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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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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.

7 years ago

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Karen

At first the customer service was excellent. I was happy with the rate. Unfortunately, the customer service has declined tremendously in my opinion. It is very difficult to get through their automated system to a real human. I tried to email and call one agent that had helped sign me on, but he would not return my calls or emails. They just increased my rate by $10.00 a month when I have had an excellent record. Had to switch companies.

3 years 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.

6 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

7 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.

5 years 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.

6 years 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.

6 years ago

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Lee Akeley

Nice beginning rate, then next year big increase

6 years ago

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WILLIAM POTTER Huntersville, NC

a little high in my opinion for what they have to offer you

7 years ago