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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Highly customizable coverage
Strong mobile app experience
Available in all 50 states
Higher-than-average premiums
Mixed customer satisfaction reviews
Limited local agent support
Bottom Line: Liberty Mutual offers robust protection and unique programs, making it a great fit for teachers, customers looking to bundle multiple policies, and drivers who prioritize policy control over rock-bottom rates.
Liberty Mutual is one of the oldest insurance companies operating in the US. It stands out for its customizable policy options and unique perks like better car replacement and exclusive savings for teachers on auto insurance.
Drivers can also add features like accident forgiveness to their policies and manage coverage, including claims, through the website or mobile app. But Liberty Mutual’s rates and customer satisfaction scores tend to trail top competitors.
We cover everything from insurance pricing to claims processing to ease of use to help you decide whether a Liberty Mutual car insurance policy makes sense for you.
Liberty Mutual offers auto insurance coverage nationwide with user-friendly policy management tools. But the company trails leading competitors such as GEICO and State Farm in terms of customer satisfaction and pricing.
This table gives an overview of Liberty Mutual’s performance across five key categories on a scale of 1 to 5 to help you decide if it’s a good choice for you.
Category  | Score |
|---|---|
| Cost | 2.7/5 |
| Customer satisfaction | 2.7/5 |
| Policy management | 5/5 |
| Availability | 5/5 |
| Industry reputation | 3.7/5 |
| Overall Score | 3.72/5 |
Our editorial team analyzes and grades each insurer based on factors like its average rates, customer reviews, policy management features, availability, industry standing, and more. This includes countless hours of research and in-depth analysis of thousands of auto insurance quotes from real Compare.com customers.
We grade each factor on a weighted five-point scale to determine an insurer’s propriety Compare.com Rating, which highlights its overall standing among the industry’s best companies.
Score the best car insurance rates for your driving profile.
 |  |  |  |  |
|---|---|---|---|---|
Average Premium Prices based on average across state-minimum and full coverage car insurance $192/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $83/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $137/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $116/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $105/mo* |
Overall Rating 3.6 | Overall Rating 3.9 | Overall Rating 3.2 | Overall Rating 4.0 | Overall Rating 3.5 |
Value 3.8/5 | Value 4.0/5 | Value 3.3/5 | Value 4.2/5 | Value 3.8/5 |
Customer Service 4.2/5 | Customer Service 4.4/5 | Customer Service 3.6/5 | Customer Service 4.3/5 | Customer Service 4.2/5 |
Claims Handling 3.9/5 | Claims Handling 4.0/5 | Claims Handling 3.3/5 | Claims Handling 3.9/5 | Claims Handling 3.5/5 |
Special Highlight N/AAI-generated from 49 user reviews | Special Highlight N/AAI-generated from 288 user reviews | Special Highlight N/AAI-generated from 266 user reviews | Special Highlight N/AAI-generated from 238 user reviews | Special Highlight N/AAI-generated from 158 user reviews |
Liberty Mutual offers a wide range of car insurance options, additional insurance products — including homeowners insurance and renters policies — and bundling discounts. It also has a highly rated auto claims process, thanks to its easy-to-use policy management tools.[1]
The insurer also has above-average ratings for its usage-based insurance.[2] Not only does Liberty Mutual have a great website, but it also earns excellent reviews — 4.8 and 4.6 out of 5 stars, respectively — for the iOS and Android apps.
Despite its strong claims process, J.D. Power’s research indicates that Liberty Mutual struggles with customer satisfaction. It trails the competition everywhere but in New England.
Liberty Mutual’s car insurance rates are another sore spot. The company rates tend to be higher than several top competitors like GEICO, Auto-Owners, and State Farm (though insurance premiums vary considerably by location, vehicle, and other factors).
Before you switch your auto insurance company, it’s a smart idea to read customer reviews to give you insights based on real-life experiences. Customers often discuss how companies handle billing issues, claims, and other issues, which can help you understand the pros and cons of the company.
Below, you’ll find unfiltered feedback from Compare.com customers who’ve had policies with Liberty Mutual.
Car insurance rates can change from one driver to the next, with factors like your age, driving history, credit history, location, and coverage choice influencing your rates. That’s why it’s essential to review average rates for drivers and policies similar to yours.
The table below shows average monthly premiums for Liberty Mutual full-coverage policies across several driver profiles, according to Compare.com data. The averages below should help you get a sense of the insurance rates you’re most likely to see.
