- Available in all 50 states and D.C.
- Wide range of optional coverages including OEM parts, better car replacement and Mexico coverage.
- Many discount opportunities.
- Strong J.D. Power scores for both shopping and claims satisfaction.
- AM Best A (Excellent) financial strength rating.
- Rates above average for many driver profiles.
- Higher-than-expected consumer complaints (NAIC).
- D+ CRASH Network grade (No. 81 of 91 insurers nationally).
- RightTrack telematics can raise your rate if driving is flagged as risky.
Liberty Mutual car insurance: Jerry’s verdict
Liberty Mutual is a carrier of genuine contradictions, and understanding them is the key to knowing whether this insurance company is right for you.
Founded in 1912 and headquartered in Boston, Liberty Mutual is one of the 10 largest auto insurers in the United States by market share. It operates in all 50 states and D.C. and offers one of the widest coverage menus of any major carrier, including gap insurance, OEM parts replacement, better car replacement, Mexico coverage and a vanishing deductible program. If you want to build a highly customized policy, Liberty Mutual gives you the tools to do it.
The contradiction shows up in its industry ratings. Liberty Mutual ranks 4th in JD Power’s 2025 shopping study and 3rd in the same year’s claims satisfaction study with a score of 730, well above the study average of 700. These strong results sit in sharp contrast to its D+ CRASH Network grade and high NAIC complaint volume, though. The JD Power scores are legitimately strong, but the CRASH Network and complaint data suggest the experience at the repair shop and customer service level really varies. Its rates also run above the national average, and its RightTrack telematics program can raise your rate if the app flags risky behavior, which some users find opaque.
One important 2026 development: Liberty Mutual announced in March 2025 that it is retiring the Safeco brand and consolidating all personal lines policies under the Liberty Mutual name. For consumers, this means Liberty Mutual’s reach (and its customer service demand volume) will be growing significantly. How well the brand handles this transition for customers is worth watching.
Liberty Mutual is a carrier that does some things really well but has meaningful gaps in consistency, transparency and customer experience that put it behind many of its peers.
Who Liberty Mutual is best and worst for
A driver who wants broad coverage customization. Liberty Mutual’s add-on menu is one of the widest of any major carrier, offering OEM parts replacement, better car replacement, Mexico coverage, gap insurance and a deductible fund. This gives drivers real options to build a tailored policy.
Someone who qualifies for multiple discounts. Liberty Mutual offers discounts for homeowners, military members, good students, early shoppers, multi-car households and more. Drivers who can stack several of these discounts can reduce their premium, even against cheaper companies.
A student driver or family with young drivers. Liberty Mutual has several teen and student-specific discounts including good student and student away at school. Plus, its RightTrack program can reward young drivers who demonstrate safe habits during the 90-day monitoring window.
A price-first shopper. Liberty Mutual’s rates run above average consistently. For drivers whose primary goal is the lowest possible premium, other carriers in this set will almost always come in cheaper.
A driver who prioritizes the lowest possible rate. Liberty Mutual’s rates run above average for most profiles, and its discount menu, while solid, doesn’t typically close the gap with cheaper competitors like GEICO or Progressive for drivers who don’t qualify for several savings simultaneously.
A driver who wants confidence in repair shop relations. Liberty Mutual’s D+ from CRASH Network and No. 81 of 91 ranking means a significant portion of independent body shops rate its claims handling poorly — a notable contrast to its strong JD Power scores.
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Learn more: Full coverage vs. liability-only insurance
How much does Liberty Mutual car insurance cost?
The average cost for car insurance coverage with Liberty Mutual is $217 per month among Jerry drivers, about 64% cheaper than the national average.Your premium is determined by a number of factors, including your age, location, the type and age of your vehicle, your driving record, other drivers on your policy and the amount of coverage you want.
Based on our analysis of 288,153 real Liberty Mutual customers who bought through Jerry, here are the typical monthly premiums by driver coverage level:
Minimum
$110 – $318/mo
Meets state minimum liability requirements to keep costs low, but doesn’t cover damage to your own car.
