Liberty Mutual Auto Insurance Logo

Liberty Mutual Auto Insurance

Is This Your Business?
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61 User Reviews

5.9

Overall Score

You want to get the coverage you need at a price you can afford. Liberty Mutual helps you customize your policy to meet your needs and save money. 

If you're looking for good personal car insurance options, Liberty Mutual is a recommended choice. You can benefit from specialized coverage options if you're a teacher or traveling to Mexico in your car.

Top Ranked Companies

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The Good

  • Good Coverage Options
  • Teacher Protection Feature
  • Auto Insurance Coverage in Mexico
  • Variety of Discounts
  • Online Quote
  • Simple Claims Process
  • Helpful App

Good Coverage Options

All of Liberty Mutual's policies come with medical payment coverage for you and your passengers, bodily injury liability coverage, and property damage liability coverage.

You can add further protection to your policy from the following features:

  • Collision coverage
  • Comprehensive coverage
  • Uninsured motorist coverage
  • Deductible reduction (additional premium to reduce deductible annually, terms and conditions may apply)
  • Lifetime Repair Guarantee (locate approved direct repair facilities when you're in an accident)
  • New Car Replacement™
  • Better Car Replacement™
  • Rental car reimbursement
  • 24-hour roadside assistance
  • Gap coverage (if your leased car is totaled, this covers the rest of your loan)
  • Original parts replacement
  • Accident forgiveness
  • Deductible Fund® 
  • Personal Injury Protection (PIP)

With so many options to customize your car insurance, you'll be able to find a policy that meets your needs and fits your budget.

Teacher Protection

Liberty Mutual offers special coverage for teachers. Called Teacher Protection, it covers vandalism on school grounds with no deductible, up to $2,500 per occurrence of stolen supplies or school property from your car, and no deductible if you're in a collision while on school business. These additional protections for teachers are beneficial.

Auto Insurance Coverage in Mexico

This coverage is necessary if your car is going to Mexico. You can customize your coverage limits, duration or your policy, and specific types of coverage.

While online details are more limited, it's worth looking further into Liberty Mutual's policies.

Variety of Discounts

Liberty Mutual offers several discounts. With a good variety of discounts, you're likely to benefit from at least one.

Liberty Mutual offers the following discounts:

  • Online quote
  • Online purchase
  • RightTrack® (discount for good driving and participation in driving monitoring program)
  • Homeowner
  • Military
  • Early shopper (get quote from Liberty Mutual before your current policy expires)
  • Good student
  • Student-Away-at-School
  • Advanced safety features (anti-lock brakes, adaptive headlights, etc.)
  • Alternative energy (hybrid and electric cars)
  • Anti-theft
  • Accident free
  • Violation free
  • Multi-policy discount
  • Multi-car discount
  • Preferred payment (autopay)
  • Pay-in-full (pay in one or two payments)
  • Paperless policy

Online Calculator and Quote

Liberty Mutual several helpful online shopping tools. You can use the car insurance calculator to see what coverage recommendations Liberty Mutual has. You'll answer questions about your preferences, age, car, and more before seeing recommendations. You can transition smoothly from the recommendations page to the online quote process by entering your zip code.

You can also access online quotes from Liberty Mutual's homepage, which makes getting this information as fast and convenient as it can be.

Simple Claims Process

Liberty Mutual's claims process is simple. Your damage is reviewed, and you pick up a rental. You'll receive an estimate and schedule repairs. Manage your claim process fully online or file and track it with Liberty Mutual's app.

Using the Express Estimate™ service, you can upload photos of your car and the damage. You can also benefit by using Liberty Mutual's network of vetted repair shops called the Guaranteed Repair Network. These repair shops offer high quality services and are trusted.

Helpful App

Liberty Mutual also has an app that you can use for bill pay, getting help, filing a claim, and anything else you need to manage your policy.

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The Bad

  • Some Coverages and Features Vary
  • Must Provide Personal Information for Quote

Some Coverages and Features Vary

Not every coverage that Liberty Mutual offers is available in every state. If you're interested in working with Liberty Mutual, you should get an online quote or contact the company directly.

