Liberty Mutual

1,622 Reviews

Liberty Mutual offers auto insurance, life insurance, umbrella insurance, and other types of coverage to people in all 50 states and DC. The company has been in business since 1912. Here are a few other key things to know about Liberty Mutual Insurance:

3.2 / 5 rating from WalletHub editors
2.4 / 5 average rating among users. Read reviews.
A+ BBB rating
Headquartered in Boston

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Liberty Mutual Reviews

The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 09/25/2023.

2.4

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WalletHub
January 27, 2023 • @WalletHub

editor's review

Liberty Mutual Insurance Review

Liberty Mutual is a good insurance company and is rated 3.2/5 by WalletHub’s editors, based on insurance quotes, ratings from organizations like J.D. Power, and recent customer reviews. Liberty Mutual reviews from consumers tend to focus on its low prices and normally-courteous customer service agents. Its NAIC rating is 2.66, however, which means Liberty Mutual has received significantly more complaints than the average car insurance provider. Many customer complaints about Liberty Mutual deal with poor customer service experiences, unexpected rate increases and a slow claims process. Liberty Mutual was accredited by the Better Business Bureau (BBB) in 1931.

Liberty Mutual Insurance Ratings

Reviews on WalletHub: 2.4/5
J.D. Power: 4.1/5
NAIC: 2.66
BBB: A+
S&P: A-
Moody’s: A2
AM Best: A

Liberty Mutual Auto Insurance Review Highlights

Rank — 3^rd quartile among major car insurance companies in terms of price, according to WalletHub’s research.

Top Discounts — Homeowner, early shopper, online quote (up to 12%), and up to 30% for using Liberty Mutual’s telematics program, RightTrack.

Traditional Coverage Options — Bodily injury liability, property damage liability, uninsured/underinsured motorist, medical payments, personal injury protection, comprehensive, and collision.

Extra Coverage Options — Rental car reimbursement coverage, new car replacement coverage, better car replacement, accident forgiveness, 24/7 roadside assistance, gap coverage (if your leased car is totaled), original parts replacement coverage, protection for teachers (and their teaching supplies), and coverage while driving in Mexico.

Specialty Auto Policies — Coverage for ATVs, off-road vehicles, recreational vehicles (RVs), and antique/classic cars.

To help drivers better understand how much car insurance from Liberty Mutual costs, WalletHub’s editors obtained sample Liberty Mutual auto insurance quotes for a mix of driver profiles varying in age and driving record. You can learn more about these sample quotes in the Methodology section of our full Liberty Mutual Insurance Review.

Liberty Mutual Auto Insurance Quotes

Driver Profile	Average Quote
18-Year-Old	$217 per month
21-Year-Old	$130 per month
45-Year-Old	$91 per month
45-Year-Old with a Speeding Ticket	$138 per month
45-Year-Old with DUI	$194 per month
55-Year-Old	$90 per month
65-Year-Old	$94 per month

Liberty Mutual insurance rates are competitive, and the company offers several loyalty and safe driving discounts that make its policies more affordable. Liberty Mutual is also a good option for drivers who want lots of extra features, like rental car reimbursement, 24/7 roadside assistance and coverage while driving in Mexico.

Liberty Mutual Home Insurance Review Highlights

Liberty Mutual offers both homeowners and renters insurance, along with discounts for bundling multiple Liberty Mutual insurance policies.

A Liberty Mutual homeowners insurance policy covers your home and possessions from damage or loss caused by covered risks, such as fire, frozen pipes, water damage, wind/hail damage (including from hurricanes), and theft. Homeowners insurance from Liberty Mutual also has liability coverage for injury/property damage to others, and covers your living expenses if your home is being repaired and you can’t stay there.

Liberty Mutual offers two tiers of renters insurance: a standard policy and an add-on option. The standard renters insurance policy protects your personal property, covers additional living expenses if your rental needs work, and pays legal and medical bills in case someone gets hurt on the property you’re renting. The add-on policy offers extra protection for earthquake damage and lost/stolen jewelry.

Overall, Liberty Mutual offers reliable homeowners and renters insurance policies at reasonable prices. It also offers landlord, condo, and mobile home insurance policies.

Bottom Line: Is Liberty Mutual a Good Insurance Company?

Yes, Liberty Mutual is a good insurance company. Liberty Mutual offers auto insurance policies for drivers in every situation, from safe drivers with lots of experience to new drivers and customers with a less-than-stellar driving record. It also offers lots of extra coverage options so you can personalize your policy even more.

In addition to auto insurance policies, Liberty Mutual provides small business, property and life insurance policies, as well as coverage options for tuition costs, critical illness and identity theft. However, WalletHub’s editors give Liberty Mutual insurance a rating of just 3.2/5, partly because it has a reputation for unexpected price increases and slow communications. To learn more, check out WalletHub’s complete Liberty Mutual Review.

