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Liberty Mutual Car Insurance Review

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Liberty Mutual Auto Insurance - Introduction

Auto insurance from Liberty Mutual has a lot to offer. In 2020, Liberty Mutual wrote over $11 billion in insurance premiums, making it the sixth-largest car insurance company.

Liberty Mutual is considered to be one of the best car insurance companies. So, we at have decided to analyze and review how the car insurance company Liberty Mutual stacks up against the competition. evaluated Liberty Mutual's car insurance options based on coverage, third-party ratings, financial strength, and other factors.

Pros and Cons

Numerous options for coverage Some states have high premiums
Excellent financial strength and accessibility across the country Unexpected rate increases
Variety of discounts  

Unique Liberty Mutual auto insurance features

Features What it means
Valet Service A driver will be sent over to deliver your replacement car and to transport your damaged car to the shop for you (assuming it is drivable)
Deductible Fund You pay $30 a year, and Liberty Mutual puts $100 into a deductible fund.That fund increases yearly as a resource you can use if you need money to satisfy a Liberty Mutual deductible.
Better Car Replacement If your car is totaled, they will replace it with one model year newer car and has 15,000 fewer miles on it.

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Liberty Mutual auto insurance coverages

Rideshare Insurance - As one of the ridesharing companies' approved auto insurance providers, Liberty Mutual offers rideshare insurance through Lyft and Uber in specified areas. On the other hand, Liberty Mutual does not sell rideshare insurance as an add-on to personal auto insurance coverage.

While using the Lyft app, drivers in Arizona, Michigan, New Mexico, Texas, and Utah are protected by Liberty Mutual. Similarly, Liberty Mutual insures Uber drivers in Connecticut, Rhode Island, Vermont, New Hampshire, Maine, Massachusetts, South Carolina, and Puerto Rico until the journey or delivery is completed.

  • App switched on and waiting for a request: $50,000 in bodily injury liability coverage per person (up to $100,000 per accident) and $25,000 in property damage liability coverage per accident.
  • Passenger picked and traveling: Picking up or transporting a passenger requires $1 million in third-party liability insurance, as well as uninsured/underinsured motorist bodily injury coverage and contingent comprehensive and collision insurance (applies if the driver has personal comprehensive and collision insurance).
  • Deductible (Comprehensive and collision): Uber has a $1000 deductible for comprehensive and collision coverage, whereas Lyft has a $2500 deductible.

Personal auto insurance coverage applies when a driver's ridesharing app is turned off.

Mechanical breakdown insurance - Liberty Mutual does not offer mechanical breakdown insurance. Mechanical breakdown insurance (MBI) is a type of car insurance coverage only offered by a few insurers. It pays for repairs not caused by routine maintenance, wear, and tear, or an accident.

Emergency road service - With the purchase of optional Towing & Labor coverage, Liberty Mutual provides 24-hour Roadside Assistance, including towing to the nearest qualified repair facility, fuel delivery, jump starts, and unlocking car doors.

Accident forgiveness - If you haven't had any crashes or traffic offenses in the previous five years, your premium won't go up as a result of your first accident. This coverage is not accessible in California, and it may differ from state to state.

Glass coverage - On Liberty Mutual comprehensive auto insurance packages, windscreen coverage is included as standard, and this is an optional extra on third-party fire and theft car insurance policies. As long as an approved repairer is utilized, this covers all of the windows in the automobile (excluding sunroofs, glass roofs, and panoramic sunroofs).

A claim on your windscreen cover won't affect your claims bonus. In any given period, two claims are allowed for each car.

Rental reimbursement - If your car is damaged in an accident, Liberty Mutual will cover the cost of a rental car while it is being repaired.

To understand types of auto insurance coverage in detail, check

Liberty Mutual auto insurance coverages limits

As part of their "standard" coverage, Liberty Mutual provides the following benefits to policyholders.

Coverage for Liability - Liberty Mutual provides property damage and bodily injury coverage to its customers, required in most states. These protect you if you're at fault in a car accident and have to pay for the other driver's medical bills and property damage.

As a result, if you were at fault in a car collision with another car, Liberty Mutual would cover the other car's damages. Liberty Mutual would also cover the cost of crashing into someone's fence or mailbox.

Coverage for Medical Payments - If you're in an accident, Liberty Mutual's medical payments coverage will pay for your medical bills, legal fees, and any emotional distress you've had as a result of the accident. Liberty Mutual would compensate you for lost wages if you missed several days of work while recovering from the injury.

