Liberty Mutual Auto Insurance Review 2024

Ryan Brady
By Ryan Brady 
Edited by Lacie Glover

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Liberty Mutual

4.0

NerdWallet rating 
Liberty Mutual offers a long list of discounts, plus robust digital tools on its website and app.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

More than expected
insurance-product-card-logo

Liberty Mutual

4.0

NerdWallet rating 
Liberty Mutual offers a long list of discounts, plus robust digital tools on its website and app.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

More than expected

Liberty Mutual earned 4.5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.

Liberty Mutual is the nation’s sixth-largest auto insurer based on direct premiums written. In addition to car insurance, Liberty Mutual offers an array of personal and commercial insurance policies.

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance policy that works best for you. These carrier ratings are specific to auto insurance — a company's rating for other products may be different on our site. See our criteria for evaluating auto insurance companies.

In our auto insurance reviews, our editorial team considers the customer and insurer. These are some of the factors we take into account:

Financial strength. We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B. 

Complaints. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.

Ease of use. This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.

Discounts. We look at the kind of discounts a company offers and the number of discounts available.

Where Liberty Mutual stands out

In addition to a great set of discounts, Liberty Mutual offers helpful optional coverage types, including a “deductible fund” that decreases a driver’s deductible by $100 each year they go without a claim. 

Policyholders with rental reimbursement coverage get access to Liberty Mutual’s valet claims service. With this coverage, a valet driver will bring a rental car to you if yours is damaged but still drivable and will then drive your car to and from the mechanic for repairs.

Liberty Mutual can be a great choice for teachers. The company pays for things like the deductible if a teacher’s car is vandalized during school-related events or up to $2,500 in reimbursement if teaching materials or other school-owned items are stolen or damaged while in the car.

Liberty Mutual ranked above average in overall value and online experience in a NerdWallet survey conducted online in June 2022. The company received an overall value score of 78.7 out of 100 and an online experience score of 77.1 out of 100 by a pool of its customers. The average score for overall value was 77.3, while the average score for online experience was 75.3.

Where Liberty Mutual falls short

Liberty Mutual has about the expected number of complaints expected for an insurer of its size. Also, in a 2022 J.D. Power U.S. auto claims satisfaction study, the company ranked below the industry average.

Liberty Mutual ranked below average for both trustworthiness and customer support in NerdWallet’s survey of Liberty Mutual customers from June 2022.

Compare to other insurers

Where Liberty Mutual stands out

In addition to a great set of discounts, Liberty Mutual offers helpful optional coverage types, including a “deductible fund” that decreases a driver’s deductible by $100 each year they go without a claim. 

Also, policyholders with rental reimbursement coverage get access to Liberty Mutual’s valet claims service. With this coverage, a valet driver will bring a rental car to you if yours is damaged but still drivable and will then drive your car to and from the mechanic for repairs.

Liberty Mutual can be a great choice for teachers. The company pays for things like the deductible if a teacher’s car is vandalized during school-related events or up to $2,500 in reimbursement if teaching materials or other school-owned items are stolen or damaged while in the car.

Liberty Mutual also ranked above average in online experience in a NerdWallet survey conducted online in June and July 2023.

Where Liberty Mutual falls short

Liberty Mutual has about the expected number of complaints for an insurer of its size. In a 2023 J.D. Power U.S. auto claims satisfaction study, the company ranked below the industry average

.

Liberty Mutual ranked below average for both trustworthiness, customer support and overall value in NerdWallet’s survey of Liberty Mutual customers from June and July 2023.

Compare with other insurers

Liberty Mutual

State Farm

Travelers

Star rating

4.0

NerdWallet rating 

5.0

NerdWallet rating 

5.0

NerdWallet rating 

NAIC complaints

Close to expected.

Fewer than expected.

Fewer than expected.

Discounts

Great set of discounts.

Average set of discounts.

Great set of discounts.

Ease of use

Above average.

Above average.

Average.

Bottom line

Liberty Mutual offers a long list of discounts, plus robust digital tools on its website and app.

State Farm is a popular insurer with fewer complaints compared with other large competitors.

Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.

Read our detailed reviews

Liberty Mutual auto insurance coverage

When you're shopping for car insurance coverage, it's important to understand what coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. If you want extra protection, you may be interested in full coverage. Read about the most common types of car insurance coverage to see how they work.

Liberty Mutual offers standard auto policies to which you can add several types of optional coverage, depending on your state, including:

  • Accident forgiveness. Your premium won’t increase as a result of your first accident if you’ve had no crashes or traffic violations for five years. This coverage is not available in California and may vary by state.

  • New car replacement. If your car is totaled in the first model year and first 15,000 miles, you’ll be reimbursed the cost of a new car, not just the depreciated value. 

  • Better car replacement. This takes new car replacement a step further: If your car is totaled at any age or mileage, you’ll be reimbursed for a car one year newer and with 15,000 fewer miles on it than your totaled car.

  • Deductible fund. When you add this feature to your policy, Liberty Mutual creates a “fund” to lower your collision deductible. The insurer contributes $70 while you contribute $30 each year. If you have an accident, the amount you pay out of pocket will be reduced by the amount of money in the fund.

  • Gap insurance. If your car is totaled and you owe more on your loan or lease than it was worth, gap insurance will pay the difference.

  • Original parts replacement. This coverage ensures that if your car is damaged, repairs are made with original manufacturer parts when available.

Liberty Mutual offers a rental car valet service to policyholders who have rental car reimbursement on their policy. If your car is damaged in a covered accident but is still drivable, Liberty Mutual will deliver a rental car to your location while your car is in the shop for repairs. A valet driver will take your car to a mechanic and bring it back. Availability may vary by state.