Product: Liberty Mutual Car Insurance

Comment

ruthap55
November 1, 2021 • @ruthap55

@corporateleather they are AWFUL! Won't let me cancel my brother's insurance (he no longer owns the car and is in assisted living)!

Comment

JaNay Searse
January 23, 2023 • @jstc2020

Had Liberty Mutual for (6) months policy to see what "you only pay for what you need" ... really means. Well, unfortunately for me I didn't get what I needed...but they got what they wanted. Be careful with "deferred payment options"; they are tricky and costly. They don't tell you you're not covered during a missed premium, plus they add hidden costs at the end when you cancel. There's a complaint in the works including the Insurance State Board, FTC and BBB. Gap insurance should be outlawed and those believing that "term" are ignorant. Don't buy Gap Insurance, it's b.s. BTW; I made all payments to premiums and when I cancelled; they added $191. as balance due. Disputing this charge.

Comment

Mrs Jax
May 31, 2023 • @MrsJax

@jstc2020 They did the same exact thing to me, but get this…they “lost” my initial payment cause the agent applied it to an unproduced policy! I sent the proof, filed a complaint with BBB and they still won’t take responsibility. They absolutely suck!!!

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dovewings44
August 15, 2023 • @dovewings44

Canceled car insurance while insurance was still good, did not let me know and then wanted $600 more extra dollars to have car insurance again, plus they contacted Ga and told them I did not have insurance. That cost me $25.00. These people are crooks would never purchase insurance again from them. So be careful with these crooks

Comment

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Nonna J
September 25, 2023 • @NonnaJ

Finds Reasons to Deny Claims
If I could give 0 stars I would!
We have multiple cars, but only insured 4 with LM. Each month the premium seemed to increase for "undislosed" reasons. Premium was paid when one of the cars was stolen. Instead of focusing on stolen car I was asked why had so many cars; why would we finance more than 1 car; what type of jobs do you have to afford these cars; where do we drive the cars or why would we drive the cars so far from home. The "investigator" proceeded to say she believed someone else was driving the car (uhm, the person that stole it obviously) and he had proof the cars were being driven in other places. I have never had an insurance company employee tell me where, when and how I could drive any car. Based on the "investigator's" personal level of understanding (and income level) the stolen car claim was denied. Luckily the finance company has stepped in along with an attorney to fight for settlement. The policy was canceled immediately after claim denial based on "investigator's" recommendation. And LM had the audacity to send a balance due notice that included a charge for the stolen car. Customer Service agent couldn't explain balance and said there was no notes on policy account about a stolen car claim or findings.
RUN, don't walk to a real insurance company. Don't give LM any money!

Product: Liberty Mutual Car Insurance

Comment

Juancolonmendoza106
September 23, 2023 • @Juancolonmendoza106

Bad experience...when life tends to do what life does they have no consideration what so ever I regret having them for so many yrs ...the customer service sucks I can barley understand what they are saying

Product: Liberty Mutual Car Insurance

Comment

Sqeekzz420
September 22, 2023 • @Sqeekzz420

THIS INSURANCE IS TERRIBLE!!!!!!!!! One of their drivers did a hit and run on my car and they won’t fix it!!! I have a literal video that clearly states their driver hit my car and it shows him driving off completely reckless! But yet the insurance still says their driver never hit me! I am now being ignored and no one will return my calls!

Product: Liberty Mutual Car Insurance

Comment

Theyartis Edwards
September 21, 2023 • @Theyartis

I had a client from Liberty Car insurance to run into the back of my vehicle at a stopping intersection. They are refusing to repair it and give me a rental. It has been a nightmare dealing with them.

It has been over a month since the accident. I told them about I would contact the NC Insurance commissioner office. They said go right ahead.

I am treated as if it is my fault for their client running into the back of my truck while I was at a complete stop.

Through it knocked my alignment off and my tires are being worn out because of the accident. They say my vehicle is still drivable.

Product: Liberty Mutual Car Insurance

Comment

Richardlindseycsc
September 21, 2023 • @Richardlindseycsc

What a joke. Asked for quotes from several insurance companies a short while back. Most responses were reasonable, but I stayed with my current insurer because of lower cost and great service. However, I was denied insurance by Liberty Mutual. I got a letter from them yesterday about why. Despite having an excellent driving record (no accidents, no tickets, 50 years driving experience, drive less than 100 miles per month), their decision was based on my credit history. Okay, so I struggle financially because of the inflation crisis caused by Biden, but what does that have to do with how responsible I am in my vehicle? All the other companies gave me a quote. I can go down the street and get insured in 10 minutes without question if I wanted. I'm glad I stuck with progressive. They insure both my car and my home. So I highly do not recommend this company for anything. Take your business elsewhere. Liberty Mutual is a joke.