It will also cover bereavement expenses, which are the costs of losing a loved one in the event of a deadly accident.

Coverage for Personal Injuries - Liberty Mutual provides Personal Injury Protection (PIP) coverage, which is required by your state. Some states have higher insurance requirements than others. If you want to increase your PIP coverage, you can do so as an add-on to your policy. PIP covers your medical bills in the long run, not only in the immediate aftermath of your injury. This implies that if you or a family member has an injury that necessitates frequent hospital visits and rehabilitation, PIP will cover the costs.

Again, the amount of coverage provided by Liberty Mutual is determined by state legislation. Before you buy your insurance plan, make sure you're happy with the level of PIP coverage.

Low Coverage: Liability limits set by the state.

Medium Coverage:

Amount of coverage Purpose of coverage
$10000/$30000 Liability for bodily injury
Liability for bodily injury caused by an uninsured motorist
Liability for bodily injury caused by an underinsured motorist
Amount of coverage Purpose of coverage
$60000 Liability for property damage
Property damage responsibility for uninsured motorists
Property damage responsibility for underinsured motorists

High coverage:

Amount of coverage Purpose of coverage
$30000/$60000 Liability for bodily injury
Liability for bodily injury caused by an uninsured motorist
Liability for bodily injury caused by an underinsured motorist
Amount of coverage Purpose of coverage
$60000 Liability for property damage
Property damage responsibility for uninsured motorists
Property damage responsibility for underinsured motorists

Liberty Mutual auto insurance rates

It's easy to get auto insurance estimates from Liberty Mutual, and it only takes a few minutes. Several factors determine insurance premiums. Liberty Mutual calculates a suitable premium based on your age. Liberty Mutual provided us with predicted annual rates of $702.33 for a 45-year-old female driver and $816.72 for a 24-year-old male driver.

The area in which you live has a significant impact on your risk. Liberty Mutual considers everything from the number of cars on the road to the weather conditions you might face.

What kind of car do you drive? Some cars are more expensive to insure than others. The company considers the cost of replacement parts, the age of your car, and its safety features.

The car insurance coverage offered by Liberty Mutual is significantly more expensive than the competitors. Liberty Mutual car insurance quotes are 23% to 62% higher than typical industry rates, whether you want the bare minimum in liability insurance or complete coverage.

Liberty Mutual's auto insurance is more expensive than usual, regardless of how much or little coverage you need. Its rates for full coverage, on the other hand, are more competitive than its rates for bare minimum products.

Liberty Mutual car insurance rates by age

When we analyzed driver profiles for car insurance for women and men, we found that Liberty Mutual's bids were consistently higher than the average cost of coverage we've seen from other insurers.

However, it does not appear that Liberty Mutual charges drivers involved in an accident any higher than competitors. No matter which provider you choose, avoiding accidents — especially those that are your fault — is a critical approach for getting cheap car insurance.

  • Liberty Mutual Rates for Teen Drivers - Liberty Mutual cannot be considered the best car insurance for students. Like most auto insurance companies, Liberty Mutual charges the highest premiums to younger drivers.
  • Liberty Mutual Rates for Young Adults - Insurers view young drivers, particularly teens, as having a greater risk of being involved in an accident or committing other driving offenses. You could also ask whether you can join your parents' motor insurance policy if they agree. If you're on the policy, your rates will be higher, but the cost of combined insurance is usually cheaper than the cost of having individual policies for each family member.
Age Bracket and Gender Rates
<25 or 25-year-old female driver $2082
<25 or 25-year-old male driver $2241
  • Liberty Mutual Rates for Seniors - Like every car insurance company, Liberty Mutual lowers its premiums as the driver gets older.
Age Bracket and Gender Rates
<25 or 25-year-old female driver $1170
<25 or 25-year-old male driver $1119

Liberty Mutual car insurance rates by coverage

Liberty Mutual car insurance quotes are not cheap if you have a poor driving record. If you are looking for car insurance after DUI, forget about Liberty Mutual.

Accidents (even if you weren't at fault), speeding offenses, dangerous driving, and driving while drunk is all factors that might raise your insurance prices. If you've filed a claim in the last several years, your premium may have increased as well. You've probably heard it before, but do your best to be alert and maintain safe driving habits. If you keep losses too low, past claims on your record will lessen over time.

