberty Mutual offers common add-ons like gap coverage and new car replacement, but it also offers more unique coverages, like teacher’s auto insurance and a lifetime repair guarantee.
Financial strength
3.5/5
Liberty Mutual has moderate financial ratings, scoring an A with AM Best, A with S&P, and A2 with Moody’s. This means Liberty Mutual is in a decent financial position to pay out its customers’ claims, but the company has lower financial strength ratings than many of its competitors in the industry.
How much does Liberty Mutual auto insurance cost?
Liberty Mutual auto insurance costs an average of $160 a month, or $1,923 a year. That means Liberty Mutual has higher-than-average rates for a full-coverage policy with bodily injury liability limits of $50,000 per person and $100,000 per accident.
Annual rate for full coverage
Monthly rate for full coverage
Liberty Mutual
$1,923
$160
National average
$1,638
$137
What discounts does Liberty Mutual offer?
Homeowner discount: Get a discount for owning a home, even if you don’t insure it through Liberty Mutual.
Military discount: Liberty Mutual offers a discount to active military and veterans.
Early shopper discount: Save by getting a car insurance quote with Liberty Mutual before your current policy expires.
Good student discount: Students with a B average or higher can earn a discount on their policy.
Student-away-at-school discount: If your child is away at school and only occasionally drives your car you could be eligible for a discount.
Claims-free discount: Get a discount for maintaining a claims-free driving record.
Violation-free discount: Earn a discount by avoiding moving violations, like a speeding ticket or DUI.
Bundling discount: Also called a multi-policy discount, you can save money by bundling your Liberty Mutual insurance policies, like auto insurance, homeowners insurance, or renters insurance.
Multi-car discount: Save money when you insure two or more vehicles on the same policy.
Preferred payment discount: Enroll in automatic payments (linked to your bank account) to save money on your car insurance.
Online purchase discount: Get a discount when you buy your Liberty Mutual policy online.
Paperless policy discount: Save money when you agree to get car insurance bills, notices, and other communications electronically.
Liberty Mutual RightTrack
RightTrack is Liberty Mutual’s usage-based discount program (many big insurance companies offer usage-based discounts that track your driving behavior and award savings for safe driving).
RightTrack uses the Liberty Mutual mobile app to track your driving for 90 days, and drivers who show safe driving habits can save up to 30% on their car insurance.
You save 10% just for signing up with RightTrack and, after driving normally for 90 days while using the tracking app, you’ll be given your final RightTrack score. That score will determine how much you’ll save on your car insurance but, in some states, risky drivers could see an increase in their rates. Keep in mind your RightTrack score will apply for the life of your Liberty Mutual policy, so any increase or decrease in your rates would be permanent.
Liberty Mutual auto insurance state availability
Liberty Mutual offers coverage in all 50 states and Washington, D.C.
What to expect with Liberty Mutual auto insurance
How to get a quote: Drivers can get a Liberty Mutual quote online or by calling 800-837-5254.
Customer service options: The Liberty Mutual mobile app gives customers access to most of their customer service needs, like paying a bill or getting their ID number. Customers can also call Liberty Mutual at 800-290-8711 to speak with a representative.
How to file a claim: Drivers can file a claim with Liberty Mutual online, through the mobile app, or by calling 800-290-8711.
How to cancel your policy: Cancel your Liberty Mutual car insurance policy by calling 800-290-8711 and speaking with a company representative.
Liberty Mutual scored 870 out of 1,000 on the J.D. Power Claims Survey, which indicates the company does a decent job of paying claims, but its score slightly lower than the average score of 874.
Is Liberty Mutual the same as GEICO?
No, Liberty Mutual and GEICO are two completely different car insurance companies.
What rank is Liberty Mutual?
Policygenius rated many different auto insurance companies on a variety of factors, including cost, coverage options, customer service, and financial stability. Liberty Mutual has a decent score of 4.1 out of 5. But no matter how high a company scores, it is important to compare quotes from multiple companies to make sure you are getting the best possible coverage for your needs.
Is Liberty Mutual a stable company?
Yes, with an A rating from both A.M. Best and S&P, Liberty Mutual is a financially stable company and will be able to pay out claims.
Rachael Brennan is a licensed auto insurance expert and a former senior editor at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.
Anna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.