Driver Type | Average Monthly Premium |
|---|---|
| All drivers | $221 |
| Teens | $378 |
| Seniors | $180 |
| Recent ticket | $279 |
| Recent accident | $289 |
| DUI conviction | $321 |
| Excellent credit | $162 |
| Bad credit | $256 |
Protect your car and your wallet.
Where you live also plays a significant role in determining what you pay for auto insurance. Rates from Liberty Mutual, like any car insurance company, vary significantly based on your state due to state laws and liability insurance requirements. Other factors, such as traffic density, accident frequency, claim rates, and weather risks, also affect pricing.
The map below shows Liberty Mutual’s average monthly premiums for liability and full-coverage car insurance by state, according to Compare.com data.
State | Average Liability Premium | Average Full-Coverage Premium |
|---|---|---|
| Alabama | $176 | $236 |
| Alaska | N/A | N/A |
| Arizona | $183 | $224 |
| Arkansas | $154 | $247 |
| California | N/A | N/A |
| Colorado | $206 | $308 |
| Connecticut | $333 | $359 |
| Delaware | $238 | $316 |
| Florida | $375 | $387 |
| Georgia | $389 | $425 |
| Hawaii | N/A | N/A |
| Idaho | $83 | $110 |
| Illinois | $149 | $231 |
| Indiana | $97 | $171 |
| Iowa | $73 | $130 |
| Kansas | $118 | $214 |
| Kentucky | $188 | $258 |
| Louisiana | $204 | $305 |
| Maine | $133 | $169 |
| Maryland | $321 | $389 |
| Massachusetts | $132 | $178 |
| Michigan | $152 | $229 |
| Minnesota | $116 | $211 |
| Mississippi | $164 | $234 |
| Missouri | $169 | $267 |
| Montana | N/A | N/A |
| Nebraska | $115 | $193 |
| Nevada | $254 | $279 |
| New Hampshire | $67 | $95 |
| New Jersey | $322 | $388 |
| New Mexico | $144 | $209 |
| New York | $88 | $304 |
| North Carolina | $65 | $121 |
| North Dakota | N/A | N/A |
| Ohio | $117 | $175 |
| Oklahoma | $176 | $263 |
| Oregon | $166 | $208 |
| Pennsylvania | $160 | $186 |
| Rhode Island | $172 | $254 |
| South Carolina | $209 | $303 |
| South Dakota | N/A | N/A |
| Tennessee | $124 | $209 |
| Texas | $258 | $335 |
| Utah | $191 | $210 |
| Vermont | $91 | $150 |
| Virginia | $166 | $222 |
| Washington | $209 | $230 |
| District of Columbia | $277 | $382 |
| West Virginia | $129 | $194 |
| Wisconsin | N/A | N/A |
| Wyoming | N/A | N/A |
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When getting a Liberty Mutual auto insurance quote, you have several options to help you stay within budget. You can choose your coverage types, adjust deductibles, and customize your policy while viewing real-time pricing changes.
Liberty Mutual car insurance coverage options include:
Liability insurance: Covers bodily injury and property damage you cause to others
Collision insurance: Pays for damage to your vehicle from when you hit another car, an object, or if you get into a rollover accident
Comprehensive insurance: Covers your damages when something other than a collision damages your vehicle, such as a fire, natural disasters, or theft
Better car replacement: Replaces a vehicle you total with a model that’s one year newer
Gap coverage: Pays off your loan/lease if you total your vehicle and it’s worth less than what you owe
24/7 roadside assistance: This helps pay for towing, jump-starts, lockout help, and more
Accident forgiveness: Prevents rate increases after your first at-fault accident
Deductible fund: Reduces your deductible costs over time
Liberty Mutual offers over a dozen car insurance discounts to help lower policy costs without sacrificing insurance coverage. Combined, these savings can make a considerable difference in reducing your car insurance rates.
Here are the best ways to save on your Liberty Mutual car insurance:
Multi-policy: You can save by bundling your auto insurance with a home, renters, or condo insurance policy with the same insurer.
Safe driver: Drivers with clean records and safe driving habits can save up to 30% through Liberty’s telematics program.
Good student: Full-time students younger than 25 with a “B” average or higher may qualify for up to 10% savings.
Accident-free: Going without a claim for five years or more can earn you up to 20% off your car insurance.
New vehicle: Owning a car less than one year old can help you qualify for up to 10% off your car insurance coverage.
