Liberty Mutual Auto Insurance Pricing 2026

Liberty Mutual’s average annual auto insurance policy costs $2,861 per year for full coverage. This is 21 percent higher than the national average of $2,356 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 such as rental car reimbursement and roadside assistance. Get a car insurance quote to find out the cost of car insurance coverage from Liberty Mutual.

Factors Affecting Rates

Liberty Mutual determines premiums based on a variety of personal and vehicle-related factors. While driving history and coverage choices play major roles, other elements also influence how much you’ll pay. Your age, location, credit score, and the type of vehicle you drive all contribute to your rate. Frequent claims or a history of accidents can raise premiums, while a clean driving record may earn you discounts.

Additionally, your chosen coverage and deductibles directly impact your monthly cost — higher coverage limits or lower deductibles generally mean higher premiums. Liberty Mutual also considers annual mileage and whether your car is used for commuting, business, or personal purposes. Together, these factors help the company tailor pricing to your individual risk profile and driving habits.

• 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, 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.

Car Insurance Coverage Calculator

Liberty Mutual offers a car insurance calculator that doesn’t require your personal contact information. This calculator helps 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 car insurance app that allows you to manage accounts and file claims from anywhere. The app is highly rated, with a 4.6 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.

Liberty Mutual writes insurance policies in all 50 states and the District of Columbia. Note coverage options and discounts vary by state due to regulations. For example, telematics programs (like RightTrack) are generally not available in California.

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

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. It also has an A2 from Moody’s, and an A from Standard and Poor’s.²

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.

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
• 175 Berkeley Street
• Boston, MA 02116

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.