Must Provide Personal Information for Quote

To get a quote, you'll need to provide personal information, including your car's VIN, your driver's license, and home address. While this is much more specific than for other products or services, it's standard practice for the car insurance industry. Providing this information will help you get an accurate quote. 

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The Bottom Line

While some coverage and feature options can vary by state, Liberty Mutual is still a good choice when buying car insurance. It offers flexible coverage options and many discounts to help you save.

Teachers and travelers to Mexico can benefit from Liberty Mutual's specialized coverage options. These coverages offer additional protection while you travel or work.

Liberty Mutual gets our recommendation for offering good policies, a wide range of discounts, and convenience.

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Star Rating

3.8

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61 Reviews

Review Breakdown

5 grade

43%

4 grade

25%

3 grade

13%

2 grade

5%

1 grade

15%

Sentiment Criteria

Value

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Quality

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Service

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Trustworthiness

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John Sutherland

Liberty Mutual is an older insurance company, and I've had auto insurance with them for maybe a decade. I rarely, if ever, file insurance claims, so my experience has been on the purchase side only. Their rates are competitive when I ask them to be competitive.

11 months ago

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Chris Guenther Orem, UT

I have been with Liberty Mutual for both auto insurance and renters/homeowners insurance for years, and every time I shop around I can't find any company that can beat the rates I am getting along with the great service and good coverage. I consistently get really good customer service when I call in, I can get a hold of my local agent if I really need to , which I rarely do because the 1-800 service center always takes really good care of me. I just added my 2 teenage boys to my auto policy, and amazingly after all of the discounts we qualified for, the rate is not nearly as bad as I thought it would be. In fact it's a really good rate that I thrilled with! Maybe its because we have been with them so long, but whatever the reason I am a very happy customer and very pleased with the rates I pay, the service I receive, and the coverage provided. I am a very satisfied Liberty Mutual customer!

5 years ago

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M MP Darby, PA

I love my insurance company. They are professional and pleasant. They have been helpful reviewing my current plan to help me save money during COVID. When we moved from MA to PA they were great and made things easy with our home coverage and discounts. They work with you when it comes to getting money back from accidents cashed by others. Def recommend

10 months ago

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Melvin Walker Ardmore, OK

I am very happy with Liberty Mutual Insurance they have good prices and good coverage and I’m extremely pleased with the road side assistance they offer I’ve had to use it a couple of times and they had help on the way in a timely manner grateful for that

1 year ago

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Beverly Schacher Gulfport, MS

We have been Liberty Mutual customers for many years. I had a small "fender bender" several years ago (my fault) that was taken care of easily and did not result in an increase in our rates. The customer service is excellent. I would definitely recommend them.

1 year ago

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Lourdes Rivera Wilmington, DE

We have been customer since 1998 and they have been there every time we need them claims get process fast and your vehicle get repaired fast and if there is any injury everything gets covered pretty much. It would be nice if they contact you when you insurance is up for the year you need to call them to get your rate lower

2 years ago

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Dan Rowlett, TX

Liberty Mutual has great customer service and the process to fulfill claims is smooth and simple. Their online platform is very good and allows you to check your policy documents, change your policy, etc. all online. The only issue with them is that they are often over-priced when compared with competitors. I see Liberty Mutual as the Verizon of insurance companies. Best quality for the highest price.

3 years ago

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JAMES

They do what they say. Their road services are top rated in my book. Customer service I rank very high. I have had several insurance companys in the past and none can hold a candle to Liberty Mutual.

3 years ago

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Kari Staheli

I had a multi-policy with Liberty Mutual for my cars and home. I went with it because I received a good discount from Liberty Mutual through my husbands work. This company was great when I had a small fender bender in a parking lot. The customer service quickly walked us through the steps so we could get our claim in and our car fixed.

