Liberty Mutual
Liberty Mutual offers a long list of discounts, plus robust digital tools on its website and app.- Many types of coverage available.
- Lots of discounts.
- Robust digital tools.
- Auto insurance shopping satisfaction rating is below average.
Liberty Mutual earned 4 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.
» MORE: The best car insurance companies
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.
- How we review 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.
Where Liberty Mutual falls short
Liberty Mutual received more than the expected number of complaints expected for an insurer of its size.
Liberty Mutual ranked No. 16 out of 17 companies in J.D. Power's 2024 Auto Insurance Shopping Study for overall customer satisfaction .
Compare with other insurers
NerdWallet rating 4.0/5 |  NerdWallet rating 5.0/5 |  NerdWallet rating 5.0/5 |
Discounts Great set of discounts | Discounts Average set of discounts | Discounts Great set of discounts |
Ease of use Above average | Ease of use Above average | Ease of use Above average |
NAIC complaints More than expected | NAIC complaints Fewer than expected | NAIC complaints Fewer than expected |
Bottom line Liberty Mutual offers a long list of discounts, plus robust digital tools on its website and app. | Bottom line With generous coverage and discounts for good driving habits, State Farm is a popular insurer with fewer complaints compared to other large competitors. | Bottom line Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy. |
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.)
» MORE: Compare auto insurance rates
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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.
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.
Is Liberty Mutual a good insurance company?
Liberty Mutual received an overall satisfaction score of 79 out of 100 by a pool of its customers in a NerdWallet survey conducted online in June and July 2024. To put that in perspective, the average score among eleven insurers was 79 and the highest was 81.
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.
J.D. Power study | Liberty Mutual ranking |
|---|---|
Auto insurance shopping (2024) | No. 16 out of 17 companies. |
Auto insurance claims satisfaction (2024) | No. 5 out of 21 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.
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.
Boat and watercraft.
See what you could save on car insurance
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Frequently asked questions
How do I file a claim with Liberty Mutual?
How do I file a claim with Liberty Mutual?
You can report a claim online, through the mobile app or by phone at 800-290-8711.
How do I get a quote from Liberty Mutual?
How do I get a quote from Liberty Mutual?
You can get a quote on the insurer’s website, call the company directly at 800-295-2723 or contact a local agent.
In which states is Liberty Mutual auto insurance available?
In which states is Liberty Mutual auto insurance available?
Liberty Mutual sells car insurance in all states except North Dakota, South Dakota and Wyoming.
Is Liberty Mutual a good car insurance company?
Is Liberty Mutual a good car insurance company?
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.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2024 U.S. Auto Insurance Shopping Study. Accessed Jul 10, 2024.
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. 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.
2025 auto insurance survey methodology
The opt-in survey of 7,503 U.S. adults ages 18 and older was conducted online by Russell Research on behalf of NerdWallet in June and July 2024. Respondents were asked to rate one auto insurance brand they obtained or renewed a policy within the past 12 months, with at least some changes to the original policy. 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: 300 were State Farm customers, 300 were Progressive customers, 300 were Allstate customers, 300 were GEICO customers, 100 were USAA customers, 157 were AAA customers, 100 were Liberty Mutual customers, 100 were American Family customers, 100 were Farmers customers, 100 were Travelers customers and 101 were Nationwide customers.
