Liberty Mutual

1,561 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

Find Cheap Car Insurance from WalletHub Partners

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 05/25/2023.

2.4

What's Your Rating?

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

Marie MEADE
May 29, 2021 • @dr_marie

Liberty Mutual is a HORRIBLE insurance. I am being charged a deductible over almost $2000 for repairs from a storm. Of course, I am cancelling as soon as I can find another company. And I have been paying them for over 15 years almost $2000 a year. I have only had one other claim that they NEVER FINISHED adjusting for. My costs were over $10,000 and they gave me less than $5.000. They only took care of the ONE CLAIM and NOT FULLY.

Comment

alstongwen26
July 7, 2021 • @alstongwen26

I'm proud to say that I'm a customer. Everyone that I have dealt with are extremely professional and helpful! Especially the assistance today from "Tina" my roadside representative.

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

View more comments

Hudson_Bob77
May 25, 2023 • @Hudson_Bob77

I had three major hail storms in 2022 and have had nothing but the run around from Liberty mutual. I have had multiple claims adjuster who have done nothing but give me the run around from: Jessica Merced, Matthew Davis, Scott Coleman, Ulavia Dilworth. Run away from this company

Product: Liberty Mutual Home Insurance

Comment

Ninasidrew
May 23, 2023 • @Ninasidrew

Liberty mutual cancelled my car insurance on my renewal date because I used the roadside assistance that I pay for to jump my car from my driveway. I'd left a light on and I didn't have anyone around to jump it. They claimed to have sent me notice and told me the date and time I received an email, but the email does not exist. I can see other emails from them around that time for my other policy so I know I was getting their emails.
I went without car insurance for a couple weeks without realizing because of this. Called and they explained that I'd used the roadside assistance and that was enough to cancel on me.
Don't use them. They want you to pay for services but never use them.

Product: Liberty Mutual Car Insurance

Comment

jojorn269
May 22, 2023 • @jojorn269

If I could give a -100 review, that’s what I would give. They are horrible. They change my deductible without my consent or knowledge. And they refuse to correct the issue with after I had a claim.

Product: Liberty Mutual Home Insurance

Comment

Gregory Addison
May 20, 2023 • @awesomehands16

The agent I met was the absolute best
Kelly Poulsen Service Rep, Commercial
085H-02611 Small Business Service Center.....went above and beyond. She really took time to see every aspect through. From Contacting real page, to helping set up the type of auto insurance I needed to follow up calls and emails. KELLY POULSEN I WISH I COULD GIVE YOU 100 Stars. We really need more people in customer service, who give customer service. Liberty Mutual you have a Awesome Awesome Awesome Employee in Mrs Kelly Poulsen.

Product: Liberty Mutual Business Insurance

Comment

nickiekersh
May 19, 2023 • @nickiekersh

Horrible experience with filing a claim. Customer service is awful. Been a customer since 2011. Time to find a new insurance company.

Product: Liberty Mutual Home Insurance

Comment

Zachary_hermes_91
May 17, 2023 • @Zachary_hermes_91

ALERT!! THIEVES! Terrible company, avoid at all costs! I live in Illinois and have been a great customer of theirs, I have never submitted a single claim. Last winter I left my battery on too long and needed a jump. I pay for roadside assistance so I went through that process to have someone come jump me. I thought everything was fine, then 5 months later I get a letter saying they won't renew due to "towing and labor". I call thinking this was some kind of mistake but nope it was not. The employee actually said she sees this all time, especially from Illinois, and that she knows no one will be able to help me and I should find someone else. Their own employee actually agreed with me that it's wrong what the company is doing with their customers. So listen to the person that's employed by them and STAY AWAY!

Product: Liberty Mutual Car Insurance

Comment

JBermudez3
May 18, 2023 • @JBermudez3

This is exactly what just happened to me. One roadside assistance claim for a flat tire and we have been dropped. I feel a class action lawsuit is the way to go given the amount of recent negative experiences from loyal customers.

Comment

JBermudez3
May 17, 2023 • @JBermudez3

Have had this insurance for two years. In those two years, we have filed exactly one claim for roadside assistance (flat tire). They dropped us and sent a non-renewal letter citing this one claim as the reason. It is absolutely insane that we haven’t had a single accident, moving violation or other claims and they just drop you for a single flat tire. They didn’t even give the option of increased rates. Why offer roadside assistance as a benefit if by using it, it means they will cancel you anyway? It took 4 customer service agents to get to the right department totaling an hour lost. They are simply horrible. After almost 40 years of driving, we have never had such a horrible experience.

Product: Liberty Mutual Car Insurance

Comment

Jeffrey
May 12, 2023 • @JJCC6391

I paid one year in advance on day one of full coverage auto insurance policy. Before the policy expired I signed up with a different Insurance company with better rates. The day after the Liberty Mutual Auto Insurance policy expired I was notified for late payment, for what? My policy had an expiration date, why are you contacting me? Within two weeks I get a bill from them, why? They Liberty Mutual Auto Insurance bills you even when you don't have an active policy any longer. I'm guessing they expect you to renew at their outrageous renewal rate, and when you don't accept them, you get a Bill. If you don't pay immediately, they WILL turn you over to the big 3 credit bureaus. I disputed instantly and said I will never pay, if they want it sue me for it so I can have my day in court. No not me, not ever again will I do business with Liberty Mutual.