3 years ago

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Val Troy, MI

I have been with the company for over 5 years. I had 3 houses (2 rental and residential) and 3 cars insured with the company. In my family, we never had any accident or any kind of claim from the company. However, every year in average pump up my insurance 10 to 15%. When I called and I complain, there response was that the company some how should recover their money from good customer instead of those with bad reputation. It is a shame isn't? Somebody else doing the bad things but the good guy should pay for it. For the above reason and dishonesty of the company, I don not recommend anyone to buy insurance from Liberty mutual whether it is auto or house. This insurance company is less than average insurance company and in my opinion it is a "-D" insurance company. Don't waste your money on this company

2 years ago

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Breanna Jones Herriman, UT

My car was hit and the person who hit me has this insurance. When I called to report the accident, the process was fairly quick and painless. I was upset because of the accident but I appreciate the claims process being easy.

3 years ago

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Connor Farmington, UT

I love that you can get the exact coverage you need with Libert Mutual, and the app that measures your safe driving habits is a great tool to prove you are as good as a driver as you claim.

1 year ago

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Jennifer Bachan Dalton, PA

I have a 10% off my policy because of my employer and they make it easy to pay by taking out of my pay check. My agent is easy to get in contact with and answers my voicemail promptly. I have had no complaints.

1 year ago

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Katie Howard Pleasant Grove, UT

We've been with Liberty Mutual for a long time, but twice in the last two years they have jacked up our premium sky high without warning or explanation. The first time I talked to the agent and he found a way to lower it. This time he said the company has taken it out of his hands and I have to go through customer service. I thought that's what the agent was for. I might be looking for a new insurance agency soon.

2 years ago

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Ellen Brennan

Price - originally signed with the general overpriced and they refused to return a payment even though I cancelled the coverage

11 months ago

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S.Faith

Prompt to file a claim & great customer service. You never on hold and they are always responds quickly & explains everything you need to know

11 months ago

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Kevin B Maple Grove, MN

Horrible claims experience; it's all about sales. IF you have a claim with Liberty Mutual car insurance, get a lawyer to represent you, else your case will be managed by a young idiot who follows company policy to give a claim loss that is a low amount and included vehicles that shouldn't be included within the "same / similar" classification. Horrible company that spends tons of money on advertising but the claims department will leave you out thousands of dollars.

1 year ago

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Amy Boren American Fork, UT

I had a great conversation with one of their reps on the phone. They were great at explaining everything. When it came down to getting a quote the rep gave me an amount and then said the quote was only good for 24 hours and then it would go up 20%. I will never be pressured into a contract so we went with another company.

1 year ago

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Spencer Hodgson Salt Lake City, UT

Liberty Mutual is the only car that offers better car replacement. I appreciate them because they think outside the box and try to give you the best service.

2 years ago

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No Savings Monticello, GA

Good service and personal. We have our homeowners policy with them as well. They are higher than we paid in VA, but Georgia rates are higher across the board

2 years ago

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Sandy Sutton Spanish Fork, UT

I felt like Liberty Mutual thought of me as a policy number and not an individual customer. I feel they need assessable and individual service people for different areas who you talk to

3 years ago

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Michael Moss Neptune, NJ

When a company pulls their ads from a TV show over "alleged" charges & out of court high $$ "settlements" in an attempt to influence what/who I watch, I will no longer do biz with them. A very scary tactic to determine "approved" TV content & going down a very slippery slope. As for my opinion directly related to Liberty Mutual car insurance, I was getting very tired of their annual +/-10% rate increases DESPITE a perfect driving record with yet another insurance company. Thankfully, I never needed to file a claim.

4 years ago

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Customer Saratoga Springs, UT

Customer service is good once you eventually get someone on the phone. They try to make you go to their website for all their stuff but doesn’t work for everything and you just want to talk to someone.

1 year ago

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RaeBailey La Porte, TX

Liberty Mutual,, Overdrawn my debit account by taking out payment 1 month early and bounced several checks. They never took responsibility. Insurance was pretty high for a bare bones policy. After cancelled, they turned over the balance to credit bureau. I had to report problem to credit bureaus. This took some time. All they want is money.

2 years ago

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Misled

Any claims or questions have always been handled very quick and everyone I speak with is friendly, professional and helpful.