Teachers’ Auto Insurance is a unique offering from Liberty Mutual. While availability varies by state, it comes at no extra cost to teachers and includes:

  • Vandalism loss protection. There’s no deductible if your vehicle is vandalized during school-related events or on school property. (In Pennsylvania, a $100 deductible applies.)

  • Personal property coverage. Liberty Mutual will reimburse you up to $2,500 per incident if your teaching materials or school-owned property are stolen or damaged while in your vehicle.

  • Collision coverage. There’s no deductible if your car is damaged in an accident while driving it for school business. (In Pennsylvania, a $100 deductible applies.)

Auto insurance discounts

Although Liberty Mutual’s discounts vary by state, the list of potential price breaks is long. You may be eligible for discounts for:

  • Owning a home.

  • Being an active-duty, retired or reserve member of the military.

  • Getting a Liberty Mutual quote before your policy expires.

  • Earning good grades or leaving the car at home while living away at school.

  • Having a claims-free driving history.

  • Avoiding accidents and traffic violations.

  • Insuring multiple cars.

  • Having more than one Liberty Mutual policy, such as bundling home and auto coverage.

  • Paying your full premium upfront or enrolling in automatic payments.

  • Buying a policy online.

  • Receiving paperwork electronically.

🤓Nerdy Tip

First time shopping for auto insurance? Unsure of where to start? Check out our guide on how to shop for car insurance.

Pricing based on tracked driving habits

In some states, you can get a discount for allowing Liberty Mutual to monitor your driving through its RightTrack program. An app on your phone or a small tracking device in your car measures habits like acceleration, braking, distance and time of day. You get a discount for signing up, which can change based on how safely you drive during a 90-day evaluation.

Complaints and customer satisfaction

Liberty Mutual had more than the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.

Liberty Mutual received an overall satisfaction score of 76 out of 100 by a pool of its customers in a NerdWallet survey conducted online in June and July 2023. To put that in perspective, the average score among eleven insurers was 78, and the highest was 82.

2023 J.D. Power study

Progressive ranking

Auto insurance shopping

No. 2 out of 8 companies.

Auto insurance claims satisfaction

No. 19 out of 24 companies.

More about Liberty Mutual auto insurance 

Website: The Liberty Mutual website is robust and useful, allowing you to manage your policies, pay your bill, access ID cards and report or track a claim.

App: You can track claims, pay bills and view policy documents in the Liberty Mutual mobile app. The accident and roadside support feature lets you capture information and photos at the scene of an accident or call for emergency roadside services.

Homeowners, renters and pet insurance from Liberty Mutual

Liberty Mutual offers homeowners and renters insurance policies with standard features, plus additional coverage options. Learn more in our Liberty Mutual home insurance review and Liberty Mutual renters insurance review.

Liberty Mutual also sells pet insurance. Learn more about its coverage offerings in our Liberty Mutual pet insurance review.

Other insurance from Liberty Mutual 

Liberty Mutual sells these types of insurance:

  • Condo.

  • Motorcycle.

  • Business.

  • Flood.

  • Landlord.

  • Boat and watercraft (requires an existing homeowners policy).

  • RV.

  • Umbrella (requires certain liability limits on underlying policies).

  • Antique and classic car (requires an existing auto policy).

  • ATV and off-road vehicle (may require an existing auto policy).

Liberty Mutual sells the following types of insurance through third parties:

  • Term and whole life.

  • Mobile home.

Frequently asked questions

You can report a claim online, through the mobile app or by phone at 800-290-8711.

You can get a quote on the insurer’s website, call the company directly at 800-295-2723 or contact a local agent.

Liberty Mutual sells car insurance in all 50 states and Washington, D.C.

Yes; for many people, Liberty Mutual is a good insurance company. The company's wide breadth of coverage means consumers can customize their policy to fit their needs.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2020-2022. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

Auto insurance ratings methodology

NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.

2024 auto insurance survey methodology

The opt-in survey of 7,514 adults age 18 and older was conducted online by Russell Research on behalf of NerdWallet in June and July 2023. Respondents were asked to rate one auto insurance brand they obtained or renewed a policy with within the past 12 months. These brands were rated on overall satisfaction, overall value, online experience, trustworthiness, mobile app experience, claims experience and customer support on a scale of 1-100.

Only brands with 100 or more qualifying respondents are reported. Of those respondents: 301 were State Farm customers, 300 were Progressive customers, 300 were Allstate customers, 300 were Geico customers, 140 were USAA customers, 125 were AAA customers, 105 were Liberty Mutual customers, 103 were American Family customers, 104 were Farmers customers, 104 were Travelers customers and 104 were Nationwide customers.

Average rates methodology

NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.

In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.

These are average rates, and your rate will vary based on your personal details, state and insurance provider.

Sample drivers had the following coverage limits:

-$100,000 bodily injury liability coverage per person.

-$300,000 bodily injury liability coverage per crash.

-$50,000 property damage liability coverage per crash.

-$100,000 uninsured motorist bodily injury coverage per person.

-$300,000 uninsured motorist bodily injury coverage per crash.

-Collision coverage with $1,000 deductible.

-Comprehensive coverage with $1,000 deductible.

We used the same assumptions for all other driver profiles, with the following exceptions:

-We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit. In states where credit isn’t taken into account, we only used rates for “good credit.”

-For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.

-For drivers with a DUI, we added a single drunken-driving violation.

We used a 2021 Toyota Camry L in all cases and assumed 12,000 annual miles driven. We analyzed rates for drivers of the following ages: 20, 30, 35, 40, 50, 60 and 70.

Methodology

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

Auto insurance ratings methodology

NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.

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