Liberty Mutual Auto Insurance Review (2024)

Liberty Mutual is one of the top car insurance companies in the country. While the company offers many different types of insurance, rates are typically much higher than expected, especially for young drivers.

Drivers with Liberty Mutual insurance can save money by taking advantage of discounts, bundling policies, and participating in RightTrack.

Liberty Mutual reviews are generally favorable, but complaints revolve around high rates and customer service problems.

Liberty Mutual is a good fit for drivers who aren’t high-risk and want to insure more than just their vehicle. However, young drivers, drivers with a bad driving record, and drivers with poor credit scores see extremely high rates.

What You Should Know About Liberty Mutual Insurance

Liberty Mutual is a top player in the insurance industry with a wide range of products. In addition, the company has been in business for more than 100 years and has a reliable reputation.

Although Liberty Mutual does receive some bad reviews regarding its customer service and claims satisfaction, the company scores highly on financial stability and customer interaction.

In addition, Liberty Mutual offers a variety of policies, such as auto, home, renters, and boat coverage. Drivers can bundle policies and take advantage of discounts to lower rates substantially.

Liberty Mutual Insurance Coverage Options

Liberty Mutual’s auto insurance offerings include coverages required by most states and coverages that offer you the most protection.

Typical auto insurance coverages from Liberty Mutual include the following:

• Liability. Liability auto insurance coverage pays for property damage and bodily injury to others if you cause an accident.
• Collision. Collision insurance covers damages to your vehicle from an accident. 
• Comprehensive. Comprehensive coverage pays for non-collision damages to your vehicle, such as fire, theft, vandalism, floods, and falling debris.
• Uninsured/underinsured motorist. UM/UIM coverage pays for damages to your vehicle if a driver hits you with little or no insurance.
• Medical payments. Medical payments coverage helps pay for medical bills following an accident.
• Personal injury protection. Personal injury protection (PIP) insurance helps cover expenses after an accident, including child care, lost wages, and medical bills.

Most states require at least liability coverage, but you and your vehicle aren’t protected. Therefore, most experts recommend full coverage, including liability, collision, comprehensive, and other mandatory coverages.

Does Liberty Mutual offer extra car insurance coverages?

Many drivers also look for other coverages and features that offer more protection than just the typical auto insurance. Liberty Mutual provides drivers with many different options to be totally covered.

Extra Liberty Mutual auto coverages and features include the following:

• Accident forgiveness. You can buy this coverage if you haven’t had an accident in five years, and your rates won’t go up for your first accident in the future.
• New car replacement. This coverage pays for a new car if your car is less than one year old and totaled in an accident.
• Better car replacement. This replaces your car with a new car, one model year newer if your vehicle is totaled.
• Roadside assistance. Roadside assistance is available if you need help with towing, a jump start, fuel delivery, or locksmith service.
• GAP coverage. GAP pays the difference between what you owe on your vehicle and its worth if it’s totaled in an accident.
• Rental car reimbursement. If your vehicle is damaged in a covered accident, this coverage pays for a rental until repairs are complete.
• Original parts replacement. This feature replaces any parts on your vehicle with original parts, not aftermarket parts.
• Lifetime replacement guarantee. Liberty Mutual guarantees any repairs done at approved network locations for life.

In addition, drivers can add benefits like Mexico car insurance and teacher’s car insurance for those traveling to Mexico or driving for official school business.

What other products does the Liberty Mutual insurance company offer?

Many drivers look for more than just car insurance. Fortunately, Liberty Mutual offers a variety of insurance products and coverages that drivers can bundle.

Here are additional Liberty Mutual insurance products:

• Homeowners
• Renters
• Condo
• Boat
• RV
• ATV
• Motorcycle
• Small Business
• Pet
• Life

Liberty Mutual offers drivers a multi-policy discount for choosing more than one type of insurance. For example, drivers can bundle auto, home, and pet insurance to take advantage of discounts.

Liberty Mutual Insurance Rates Breakdown

There are many factors that affect car insurance rates, such as your age, driving record, and credit score. In addition, each car insurance company weighs these factors differently, so every driver receives different rates.

While Liberty Mutual offers various car insurance coverages, rates are higher than average. In fact, out of the top insurance companies in the country, Liberty Mutual has the highest rates.

