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Liberty Mutual Auto Insurance

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6.1

Overall Score

Author: Kaitlyn Short

LAST UPDATED: January 14th, 2024

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.

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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

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3.8

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67 Reviews

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5 grade

43%

4 grade

24%

3 grade

13%

2 grade

4%

1 grade

15%

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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

6 years 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.

5 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.

7 years 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.

5 years 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!!!

5 years ago

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Amanda Lynne CO

Horrible customer service. Was hit by one of their insured and still 4 months later no resolution. My car is valued between KB and comps at over $9k and they are offering $6400. Such a slap in the face. I have been passed from one agent to the next.

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???

5 years 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.

5 years 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.

5 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.

6 years ago