Type of Drivers Liberty Mutual annual rates
Good Drivers $4782
Drivers with a speeding ticket $5709
Drivers who cause at-fault accidents $6213
Drivers with a DUI $7623
  • Liberty Mutual Car Insurance for Good Drivers - If you have a spotless driving record, then the annual Liberty Mutual premium will come to $4782.
  • Liberty Mutual Car Insurance for Drivers With a Speeding Ticket - If you have a speeding ticket, then the annual Liberty Mutual premium will come to $5709.
  • Liberty Mutual Car Insurance for Drivers Who Caused an Accident with Injury - If you are the cause of an accident, then the annual Liberty Mutual premium will come to $6213.
  • Liberty Mutual Car Insurance for Drivers With a DUI - If you have been charged under DUI, then the annual Liberty Mutual premium will come to $7623.

Liberty Mutual Average Insurance Cost By State

States Rates States Rates
Alabama $252 Missouri $219
Arizona $213 Nebraska $177
Arkansas $222 Nevada $378
California $141 New Hampshire $144
Colorado $273 New Jersey $261
Connecticut $252 New Mexico $201
Delaware $291 New York $411
Florida $312 Ohio $141
Georgia $222 Oklahoma $231
Idaho $135 Oregon $192
Illinois $183 Pennsylvania $171
Indiana $165 Rhode Island $381
Iowa $159 South Carolina $252
Kansas $258 Tennessee $195
Kentucky $243 Texas $291
Louisiana $435 Utah $210
Maine $126 Vermont $123
Maryland $276 Virginia $201
Massachusetts $213 Washington $285
Michigan $378 Washington D.C. $222
Minnesota $159 West Virginia $156
Mississippi $288 Wisconsin $165

Liberty Mutual auto insurance discounts

Liberty Mutual offers a variety of incentives that can help you save money on auto insurance. Liberty Mutual offers the following discounts:

  • If you are a homeowner, you will save much more money.
  • Military personnel who are actively retired or reserved are eligible for a discount.
  • You can save up to 45 percent on your insurance if you seek a quotation before your current policy ends.
  • A full-time student with a B grade or higher is eligible for the award.
  • Premiums are lower if a child is away at school and only uses the car on occasion.
  • You may be eligible for a discount if your car includes sophisticated safety features.
  • Anti-lock brakes, adaptive headlights, and electronic stability control are just a few of the key features.
  • Liberty Mutual will give you a discount if you drive a hybrid or electric auto.
  • You are eligible for further savings if you use anti-theft technology.
  • Liberty Mutual offers lower premiums to people who haven't been in an accident.
  • You can expect further savings if you haven't received any violations.
  • If you engage in the RightTrack safe driving program, you will receive a discount for your participation as well as a final discount of up to 30%.
  • You should anticipate saving more money if you have many Liberty Mutual policies.
  • Multiple-auto families pay a cheaper cost.
  • To get a discount, sign up for automatic payments.
  • Paying your premium in one or two installments rather than monthly will save you money in the long run.
  • You will receive an additional discount if you obtain your free quote online and commence the coverage.
  • When you receive your statements by email, you can help the environment while also saving money.

To find out what discounts are available to you, contact the Liberty Mutual auto insurance service team or their insurance agent. You'll see a breakdown of what you're eligible for when you get online car insurance quo

Liberty Mutual customer feedback and satisfaction report conducted a poll to better understand car insurance from the perspective of their customers. We wanted to know how Liberty Mutual fared in terms of online experience, claim satisfaction, the convenience of use, customer service, trustworthiness, and desire to refer.

The customers of Liberty Mutual car insurance gave top marks to the company. The car insurance got high marks for trustworthiness and readiness to recommend. It did its best in the field of online experience. Summary

Liberty Mutual is investing in technology advancements, particularly in auto insurance. You can not only file and track a claim online, but the company also provides several other benefits. Customers of Liberty Mutual can take advantage of various outstanding perks, including comprehensive coverage options, considerable savings, and digital tools.

Overall, if you appreciate organizations with unique features, coverage options, and savings, Liberty Mutual may be a decent car insurance company for you.

About Liberty Mutual Car Insurance

Liberty Mutual, based in Boston, provides a wide range of insurance products to consumers in all 50 states and Washington, D.C., including home, auto, renters, motorcycle, pet, life, business, and more.