Full
$164 – $378/mo
Adds collision and comprehensive coverage for your vehicle, which is often required if your car is financed or leased.
Standard
$218 – $515/mo
Includes uninsured motorist and medical payments coverage, which is especially valuable since nearly 18% of drivers nationwide are uninsured.
Preferred
$259 – $621/mo
Offers higher liability, lower deductibles and extras like towing and rental reimbursement for maximum protection.
Key takeaway: To figure out the right coverage for you, start with your comfort level around risk and what your car is worth. Then let Jerry show you what each option costs in real time.
Learn more: Best car insurance companies
Industry ratings of Liberty Mutual car insurance
Liberty Mutual’s industry ratings tell a mixed story: Strong JD Power scores for both shopping and claims satisfaction sit alongside a high complaint volume and a poor CRASH Network grade.
| Rating | Liberty Mutual’s score |
| NAIC consumer complaint index (2025) | High (2.23). |
| CRASH Network report card (2026) | D+. |
| JD Power auto insurance shopping study (2025) | No. 4 of 18. |
| JD Power auto insurance claims study (2025) | No. 3 of 20. |
| AM Best (2025) | A (Excellent). |
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NAIC details
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CRASH Network details
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JD Power details
Liberty Mutual ranked No. 4 in JD Power’s 2025 Insurance Shopping Study with a score of 689 out of 1,000, and No. 3 in the 2025 Auto Claims Satisfaction Study with a score of 730 out of 1,000 — well above the study average of 700. Both are strong results that place Liberty Mutual among the better performers in the industry.
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AM Best details
Jerry pulls up to 20 quotes from top rated carriers.
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 (PIP) and uninsured/underinsured motorist coverage.
Liberty Mutual also offers the following optional add-ons, one of the wider selections of any major carrier in this review set:
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Better car replacement pays to replace your totaled car with a vehicle one model year newer with 15,000 fewer miles than your totaled car. This applies to vehicles one year old or older.
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New car replacement pays for a brand new replacement when your car is totaled, rather than the depreciated value, and is available for vehicles less than one year old.
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Original parts replacement ensures your vehicle is repaired with OEM (Original Equipment Manufacturer) parts rather than aftermarket alternatives.
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Deductible fund is Liberty Mutual’s version of a vanishing deductible, reducing your collision deductible by $100 for every year you don’t file a claim.
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Accident forgiveness means your premium won’t increase after your first at-fault accident.
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Gap coverage protects the difference between what you owe on a leased or financed vehicle and its actual market value after a total loss.
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Rental car reimbursement covers the cost of a rental vehicle while yours is being repaired after a covered accident.
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Lifetime repair guarantee ensures that repairs completed at a Liberty Mutual partner facility are guaranteed for as long as you own the vehicle.
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Roadside assistance covers towing, lockouts, flat tires, fuel delivery and jump-starts.
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Temporary Mexico car insurance extends coverage for travel into Mexico, where standard U.S. policies don’t apply.
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Coverage Definitions
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Who it pays: The other person, for injuries when you’re at fault in a crash.
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What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.
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How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.
Property damage liability (PD)
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Who it pays: The other person, for property you damage in a crash.
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What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.
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How it pays: Up to your policy’s limit. For example, $50K.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.
*Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.
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Who it pays: You, for damage to your own car.
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What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
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Who it pays: You, for damage to your own car.
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What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
Uninsured/underinsured motorist (UM/UIM)
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Who it pays: You and your passengers, for injuries and property damage.
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What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.
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How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.
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Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.
Personal injury protection (PIP)
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Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.
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What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.
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How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.
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Do you need it? Required in no-fault states. If available in your state, it’s worth considering.
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Who it pays: You and your passengers, for medical bills.
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What it covers: Medical expenses after an accident, regardless of fault.
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How it pays: No deductible. Pays up to your policy’s limit.
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Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.
