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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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3.8

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67 Reviews

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43%

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24%

3 grade

13%

2 grade

4%

1 grade

15%

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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.

5 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

7 years ago

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Odessa Prater Baltimore, MD

the rates are too high, even if you don't use it

4 years ago