Will you really only pay for what you need?
For more than a century, Liberty Mutual has offered auto insurance throughout the U.S. Its online platform provides potential customers with an easy way to request quotes or sign up for new policies. Liberty Mutual provides many options beyond basic car insurance, including gap, new car replacement, and original parts replacement coverage. This review goes over what Liberty Mutual offers and how to evaluate whether it would be a good option for your auto insurance.
Liberty Mutual provides customers with many ways to tailor their auto insurance policies. However, it’s not ideal for everyone.
Many types of coverage
Lots of discounts
Robust digital tools
Does not offer discounts for defensive driving courses and airbags
Premiums can run higher than similar insurance companies
Like many auto insurance providers, Liberty Mutual has a list of standard options that come with every auto insurance policy it underwrites:
Here is a list of options policyholders can add to their basic auto insurance:
To personalize your auto insurance, use the online quote tool with Liberty Mutual.
The average cost for Liberty Mutual insurance is $1,637 annually. Liberty considers the following factors when calculating your auto insurance rate:
Liberty offers numerous ways for drivers to save on their auto insurance premiums.
Drivers can purchase Liberty’s auto insurance in all 50 states and the District of Columbia. Liberty Mutual owns Comparison Insurance Agency, which staffs local agencies that sell Liberty Mutual insurance. Comparison has more than 2,000 local agents in 180 offices. Most states have local agents available to assist with auto insurance policies. The following states have less than 10 agents:
These states, along with Washington, D.C., do not have any local agents:
Residents of states without local agents can still purchase auto insurance from Liberty Mutual.
Call customer service directly at 844-629-8984 or by mail at the address below:
Liberty’s mobile app allows users to do a variety of tasks:
The app has a good rating with users, with 4.7 out of five stars on Android and 4.8 out of five stars on iOS.
Liberty Mutual has excellent ratings from third-party reviewers and mixed ratings from customers.
Liberty Mutual has a robust selection of other insurance options for policyholders:
Liberty Mutual provides much more than auto insurance coverage, with a wide range of policies.
The process and possible fees for policy cancellation vary by state. Call Liberty Mutual’s customer service agents at 1-800-290-8711 to inquire about canceling your policy.
Liberty Mutual is the sixth-largest property and casualty insurance company in the U.S., as of 2021. That year, it had 5 percent of the property/casualty insurance market share in terms of direct premiums written, according to the National Association of Insurance Commissioners and the Insurance Information Institute. Liberty Mutual also ranked sixth for private passenger auto insurance by direct premiums written, with a 5 percent U.S. market share. For commercial auto insurance, it came in third with 4 percent.
The claims process with Liberty varies based on the severity of damage and the type of claim. Generally speaking, once you’ve filed a claim, a Liberty Mutual claims representative will review the incident details, then respond to you within one to two business days.
According to the J.D. Power 2022 U.S. Auto Claims Satisfaction Study, Liberty Mutual ranked 870, slightly below the industry average of 873. The study received 8,239 responses from auto insurance customers who had settled claims within the past six months.
Yes, in most cases, if you have a collision or comprehensive claim, Liberty Mutual requires you to pay your deductible upfront, even if the claim wasn’t your fault. However, you can enroll in the Liberty Mutual Deductible Fund to receive as much as $70 annually toward your deductible.
AM Best Affirms Credit Ratings of Liberty Mutual Holding Company Inc and Subsidiaries. AM Best. (2022, Jul 27).
Usage-Based Auto Insurance Takes Center Stage as Satisfaction Flatlines, J.D. Power Finds. J.D. Power. (2022, Jun 13).
Company Profile. Liberty Mutual Insurance. (2023).