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Liberty Mutual car insurance discounts
Allstate offers a solid range of discounts. You may qualify for the following savings:
🏠
Homeowner — If you own a home, even if it’s insured elsewhere
🪖
Military — Active, reserve or retired military members
📝
Early shopper — Start shopping before your current policy expires
🎓
Good student — B average or higher
🎒
Student away at school — College student lives away from home and drives only occasionally
⭐
Claims-free — Clean claims history
🚦
Violation-free — No recent traffic citations
📋
Multi-policy — Bundle auto with home, condo or renters
🚗
Multi-car — Two or more vehicles on the same policy
💳
Preferred payment — Autopay or pay in one or two installments
💻
Online purchase — Get a quote and buy online
📄
Paperless — Sign up for electronic statements
Does Liberty Mutual offer insurance based on driving behavior?
Yes, Liberty Mutual’s RightTrack telematics program monitors driving behavior for 90 days via a smartphone app and adjusts your rate based on your driving score. Drivers receive an automatic 10% discount at enrollment. At the end of the 90-day period, the final discount is set and offers up to 30% for safe drivers.
Importantly, RightTrack can also raise your rate if the app identifies risky behaviors including hard braking, nighttime and rush-hour driving, and distracted driving. This is a meaningful distinction from programs like State Farm‘s Drive Safe & Save, which only discounts and never increases. Drivers considering RightTrack should be aware of this before enrolling.
Jerry helps you bundle home and auto for less in just minutes.
Filing a claim with Liberty Mutual
Liberty Mutual offers multiple ways for filing a claim and managing it once filed.
File online, via the app, or by phone
You can file a claim online at libertymutual.com, through the Liberty Mutual mobile app, or by calling 800-225-2467. The app supports claim filing, tracking and document upload.
Get assigned an adjuster
After filing a claim, Liberty Mutual will assign an adjuster to assess the damage. Its JD Power claims score suggests the experience is meaningfully better than the shopping process, but its D+ CRASH Network grade indicates that repair shops frequently find its claims handling difficult to work with.
Repair authorization and lifetime guarantee
Liberty Mutual will provide a repair estimate, and work completed at a Liberty Mutual partner facility comes with a lifetime repair guarantee. You may use any licensed shop, but the guarantee only applies to partner repairs.
Repair and rental
If you have rental reimbursement coverage, Liberty Mutual will authorize a rental car during repairs.
Settlement or payout
For total losses, Liberty Mutual offers a settlement based on your car’s actual cash value (ACV). Drivers with better car replacement or new car replacement coverage receive a more favorable calculation: one model year newer or a brand new vehicle, respectively.
Customer reviews of Liberty Mutual
Hundreds of Jerry customers have reviewed Liberty Mutual’s auto insurance, giving the company a slightly-below-average score compared to most carriers in this review set.
Is Liberty Mutual a good insurance company?
Liberty Mutual is a solid option for drivers who value broad coverage customization and can qualify for multiple discounts. Its JD Power scores for both shopping and claims are genuinely strong, and its wide add-on menu gives drivers more ways to build a tailored policy than most competitors offer. The main caveats are its above-average rates, a high NAIC complaint volume and a D+ CRASH Network grade that suggests repair shops frequently find its claims handling difficult to work with.
For drivers who want to compare Liberty Mutual against other options, Jerry makes it easy to see how its rates and coverage stack up side by side.
See coverage options for your car.
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: Online or by calling 844-717-5560
- Customer service: 888-398-8924 or text 501-439-4998 (Monday through Saturday, 8 a.m. to 8 p.m. ET; Sunday 11 a.m. to 5 p.m. ET)
- Claims (24/7): 800-225-2467
Related guides
FAQ
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What are the pros and cons of Liberty Mutual auto insurance?
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Can RightTrack raise my Liberty Mutual rate?
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Does Liberty Mutual offer OEM parts replacement?
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What is Liberty Mutual’s better car replacement coverage?
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How do I file a claim with Liberty Mutual?
Drivers who switch with Jerry save an average of $54/mo on car insurance.
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 professional writer, CFEI®, and licensed insurance agent 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, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, 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 SCUBA diving, reading a good book, and traveling the world with her family.
