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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

Review Breakdown

5 grade

43%

4 grade

24%

3 grade

13%

2 grade

4%

1 grade

15%

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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!

8 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.

7 years ago

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Brandon Griess Houston, TX

So they are good, customizable, and have progressive software/image, offers, and pricing for insurance. My fault that I missed payments too many times, but never beard from them about trying to fix it, it went to collections before I noticed it. Was very upset to have not been called or emailed, or shown in email/text mssg that I am behind on payments, they confirmed it and brought it out of collections. Paid the cost of the rest of contract but would only allow me to continue using them after first year if I paid the next year entirely upfront and with nearly a double rate. Took that money and bought different insurance considering I would have the chance to restart my reputation for financial competency. Instead of settling for double the cost of original insurance plan, they forced me to settle with half the price with progressive, of which I am also dissatisfied with the level of trust progressive afforded me. Pretty much, use whichever insurance until they do you wrong, then switch so you cant say “I pay for my mistakes” potential conclusion to be made upon the person that doesn’t take the time to switch

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.

7 years 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.

6 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

6 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.

5 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

4 years 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

4 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.

6 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.

6 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

7 years ago

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Bob

Good company. Price fits our budget. Family member employed by this company.

5 years ago

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Greg Hollingshead Huntsville, AL

Pretty good at what they do and there price is fair. Been insured with them since 1999.

5 years ago

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Jennifer Cameron Herndon, VA

Rates are high for a used paid off vehicle

7 years ago

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Joshua Stewart Salt Lake City, UT

I love the wide variety of discounts offered.

7 years ago