Product: Liberty Mutual Car Insurance

Comment

Kim Moore
September 19, 2023 • @kmlmoore09

I am trying to request a tow, but the text that was sent to me does not work. The app let's me state where and what, but after that I
can’t choose the exact location in the parking lot. I just happy I was on the highway in the dark.

Product: Liberty Mutual Car Insurance

Comment

m_jobsonoliver
September 19, 2023 • @m_jobsonoliver

I had the worst experience with their car insurance. I had a claim that they denied and then they charged us for the re-assessment. Then a few months later they claimed to have "sent" us a notice in the mail that they were cancelling our insurance that I never received. Now I've been without insurance for a month without knowing and have to frantically find something else to cover us now with a higher rate because we will have a gap in coverage. Asking if they would cover our gap and they said there is nothing they can do. RUN from this company!

Product: Liberty Mutual Car Insurance

Comment

Brittany Brooks
September 18, 2023 • @Brittanylynn103

Had a conversation with the billing department about paying a certain amount, two days after I paid my auto insurance was canceled because I was told the wrong balance. It was canceled due to a dollar difference in the amount that was paid. This is the second time I've used liberty mutual and will never use them again.

Product: Liberty Mutual Car Insurance

Comment

Wventura
September 16, 2023 • @Wventura

Tree fell on my two car garage. At least 4 holes and damaged gutter. I have 1500 dollar deductible. They offered me $1499.64 with stipulation they would only replace 18 shingles scattered over holes. Unfortunately, the rep I dealt with was not as professional as she could have been. Very disappointed. Total cost to replace entire roof and gutters $5100.

Product: Liberty Mutual Home Insurance

Comment

Review Liberty Mutual

Liberty Mutual Offers

Boat Insurance

Business Insurance

Car Insurance

Commercial Auto

Commercial Property

Credit Insurance

Flood Insurance

Health Insurance

Home Insurance

Identity Theft Insurance

Life Insurance

Motorcycle Insurance

Pet Insurance

Professional Liability Insurance

Renters Insurance

Umbrella Insurance

Workers Compensation

Liberty Mutual Q&A(123 questions)

Are Liberty Mutual insurance rates competitive?

Upvotes

WalletHub

Yes, Liberty Mutual insurance rates are competitive for certain drivers, including teenagers, and college students. Liberty Mutual car insurance customers pay an average of $1,090 per year, which is more than the national average of $671 per year. Liberty Mutual's car insurance rates are based on your driving record and experience, along with factors like the type of car you drive, your ZIP code, your insurance history, and more. Your coverage and deductible choices also...

View more answers

Why is Liberty Mutual so cheap?

Upvotes

McKayla Girardin, Car Insurance Writer

Liberty Mutual is so cheap because the company offers a wide variety of discounts and is the sixth largest insurer by market share, which helps Liberty Mutual keep prices competitive. A minimum coverage policy from Liberty Mutual costs an average of $91 per month, and Liberty Mutual premiums can be made even cheaper by taking advantage of discounts such as safety features discounts and accident-Free Discount. Plus, Liberty Mutual rewards customer loyalty with discounts for insuring more...

Is Liberty Mutual good at paying claims?

Upvotes

Leif Olson, Car Insurance Writer

Liberty Mutual is decent at paying claims compared to the average insurance company, according to J.D. Power's latest claims satisfaction survey. Liberty Mutual scored 870 out of 1,000 for their claims process, compared to the industry average of 873 out of 1,000.

How Liberty Mutual's Claims Process Compares to Competitors

Company	Claims Satisfaction Score
Liberty Mutual	870/1000

...

Does Liberty Mutual offer full coverage insurance?

Upvotes

WalletHub

Yes, Liberty Mutual offers full coverage insurance. A Liberty Mutual full coverage policy usually refers to car insurance that includes the state's minimum requirements along with collision and comprehensive insurance, which protect the policyholder's own vehicle.

The average cost of Liberty Mutual full coverage car insurance is $2,849 per year. Full coverage from Liberty Mutual is more expensive than a Liberty Mutual liability-only policy, since it provides more coverage.

A Liberty Mutual full coverage policy is a...

How much does insurance go up after an accident with Liberty Mutual?

Upvotes

WalletHub

Liberty Mutual insurance rates go up by an average of 69% after an accident. Drivers who have Liberty Mutual accident forgiveness will not see their car insurance rates go up at all after their first accident in 5 years, however. Even if the accident can't be forgiven, it will only affect your insurance rate for 3-5 years, depending on your state.

The exact amount that premiums go up after an accident depends on a few factors,...

Liberty Mutual Contact

What type of help do you need?

Visit Website

Main: 617-357-9500
Toll Free: 888-702-5644

open now: 12pm - 11pm

175 Berkeley Street

Boston, MA 02116

Local Liberty Mutual agents:

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