Liberty Mutual Insurance Review
Liberty Mutual is rated 3.3/5 by WalletHub’s editors, based on sample 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 3.85, 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: 3.0/5
- J.D. Power: 3.2/5
- NAIC: 3.56
- BBB: A+
- S&P: A
- Moody’s: A2
Liberty Mutual Auto Insurance Review Highlights
Rank — 3rd 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
$175 per month
$105 per month
$73 per month
45-Year-Old with a Speeding Ticket
$111 per month
45-Year-Old with a DUI
$156 per month
$72 per month
$76 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 3.3/5, partly because it has a reputation for unexpected price increases and slow communications. To learn more, check out WalletHub’s complete Liberty Mutual Review.