Product: Liberty Mutual Car Insurance

Comment

Soni_nicole_6
May 17, 2023 • @Soni_nicole_6

So what did you end up doing because they’re threatening and still harassing me for $200 saying that I never canceled my policy when I know that I damn well DID!!! they’ve been trying to bill me for $200 ever since I cancel my policy because the new rates were outrageous! Now they’ve got a debt collector trying to collect it from me otherwise It’ll be on my credit now and I’m LIVID because I’ve had geiko forever now and suddenly I owe them because I can’t prove the moment and EXACT date I called and canceled! Funny thing is I had to call and cancel two times because the first called it was a Korean dude barely spoke proper English and did not cancel me like he said he did, (my guess is they do this purposely because they don’t want you going anywhere else) so I had to call again because I kept getting notified they were trying to take 200 directly out of my account! I was like screw that I’m not paying that I canceled already. I’m not paying for a month of services that I didn’t get.! So now they won’t take it off! Telling me to go shove it up my a$& basically ! But I’ve been working so hard on my credit now it’s all gonna be ruined just because of this, so any advice, or anybody I could call would be awesome. Did it ruin your credit?

Comment

jmwasson27
May 10, 2023 • @jmwasson27

The only reason I am giving Liberty Mutual 2 stars instead of 1 is that they have a helpful app. Otherwise, my experience has been awful. I have Home Owners with them and last year we had one small claim for a burst pipe. It's our only claim in the 5 years we have used them. We received around $1,100 to fix the damage. (Not much) After that, they raised my yearly premium by DOUBLE and said that I'd have a $2,000 surcharge per year until 2027 (because of the one claim). Oh, and if you ever want to get through to an actual human customer service rep, you will probably be hung up on by their system at least 3 times first. My advice: Steer clear of Liberty Mutual!!

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(119 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 impact your final quote, as does your eligibility for discounts.

Liberty Mutual Car Insurance Rates vs. Popular Competitors

Company	Average Cost of Minimum Coverage
Liberty Mutual	$1,090 per year
Geico	$462 per year
State Farm	$718 per year
Progressive	$549 per year
Allstate	$781 per year

Note: Rates are an approximation based on a 45-year-old driver in California. Actual rates will vary. For more information, check out the methodology section of our Liberty Mutual car insurance review.

Other Factors That Make Liberty Mutual Insurance Competitive

Liberty Mutual offers 13 auto insurance discounts.
Liberty Mutual offers 37 different types of insurance.
Liberty Mutual customer service representatives are available 24/7.

To learn more, read WalletHub's complete review of Liberty Mutual.

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 $73 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 than one car and bundling multiple policies, such as home and auto.

Average Monthly Rates for Liberty Mutual vs. Top Competitors

Company	Minimum Coverage	Full Coverage
Liberty Mutual	$73	$230
State Farm	$77	$218
Progressive	$54	$168

Note: Premiums are representative of a 45-year-old good driver in CA; individual premiums will vary.

Liberty Mutual is especially cheap for young drivers in particular. That's because Liberty Mutual has special savings opportunities for drivers in this category, such as discounts for students who maintain at least a 3.0 GPA.

Your final premium is based on a variety of factors, though, such as your driving record, insurance history, and more. Every insurance company determines their rates differently, so even though Liberty Mutual is among the cheapest car insurance companies, the only way to confirm you've found the lowest price is to compare quotes from multiple companies.

To learn more, check out WalletHub's review of Liberty Mutual and see Liberty Mutual's full profile.

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
Farmers	882/1000
State Farm	882/1000
Geico	874/1000
Progressive	861/1000

Source: J.D. Power Claims Satisfaction Survey, 2022

It takes about 30 days, on average, for an insurer to pay out a claim, but this may vary depending on the circumstances. To ensure that your claim is handled as quickly as possible, be responsive and detailed when answering any questions your insurance company might have. If your claim is taking too long, you can contact your insurer directly or go to your state's insurance regulator for help.

To learn more about the claims process, check out WalletHub's guide to car insurance claims.

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 good choice for drivers who don't want to pay out of pocket to repair or replace their car, even if they are at fault in an accident. Collision insurance covers the cost of fixing or replacing the policyholder's vehicle after an accident, regardless of who was at fault. Similarly, comprehensive insurance covers the policyholder's car if it's damaged by something besides an accident, like vandalism, a fire, or a natural disaster. Collision and comprehensive are not mandatory in any state, but they are required for leased and financed cars.

Still, it's worth noting that full coverage is not the official name of any type of insurance, so be sure to clarify whether collision and comprehensive are included if you're purchasing a Liberty Mutual policy. To learn more, check out WalletHub's guide to full coverage car insurance.

Note: Rates are an approximation based on a driver with full coverage and a clean driving record in Florida. Actual rates will vary.

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, including who was at fault, how much damage was caused, and the policyholder's driving and claims history. In general, at-fault accidents or severe accidents that lead to expensive insurance claims increase rates more than minor or not-at-fault wrecks. Repeat offenders also see relatively large rate hikes.

To learn more, check out WalletHub's complete review of Liberty Mutual car insurance, as well as our guide to accident forgiveness.

Liberty Mutual Contact

What type of help do you need?

Visit Website

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

opens Monday: 12pm

175 Berkeley Street

Boston, MA 02116

Local Liberty Mutual agents:

Claim This Page Report Abuse

Information on this page is provided 'as is' and solely for informational purposes, not for any other purpose or advice. In addition, this information does not originate from us and thus, we do not guarantee its accuracy.

You can check the profile page of each professional or company to determine whether they are a paying advertiser (indicated by the word "sponsored"). Regardless of advertiser status, none of the listings, reviews, or other information on WalletHub constitutes, in any way, a referral or endorsement by us of the respective financial company or professional, or vice versa. Furthermore, it is important to note that the inclusion of a financial company or professional on WalletHub does not necessarily indicate their involvement with the site or control over the information that we display. Information is displayed first and foremost for the benefit of consumers.

Editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution's responsibility to ensure all posts and questions are answered.