2024 Liberty Mutual Car Insurance Review
Liberty Mutual, founded in 1912, provides auto insurance in all 50 states and offers a range of coverage options, including gap insurance and a lifetime repair guarantee. The company also offers customized benefits for educators, such as no deductible for vandalism or collisions on school grounds and a deductible fund to reduce out-of-pocket expenses. Additionally, Liberty Mutual's subsidiary Safeco provides classic car insurance for antique roasters.
Shop for car insurance
Liberty Mutual car insurance: Pros and cons
Types of Liberty Mutual car insurance
In all 50 U.S. states and Washington, DC, Liberty Mutual provides auto insurance.
Basic coverage
If you're financing or leasing your car, a full coverage policy is usually necessary.
- Liability insurance: In most states, the minimum coverage required covers damages and expenses if you or someone else driving your vehicle is found liable for an accident.
- Collision coverage: Pays to repair or replace your vehicle after a collision.
- Comprehensive coverage includes damages not resulting from a collision, such as theft, weather damage, or animal encounters.
Additional coverage
These policies are required in some states and optional in others.
- No-fault insurance, also known as personal injury protection, covers a range of expenses including medical bills, lost wages, child care, and even funeral costs.
- Regardless of fault, MedPay covers medical expenses for you, your passengers, and pedestrians.
- If you're involved in an accident with a driver who has minimal or no insurance, uninsured/underinsured motorist insurance will cover your repair and medical expenses.
Add-ons
Liberty Mutual has a wide variety of optional coverage options
- Eligibility for accident forgiveness: You may be eligible if you have 5 years of accident-free driving.
- If your car is totaled or stolen, gap insurance covers the difference between its actual cash value and the remaining balance on your loan or lease.
- Liberty Mutual offers a deductible fund where participants pay $30 annually, and Liberty Mutual contributes an additional $70, resulting in a $100 credit toward your deductible if you need to file a claim.
- Liberty Mutual guarantees covered repairs made at their partner garages for the lifetime of the vehicle. Members can track the progress of repairs online or through the mobile app, and Liberty Mutual can pay for repairs directly.
- Liberty Mutual customers can obtain customizable Mexico car insurance through MexPro.
- Coverage for totaled or stolen vehicles within the first year or with fewer than 15,000 miles is provided for the full value, excluding depreciation.
- If your car is less than a decade old, it will be repaired using original parts.
- Liberty Mutual will cover rental car expenses for up to 30 days after a covered accident, with a daily reimbursement of $90.
- Liberty Mutual app: You can request common services like towing, jump-starting, fuel deliveries and changing flat tires 24/7 using the Liberty Mutual app.
Liberty Mutual car insurance discounts
- Claims-free discount: Maintaining a claims-free driving history can help you save.
- Before your current policy expires, you could save by getting a rate quote with Liberty Mutual.
- Students with a B average or higher can receive a discount.
- Active-duty service members, veterans, National Guard and Reserve members are eligible for the military discount.
- Multi-car discount: Insuring several vehicles under one policy can save you money.
- Purchase online and save: Electronic filing of paperwork offers discounts on policies.
- Paperless discount: Ditch the paper statements in favor of the digital option.
- Liberty Mutual offers a discount for auto pay and another discount for paying your policy in one or two installments.
- The program monitors your driving behavior and may result in a discount of up to 30%.
- If a student on your policy is away at school and only occasionally drives your car, you may be eligible for a student-away-at-school discount.
Liberty Mutual customer satisfaction
J.D. Power's 2024 U.S. Auto Insurance Study found that Liberty Mutual ranked below average in terms of customer satisfaction across various categories, including price, ease of doing business, level of trust, product offerings, problem resolution, and digital channels.
The insurance company received below-average ratings in J.D. Power surveys on insurance shopping and claims process.
Despite earning an A- from the Better Business Bureau, Liberty Mutual receives more than twice the expected number of complaints for its size, according to the National Association of Insurance Commissioners.
Liberty Mutual's customer service is accessible 24/7 through its mobile app, where policyholders can pay bills, make coverage changes, request roadside assistance, and file claims. However, there is no online chat function available.
Other Liberty Mutual insurance
- Flood insurance
- Life insurance
- Business insurance
- Mobile home insurance
- Pet insurance
- Umbrella insurance
How does Liberty Mutual compare to other car insurance companies?
How does Liberty Mutual compare to two prominent auto insurance companies?
Liberty Mutual vs. Farmers
In terms of availability, Liberty Mutual offers auto insurance in all 50 states, while Farmers' policies are not available in eight states or Washington, D.C.
While Farmers provides rideshare insurance and customized equipment coverage, only Liberty Mutual offers gap insurance.
While both Farmers and Liberty Mutual have below-average scores on J.D. Power's surveys on auto insurance and the insurance shopping experience, Farmers has a much lower volume of complaints than Liberty Mutual, particularly in the claims process.
Farmers offers more discounts than Liberty Mutual, including reductions for timely payments, renewals, and safe driver courses for older drivers.
Liberty Mutual vs. Amica
Amica and Liberty Mutual are similarly accessible for car insurance, except for Hawaii where Amica does not offer it. However, Amica is shifting towards 6-month policies in many states, which may result in more frequent rate adjustments.
Amica's auto insurance premiums are higher than the industry average, while Liberty Mutual does not disclose its rate information publicly.
J.D. Power ranked Amica as the top provider of customer service in the New England region, particularly for its claim process and overall satisfaction.
How do I buy car insurance from Liberty Mutual?
You can get a discount on auto insurance from Liberty Mutual by applying on their website.
Please provide your personal details, including your location, age, and driving history, as well as information about your vehicle's make and model.
A quote will be provided once you customize your policy features, coverage limits, and deductible.
You can apply for Liberty Mutual insurance over the phone at 800-290-6150 or work with a local agent.
You can access customer service around the clock at 800-290-8711 and utilize the Liberty Mutual website and mobile app to pay bills, modify policies, download insurance cards, request roadside assistance, and manage claims.
Is Liberty Mutual car insurance right for me?
Liberty Mutual offers nationwide availability and various coverage options, including gap insurance, accident forgiveness, and rental car reimbursement. It is particularly suitable for safe drivers who can earn up to 30% off with its RightTrack telematics program, and for teachers since collisions or vandalism on school grounds or at school events are covered without a deductible.
Compare rates for auto loans
Why trust CNBC Select?
Our goal at CNBC Select is to deliver top-notch service journalism and in-depth consumer advice to our readers, enabling them to make well-informed decisions when it comes to their finances. Each car insurance review we publish is the result of thorough reporting by our team of expert writers and editors, who possess extensive knowledge of insurance products. At CNBC Select, we are committed to maintaining our journalistic standards and ethics, even when we earn a commission from our affiliate partners on many offers and links.
Stay up to date with CNBC Select's comprehensive coverage of credit cards, banking, and money by following us on TikTok, Facebook, Instagram, and Twitter.