3 years ago

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Jon Healy

Double coverage for less money, great customer service ,agent well informed and willing to listen to your needs.

3 years ago

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Tom Gourley Pleasant Grove, UT

Liberty Mutual offers a wide range of services and when I talked to them they were friendly and helpful. Ultimately, however, I did not use them because their pricing was higher than I found from other reputable carriers.

1 year ago

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Lauraine Pleasant Grove, UT

Liberty Mutual is literally the worst car insurance company out there. Almost a year ago my family and I were involved in a car accident where the person at fault had LM. A year later, we are still fighting them to cover our expenses and we have an open law suit. LM refuses to pay for anything they were contracted to. Would give zero stars if possible. DO NOT USE LIBERTY MUTUAL!!!

1 year ago

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Madge Easton Orem, UT

we have had this insurance for our cars and home for anumber of years. We were able to get a discount by bundling home and cars. Good to adjust when we have had to change our policy.

2 years ago

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CjP Haiku, HI

Excelkent attention to details. Asked questions to ensure i only paid for what I really needed

2 years ago

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Tlak Baldwinsville, NY

Great agent who is opwn about all options and customized my coverage for my needs

3 years ago

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Rene Atkinson San Juan, TX

Price, service and ease of access. It is easy to speak with representatives/humans.

3 years ago

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Debra Ogden, UT

Not my favorite insurance company. First year rates were good, but then they increased them significantly even though we had no accidents or tickets. When I asked them why they increased the rates they said we were about due for an accident or ticket???

1 year ago

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Kate Gregory Pleasant Grove, UT

Liberty Mutual is THE WORST INSURANCE COMPANY. EVER. Every single person I know that has had to deal with them absolutely agrees. We were rear-ended a year ago by a driver with Liberty Mutual and they have refused to pay our medical bills. For a year. They lowball every bill. Do NOT use this company-- for your sake or anyine else's.

1 year ago

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Rushie Gregory Pleasant Grove, UT

Liberty Mutual is literally the worst. We were involved in a car wreck almost a year ago, and the guy who hit us had Liberty Mutual. They were the most unhelpful, unprofessional, lazy car insurance I have ever had the displeasure of working with. Do not use Liberty Mutual and hope and pray you never have to deal with them.

1 year ago

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Amber Saratoga Springs, UT

We had Liberty Mutual for many years until recently. We switched our auto insurance because Luberty Mutuals rates for teenage drivers were higher than their competitors.

2 years ago

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L Gilbert, AZ

Good coverage for reasonable rates, but rates increase every term. 4 stars instead of 5 for Teen driving rates being much too high.

2 years ago

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Kathy Norman

Excellent service and price, great people

11 months ago

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Bayla Sarasota, FL

They helped me through 2 repair procedures with no questions.

2 years ago

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Maureen Lawlor Endicott, NY

Best customer service ever. Very helpful and they are always curtious!

3 years ago

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Tan Siang

fast, efficient, good priced. Customer service is good, trustwothy

3 years ago

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Sampson Adu-Poku

The agent lied to me. I had Geico, I went to liberty mutual because of homeowners insurance and the experience isn't good

3 years ago

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George Frankovich

Great customer service , fair price, quick claim settlement

3 years ago

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Kelly Musgrave

Good service, good value, fair. You deal with a real person and they respond.

3 years ago

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Janice Muzzi

Always available to answer questions or solve problems when you call.

3 years ago

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Chaz

They have been great except the increases in Premiums? When I have never file a claim to anything

3 years ago

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Cathy Gordon West Chester, OH

Based on the TV adverts, I detest this company. It plays to millennials who feel that they are entitled to much more than they should be. I hate the commercials and would never seek this company out.

3 years ago

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Maryayb Draper, UT

So Impressed by this company! They handled legitimate claims quickly and professionally.

3 years ago

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Charlotte Giles Salisbury, NC

Gave me my rates quickly and communicates well.

2 years ago

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M. Silver Los Angeles, CA

I am well informed about the service I'm receiving

2 years ago

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