- Available in all 50 states and DC.
- Many discount opportunities.
- Wide range of optional coverages.
- Higher-than-average premiums.
- More consumer complaints than expected.
Jerry rates Liberty Mutual 3.9 stars out of 5. This score is average among insurers that Jerry rates and takes into account the insurer’s pricing, industry ratings, the company’s financial strength, customer ratings and national complaint data.
Liberty Mutual is one of the 10 largest U.S. auto insurers by market share and offers a wide range of insurance including classic car, flood, umbrella and small business coverage. The insurer offers auto insurance add-ons like roadside assistance, new car replacement and coverage for driving in Mexico. There are also many discounts, including the opportunity to bundle auto insurance with your home, condo or renters policy for added savings.
Industry ratings for Liberty Mutual are mixed, with high marks from the 2024 J.D. Power Auto Claims Satisfaction Study and AM Best but a higher-than-expected complaint index through the National Association of Insurance Commissioners (NAIC) and a D+ from the CRASH Network.
Liberty Mutual sells auto insurance to customers in all 50 states and DC. Customers can purchase a policy online or over the phone.
Who is Liberty Mutual best for?
Liberty Mutual may be a good option for drivers who prioritize customizable coverage and can take advantage of discounts for things like buying coverage early, purchasing online and paying in full. There are many discounts for students, especially those with good driving records and good grades.
How much does Liberty Mutual car insurance cost?
Liberty Mutual may offer affordable premiums to drivers with clean driving records. Your premium is determined by a number of factors, including your age, location, the type and age of vehicle you drive, your driving record, other drivers on your policy, and the amount of coverage you want.
Liberty Mutual car insurance discounts
Liberty Mutual offers a wide variety of discounts to help drivers save money on their premiums.
- Homeowners discount offers savings to drivers who own their home.
- Military discounts are available to active, reserve or retired members of the U.S. military.
- Early shopper discounts are offered to drivers who start shopping for new coverage before their existing policy expires.
- Good student discounts provide savings to student drivers with a B average or higher.
- Students away at school will help their parents save money on their premium when they live away from home and only drive occasionally.
- Claims-free discounts provide savings to drivers with a clean driving record.
- Violation-free discounts are available to drivers who haven’t been convicted of traffic citations.
- Multi-policy discounts offer savings to drivers who bundle auto insurance with home, condo or renters coverage.
- Multi-car discounts are available to drivers who insure two or more cars on the same policy.
- Preferred payment discounts reward drivers who connect a bank account for autopay or for paying their premium in one or two payments.
- Online purchase discounts save drivers money when they get a quote and buy their policy online.
- Paperless billing discounts offer savings to drivers who sign up for electronic statements.
Does Liberty Mutual offer insurance based on driving behavior?
Yes, Liberty Mutual offers discounts to drivers who maintain a claims-free or violation-free driving record, as well as those who enroll in the RightTrack telematics program. RightTrack offers a 10% initial savings for signing up. Drivers who demonstrate safe driving habits in the 90-day tracking period may save up to 30% on their policy. However, those who engage in what the app considers to be risky driving behavior — hard braking, nighttime and rush hour driving, and distracted driving — may pay more at the end of the tracking period.
Liberty Mutual car insurance coverage options
Liberty Mutual offers standard coverage types including collision, comprehensive, bodily injury liability, property damage liability, medical payments, personal injury protection and uninsured/underinsured motorist coverage.
| Coverage | Definition |
|---|---|
| Collision insurance | An optional coverage type that pays to repair or replace your car if it’s damaged in a collision with another vehicle. You can only file an accident-related claim for your vehicle’s repairs if your policy has collision coverage. |
| Comprehensive insurance | An optional coverage type that covers damage to your vehicle caused by non-collision hazards, such as car theft, falling tree branches, hail and other unexpected events. |
| Bodily injury liability (BI) | Pays others’ medical costs in an accident you cause, up to your policy limits. It’s mandatory in most states. |
| Property damage liability (PD) | Pays for repairs or replacements of any vehicles or objects you damage in a crash, up to your policy limits. It’s mandatory in most states. |
| Personal injury protection (PIP) | Helps cover medical expenses for you and your passengers after a car accident, regardless of who caused it. This is required in some states. |
| Medical payments | Additional coverage outside of PIP that pays for medical care for you and your passengers after an accident, regardless of who caused it. This is optional in most states. |
| Uninsured/underinsured motorist coverage (UM/UIM) | Covers you, your passengers and any property damage in a case where the other driver is at fault but doesn’t have insurance, or carries insufficient coverage to pay for your costs. This is required in some states. |
Liberty Mutual also offers the following optional coverages and protections:
- Better car replacement pays to replace your totaled vehicle with one that’s a model year newer. This coverage is for vehicles that are one year old or older.
