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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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Sharon Las Vegas, NV

Liberty Mutual throughout my insurance quote process, was committed to saving me money. My sales agent was flexible, available, and helpful in providing me with the best plan for my family with good rates. If you sign up for their right track program, you can save even more money on your auto insurance.

1 year ago

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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.

4 years 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

5 years 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.

5 years 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

6 years ago

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Kort Kort Hopkinsville, KY

I have been with this company for a few months now. I really do love it. Everyone is very professional and wants to help you with whatever questions you may have. I have not had a single bad experience since I have been with them. I have spoken to managers before and they were also very put together and respectful. You can tell that they really enjoy helping customers. On the other end, they could take a little bit more time actively listening to their customers’ needs and wants on the phone. That’d make a big difference. Otherwise, a great company!

3 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

4 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.

6 years ago

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Madeline Chavez Idaho Falls, ID

Lively and affordable! I love the payment schedule and knowing that I never have to pay a ridiculous amount like other car insurances would have you pay

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.

5 years 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.

5 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.

7 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

6 years ago

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Tlak Baldwinsville, NY

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

7 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.

7 years ago

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Bayla Sarasota, FL

They helped me through 2 repair procedures with no questions.

6 years ago

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Maureen Lawlor Endicott, NY

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

7 years ago

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Tan Siang

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

7 years ago

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George Frankovich

Great customer service , fair price, quick claim settlement

7 years ago

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Kelly Musgrave

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

7 years ago

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Janice Muzzi

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

7 years ago

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Maryayb Draper, UT

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

6 years ago Edited September 14, 2021

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Kathy Norman

Excellent service and price, great people

4 years ago

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Charlotte Giles Salisbury, NC

Gave me my rates quickly and communicates well.

5 years ago

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M. Silver Los Angeles, CA

I am well informed about the service I'm receiving

5 years ago

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Anna Champion

They premiums get autodrafted from my payroll

6 years ago

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Scott Marten Pueblo, CO

Very friendly. Great rates. Great website

6 years ago

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Myrna

several different alternatives, car replacement, easy pay

6 years ago

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Marc Lipman

Their prices are reasonable and their service is excellent

7 years ago