One factor that affects your rates is how much coverage you choose. Low or liability-only coverage is the cheapest but offers the least protection. On the other hand, high or full coverage is the most expensive and provides the most protection.

This table shows average Liberty Mutual rates based on liability coverage compared to other top companies.

Liability-only coverage from Liberty Mutual averages $483 a month, and full coverage is around $530 a month. Let’s now take a look at Liberty Mutual full coverage rates.

So although it's tempting to buy the less expensive coverage, you’ll have higher out-of-pocket costs in an accident.

How do age, gender and marital status affect car insurance rates with Liberty Mutual?

It’s no surprise that younger drivers see much higher insurance rates than older, more experienced drivers.

However, you might not know that married drivers see lower rates since they are more stable and less likely to take risks. Additionally, male drivers are statistically more likely to take risks and be in more accidents.

The tables below show how age and gender affect Liberty Mutual car insurance rates. Let’s first take a look at rates for brand new drivers — teenagers.

As you can see, teen drivers pay extremely high rates with Liberty Mutual. In addition, teen males spend almost one-third more than their female counterparts. However, rates drop dramatically at age 25. Check out the table below on rates for the average adult.

Rates for senior drivers will also be higher than the national average with Liberty Mutual. Take a look at this table to compare senior rates with the top insurance companies.

Make sure to always compare rates with multiple insurance companies to get the best deal possible for your unique needs, because there are numerous factors that will affect your final cost.

Does your driving record affect Liberty Mutual car insurance rates?

Most drivers know that your driving record significantly affects your car insurance rates. Auto insurance companies understand that drivers with accidents, tickets, and DUIs are likely to have repeat infractions that cost them money.

This table shows how much a single accident on your record affects Liberty Mutual auto insurance rates.

As you can see, Liberty Mutual rates will increase after a ticket. Now let’s see how a single traffic ticket will raise your rates.

While drivers with a speeding ticket pay about $77 a month more for Liberty Mutual insurance, drivers with a DUI pay almost $240 a month more than drivers with a clean record.

Multiple accidents, tickets, and DUIs cause rates to skyrocket. In addition, drivers with numerous infractions can be seen as high-risk and be required to pay for more expensive SR-22 coverage.

How does your credit score affect Liberty Mutual auto insurance rates?

You may not know that your credit score affects your car insurance rates. Insurance companies believe that drivers with a high credit score are less likely to file a claim and are more likely to pay for damages themselves.

This table shows how your credit score affects Liberty Mutual rates.

Full Coverage Auto Insurance Monthly Rates by Credit Score

Although drivers with good credit scores pay about $365 a month for auto insurance from Liberty Mutual, drivers with bad credit scores pay $733 a month.

Drivers can raise their credit score by paying bills on time and being cautious about how they use their credit.

Liberty Mutual Insurance Discounts Available

Car insurance discounts provide significant savings on your Liberty Mutual coverage.  And, since rates start very high, taking advantage of discounts helps reduce costs.

Liberty Mutual bases discounts on the driver, policy, and vehicle. For example, you may be eligible for safe driver, paid in full, and safety feature discounts. In addition, since Liberty Mutual offers so many different types of insurance, drivers may also qualify for a multi-policy discount.

Since Liberty Mutual offers many discounts, most drivers can bundle several for the most significant savings. Remember, Liberty Mutual doesn't apply all discounts automatically to your policy, so be sure to ask what discounts are available to you.

What is Liberty Mutual RightTrack?

Liberty Mutual RightTack is a telematics program that monitors driving behaviors and offers a discount of up to 30% for the life of your policy. The program uses either an app or a plug-in device to track when you drive, hard braking and acceleration, and mileage.

Low-mileage drivers who don’t drive at night and don’t hit the brakes or gas hard save the most money. However, RightTrack is also a good option for drivers who want to improve their safe driving skills since the program offers immediate feedback.

Your car insurance rates won’t increase if you score poorly with RightTrack, so Liberty Mutual drivers can try it risk-free.

Does Liberty Mutual offer usage-based car insurance?

Low-mileage drivers who want to keep their Liberty Mutual car insurance may be interested in ByMile, a usage-based insurance program.

ByMile uses a telematics device that plugs into your vehicle to monitor mileage. Then, drivers pay a daily base rate plus a small fee for each mile driven. While the auto insurance coverage available is the same as traditional coverage, rates are typically much lower.