- Rental car reimbursement helps cover the cost of a rental vehicle while yours is in the shop after a covered accident.
- Lifetime repair guarantee helps drivers arrange for their vehicle’s repairs after a covered accident. Liberty Mutual guarantees repairs for as long as you own the vehicle, as long as the work is completed at a partner facility.
- Gap coverage pays the difference between what you owe on a leased or financed vehicle and what it’s worth after a total loss.
- New car replacement insurance pays for a brand new car following a total loss, rather than the vehicle’s depreciated value. This coverage is for vehicles that are less than a year old.
- Deductible fund is Liberty Mutual’s version of a vanishing deductible, and reduces your collision policy’s deductible by $100 for every year you don’t file a claim.
- Accident forgiveness means your premium won’t go up after your first at-fault accident.
- Original parts replacement is optional coverage that ensures your vehicle is repaired with Original Equipment Manufacturer (OEM) parts following a covered accident.
- Roadside assistance can help pay for services if you break down, lock your keys in your car, have a flat tire or need a tow.
- Temporary Mexico car insurance will keep you protected if you plan to travel south of the border.
Industry ratings of Liberty Mutual car insurance
Liberty Mutual’s industry ratings are mixed. For example, this insurer has an average NAIC complaint index that’s higher than expected and receives a grade of D+ from the CRASH Network report card. However, it’s also ranked No. 5 of 21 in the latest J.D. Power Auto Insurance Claims Study and has an A (Excellent) financial strength rating from AM Best.
| Rating | Liberty Mutual’s score |
| NAIC consumer complaint index | High. |
| CRASH Network report card | D+. |
| J.D. Power auto insurance shopping study | No. 16 of 17. |
| J.D. Power auto insurance claims study | No. 5 of 21. |
| AM Best | A. |
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Liberty Mutual auto insurance customer reviews
Hundreds of Jerry customers who have used and reviewed Liberty Mutual’s auto insurance have rated the company well.
How to contact Liberty Mutual
Liberty Mutual encourages customers to manage their account, file claims and request policy changes online or through the mobile app.
Get a quote: Request a quote online or over the phone by calling 844-717-5560.
Customer service: You can contact customer service by calling at 888-398-8924 or texting 501-439-4998. Customer service representatives are available Monday through Saturday from 8 a.m. to 8 p.m. ET and Sunday from 11 a.m. to 5 p.m., according to a customer service representative.
File a claim: Claims can be filed online, through the Liberty Mutual mobile app or by calling 800–225-2467.
Methodology
We looked at over 400,000 actual policies quotes from real Jerry customers during 2024 across 24 different insurance companies. The pricing data included both those with clean driving records as well as those with a violation.
How we rate car insurance companies
Jerry’s team of car insurance expert writers and editors analyze real customer ratings and industry reports to get a holistic view of an insurer’s performance. Our rubric emphasizes the shopping and claims experiences, customer complaints and reviews, repair shops’ evaluations of insurers, policy and quote pricing, and state availability.
We regularly reassess insurers’ star ratings and fact-check these reviews to ensure they’re accurate and up-to-date.
These individual factors roll up into one weighting system as follows:
20% Financial strength.
20% Complaints.
20% Industry ratings.
20% Customer ratings.
20% Cost and discounts.
Stephanie Colestock is a seasoned writer specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, credit and debt management, banking, investing, retirement planning, and household finances.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Forbes, USA Today, Money, Fox Business, and CBS. Stephanie\’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys helping individuals make smarter financial decisions through her engaging and well-researched articles.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
