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Last updated: March 22, 2023

Liberty Mutual Auto Insurance Pricing

Customizing car insurance so that you can save money.

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Liberty Mutual runs creative commercials with the tagline, “Only pay for what you need.” This tagline is the foundation of Liberty Mutual’s philosophy when customers buy auto insurance: Customize policies so that you only pay for what you use. But is getting the minimum coverage you need enough to help you save on your auto insurance? We’ll take a closer look at Liberty Mutual’s pricing, discounts, and key benefits in this guide.

Liberty Mutual Car Insurance Rates

Liberty Mutual offers below-average rates. Our research shows that Liberty Mutual’s average annual auto insurance policy costs $1,637 per year. This is well below the national average of $2,071 per year.

Your actual rate may be higher or lower than the average, depending on your age, location, driving history, and claims history. Also, full coverage is more expensive than state minimum liability coverage, and coverage will cost more with add-ons like rental car reimbursement and roadside assistance. Get a car insurance quote to find out the cost of car insurance coverage from Liberty Mutual.


  • Car insurance/homeowners insurance discount: Those who own homes get a discount on auto insurance.
  • Military discount: Liberty Mutual offers a discount to those who are active in or retired from the military as a thank-you for their service.
  • Early shopper discount: Get a quote and buy insurance before your policy expires to qualify for this discount.
  • Good student discount: Students with a B average or better in school get a discount.
  • Student-away-at-school discount: When your student is off to college (and leaves their car at home), you get a discount on your auto insurance.
  • Claims-free discount: If you have had no claims on your policy for the past three years, you’ll save on your insurance premiums.
  • Violation-free discount: When you haven’t accumulated any tickets on your record for the past three years, you are eligible to save on costs.
  • RightTrack: Enroll in RightTrack, a driving monitoring program, to help you save up to 30 percent. You’ll get an initial discount just for signing up.
  • Multipolicy discount: Bundle your home insurance with Liberty Mutual and get a discount on both policies.
  • Multicar discount: Save money when you have more than one vehicle insured with Liberty Mutual.
  • Preferred payment discount: Enroll in automatic payments and get a discount on your insurance.
  • Online purchase discount: When you buy your policy online, you get a discount to save. Start with an online quote.
  • Paperless policy discount: Enroll in electronic communication to receive a discount on your policy.

Favorite Features

Car Insurance Calculator

Liberty Mutual offers a car insurance calculator that doesn’t require your personal contact information. This calculator will help you decide what type of car insurance you want and the estimated price for that coverage. It’s a quick and easy way to shop for insurance and see if Liberty Mutual is right for you.

Liberty Mutual App

Liberty Mutual has a convenient app that allows you to manage accounts and file claims from anywhere. The app is well-rated, with a 4.7 out of five stars on Google Play and a 4.8 out of five stars on the Apple Store. Customers report that they love having all the components of their insurance at their fingertips.


Filing claims with the app saves time. You can upload photos of the accident so that the claims representative has the required details to process your claim quickly.


SR-22 Filing

Liberty Mutual offers SR-22 filing for customers that it considers a higher risk in the state they’re registered in. These drivers usually have a serious offense, such as a DUI or a ticket for driving without insurance. Insurance carriers file the SR-22 that the state requires on behalf of the driver to show that the driver meets the state’s minimum insurance requirements.

Captive Local Agents

Liberty Mutual has 2,200 local agents positioned in 200 offices around the country to help consumers buy insurance. Local agents best understand the needs of local drivers and can better assist people in getting the right coverage. The agent becomes your point of contact for any service you need, making the experience more personal as the relationship develops over time.1


Liberty Mutual writes insurance policies in all 50 states and the District of Columbia.

Cancellation Policy

To cancel your insurance policy, contact your local agent or call 800-290-8711.


When you cancel your policy, the insurance carrier returns all unearned premiums to you. An unearned premium is the prorated amount the company doesn’t use in providing insurance over the course of the term.

Company Background

Based on gross written premiums, Liberty Mutual is the sixth-largest property and casualty insurer in the world. It started in 1912 to provide workers’ compensation insurance. In 1914, a second branch office opened that wrote the first auto insurance policy for the company. The company has its current headquarters in Boston, Massachusetts.

Liberty Mutual has received high ratings from three of the financial rating companies. It has an A from AM Best.2 It also has an A2 from Moody’s, and an A from Standard and Poor’s.34

These ratings reflect a company that has the financial resources to handle periods of substantial claims. Higher ratings give consumers higher confidence that the company will perform when they need it.

Liberty Mutual Contact Information

You may reach Liberty Mutual to service your account by contacting your local agent or by calling customer service at 800-290-8206. Customer service hours are Monday through Friday 8 a.m. to 10 p.m. ET, Saturday 8 a.m. to 8 p.m. ET, and Sunday 11 a.m. to 5 p.m. ET. You may also mail correspondence to:

  • Liberty Mutual Group
  • 100 Liberty Way
  • Dover, NH 03821-7500


Liberty Mutual is a popular auto insurance carrier that helps you get the coverage that you need for a great rate. It’s worth shopping for price quotes with Liberty Mutual to see how much you can save by switching. If you want to learn more about Liberty Mutual auto insurance, read our Liberty Mutual auto insurance review.

Frequently Asked Questions

How good is Liberty Mutual Insurance?

Liberty Mutual is a good carrier because of its ratings with AM Best (A), Moody’s (A2), and Standard and Poor’s (A). These ratings mean that the company is financially solvent and prepared to handle catastrophic claims.

How to file a complaint with Liberty Mutual Insurance?

  1. Call 800-290-8206.
  2. Or, mail the complaint to:
    1. Liberty Mutual Group
    2. 100 Liberty Way
    3. Dover, NH 03821-7500

Who owns Liberty Mutual Insurance?

Liberty Mutual is a mutual insurance company, meaning its policyholders own it. It does not trade on any of the stock exchanges.

Why is Liberty Mutual Insurance so expensive?

Your Liberty Mutual insurance may be expensive because of your driving history or location. There are a lot of factors that go into pricing a policy, and Liberty Mutual falls below average on rates. Expensive policies are generally the result of a poor driving record or a high-accident-rate city.


  1. Liberty Mutual Is Moving Its 2,200 Exclusive Agents to Its New Digital Agency. Insurance Journal. (2021).

  2. AM Best Affirms Credit Ratings of Liberty Mutual Holding Company Inc. and Subsidiaries. AM Best. (2022).

  3. Liberty Mutual. Moody’s. (2022).

  4. S&P Global Ratings affirms Liberty Mutual Insurance at “A” (Local Currency LT credit rating); outlook stable. Cbonds. (2021).