Liberty Mutual is the sixth-largest insurance firm in the United States, with a wide range of insurance coverage. It presently has roughly a 5% market share and offers homes, cars, and businesses insurance plans.

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A Brief History of Liberty Mutual

Following the passing of a 1911 Massachusetts law mandating companies to safeguard their employees with workers' compensation insurance, Liberty Mutual was created in 1912 as the Massachusetts Employees Insurance Association (MEIA).

The company began as a mutual company, a structure in which policyholders own an insurance company. In 1914, the company opened its first branch office, and later that year, it issued its first motor insurance policy. The company's name was changed to Liberty Mutual Insurance Company in 1917, and it began issuing full-coverage auto policies through partnerships.

Liberty Mutual has grown organically and via acquisitions. Early acquisitions were tiny, but during the last decade, Liberty Mutual has made numerous substantial acquisitions, notably the high-profile acquisition of Safeco Corporation in 2008. Liberty Mutual agreed to pay $68.25 per share for all outstanding Safeco shares, for a total transaction value of about $6.2 billion.

In twelve years, revenue increased from $6 billion to nearly $30 billion due to these activities. Wausau Insurance Cos. was purchased by the firm in 1999.

According to the company, the "overwhelming" positive response to Liberty Mutual's 2006 television commercial featuring individuals doing good for others led to the creation of the website The Responsibility Project. The long-running PBS documentary series American Experience has only one corporate sponsor: Liberty Mutual.

Two new advertisements starring Sacagawea and Paul Revere were released in 2011 as part of the company's "Real America" campaign.

As part of a headquarters expansion project, the corporation started work on the Liberty Mutual Tower, a 22-story skyscraper, in 2011. In June 2013, the building acquired its certificate of occupancy. Liberty Mutual Insurance purchased Bermuda-based Ironshore Inc. from Fosun International Limited for $2.93 billion in May 2017.

Nationale Borg, Nationale Borg Reinsurance, and AmTrust Insurance Spain, which are credit and surety reinsurance companies of AmTrust Financial Services, were bought by Liberty Mutual in October 2019.

Liberty agreed to buy State Auto Group for more than $2 billion in July 2021.

Liberty Mutual's Charitable Causes

The Liberty Mutual Foundation was founded in 2003 to help the communities where we live and work. In collaboration with their grantees, their collective goal is to use Liberty Mutual Insurance's experience, leadership, and financial strength to enhance the lives of society's most vulnerable people.

Their donations support NGOs that aid families and individuals trying to flourish under difficult circumstances. As a result, their grantmaking priorities in Boston, Seattle/King County, and Dallas focus on organizations and programs that provide accessibility for people of all sections of the society.

The Liberty Mutual Foundation gives one-time and multi-year program contributions and capital gifts by invitation only, supported by occasional operating support. Nonprofit-initiated discretionary requests are accepted on a rolling basis.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with

Frequently Asked Questions

Is Liberty Mutual good car insurance?

The biggest benefit of Liberty Mutual is the variety of options. The firm provides a variety of coverage alternatives, including specialist options. There are various ways to save money by participating in discount programs.

However, Liberty Mutual auto insurance may not be the best or cheapest alternative for high-risk drivers.

Does Liberty Mutual cover car rental insurance?

Yes. Rental car insurance is available through Liberty Mutual. If a driver has liability, comprehensive, or collision coverage and is driving in the United States, Liberty Mutual rental car insurance is normally included in their car insurance policy.

However, each policy is different, and depending on your position, certain exclusions may apply. Before denying additional coverage at the rental counter, call customer support to double-check the contents of your policy.

How to cancel car insurance Liberty Mutual?

Policyholders can easily terminate their auto coverage with Liberty Mutual by calling 1 (800) 658-9857 and speaking with an insurance advisor. If the representative you speak with asks you questions regarding your new insurance, be prepared to provide them with your policy details. It would be best to inquire about any costs or refunds that may apply during the cancellation process.

Why is Liberty Mutual so expensive?

Liberty Mutual is costly due to the elements it considers when estimating risk, which differ from each insurer. Driver history, location, car model, and year are all things to consider.

Does Liberty Mutual offer gap insurance?

Yes, Liberty Mutual offers gap insurance. Gap Coverage pays the difference if you have a loan on your car. The remaining loan amount is larger than the car's actual cash value (what it's worth today).

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Learn more by city and state for car insurance

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