Other available discounts include homeowner, military, early shopper, multi-car, online purchase, and paperless billing.
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Liberty Mutual’s car insurance claim process is easy with fast turnarounds. You can submit a car insurance claim 24/7 with the mobile app, online portal, or by phone. You can also track repairs, payments, and claims processing updates in real time through the claims center.
While Liberty Mutual earns high mobile app scores, people who prefer working face to face may have a better experience with companies that offer a more extensive local agent network, like State Farm.
Here’s how Liberty Mutual’s car insurance claims process works:
Report your claim. Submit details online, through the mobile app, or by phone.
Upload photos and documents. Share images of the damage and policy details to begin processing.
Get an inspection and estimate. Liberty Mutual assigns an adjuster to assess the damage and repair cost estimates.
Schedule your repairs. Choose a repair shop and track progress through your online account.
Receive your payment. Liberty Mutual pays approved expenses directly, minus your deductible.
Liberty Mutual is one of the oldest insurance companies in the U.S. The table below highlights its ratings, pricing information, and additional information to consider when comparing auto insurance quotes.
Accident forgiveness helps prevent premium hikes after an at-fault accident. You can add it to your auto insurance policy if all listed drivers have been without an accident or a violation for five years.
Once enrolled, Liberty Mutual won’t raise your insurance rates after your first at-fault accident. Accident Forgiveness isn’t available in California, and eligibility varies by state.
Liberty Mutual’s deductible fund isn’t a true vanishing deductible program. You’ll pay $30 per year as part of your premium into the deductible fund, and the company contributes an additional $70. That’s a total of $100 added each year toward reducing your collision deductible.
When you file a claim, Liberty Mutual subtracts your full balance from your deductible amount. The fund renews automatically, and you can keep building it beyond five years.
Liberty Mutual’s auto policies offer unique benefits for educators, including up to $2,500 in coverage for school supplies stolen from your vehicle and protection if someone vandalizes your car on school grounds.
Eligible teachers also receive roadside assistance and personal property coverage at no extra cost.
Liberty Mutual’s RightTrack program uses a mobile app or plug-in device to monitor your driving habits, such as braking, acceleration, and nighttime miles. Good drivers can earn car insurance discounts of up to 30%, and participation will never increase your auto insurance rates, even with a lower score.
Liberty Mutual offers far more than just auto insurance. That’s especially great if you prefer managing all your insurance policies in one place and saving with bundling discounts.
Aside from standard car insurance coverage, Liberty Mutual offers a wide range of personal and commercial coverage options. Here are several you can take advantage of:
Property insurance: Home, renters, condo, landlord, mobile home, and flood protection
Vehicle insurance: Motorcycle, boat, RV, ATV, and classic-car coverage
Umbrella insurance: Extra liability insurance that kicks in when other policies reach their limit
Life and pet insurance: Optional add-ons for broader family protection
Business insurance: Business owners policies, workers’ compensation, and commercial auto policies for businesses of all sizes
Compare quotes from top insurers and save money in seconds.
It’s a great idea to compare Liberty Mutual to other insurance companies and research the company before switching. Below are answers to common questions to help you decide if it’s the right fit for your auto insurance needs.
Yes. Liberty Mutual is a large and reputable insurer that offers a wide range of customizable car insurance coverage. The insurer has above-average claims satisfaction and usage-based insurance scores. Liberty Mutual also has a robust website and a strong mobile app that allows you to track claims, pay bills, and more.
Liberty Mutual car insurance costs an average of $163 per month for liability coverage, according to Compare.com data. Full coverage costs an average of $221 per month. Keep in mind that rates vary depending on policy details, vehicle type, and driving habits.
Liberty Mutual might offer you higher car insurance rates due to many factors, such as your location, age, car insurance claims history, vehicle, and optional coverage types like accident forgiveness, which increase protection but raise auto insurance quotes.
It depends. The best company depends on what you value most, including lowest price, available coverages, customer satisfaction, or third-party ratings. Liberty Mutual stands out for its policy management features and national reach. If you’re looking for the cheapest insurer, consider quotes from insurers like USAA, State Farm, Allstate, and GEICO.
It depends. Some insurers may receive more customer complaints than others due to their market size, according to private passenger complaint data from the National Association of Insurance Commissioners.
That said, Liberty Mutual receives a higher-than-average number of customer complaints compared to companies of similar size, including State Farm, GEICO, and Progressive.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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