THE GOOD

Good online quote interface:

The majority of top auto insurance companies allow you to receive a free auto insurance quote online. This functionality allows you to shop around and find the auto insurance company that will offer you the lowest rate. However, some of the online quote interfaces are not well-designed and are difficult to navigate. The Liberty Mutual online quote process features simple forms, clean interfaces, and a guide across the top of the screen that clearly indicates where you are in the quote process.

Solid new car coverage options:

Purchasing a new car with an auto loan is a fairly common practice. However, in many cases, the value of the car will not cover the entire cost of the auto loan if a major accident were to occur shortly after the auto purchase. GAP coverage and new car replacement are two insurance options offered by Liberty Mutual that help protect you financially and are definitely worth looking into if you recently purchased a new car.

Live chat support:

Most people probably have a basic understanding of how auto insurance works, but when it comes to navigating an auto insurance policy, it's easy to feel a little overwhelmed. In addition to getting your questions answered by phone and email, Liberty Mutual also offers a live chat option. Similar to most other top auto insurance companies, the live chat option is only available during the quote process, but it is still a great resource that can help you have more confidence in your auto insurance purchase.

Strong online resources:

In addition to an online account that allows you to access and manage your policy, Liberty Mutual provides a variety of online tools and resources to help you understand the auto insurance industry and make better-informed purchasing decisions. Some of these features include the online auto quotes, a coverage calculator, an auto insurance state list, and even specific web pages dedicated to teen and senior drivers.

THE BAD

Driver discounts are limited:

Driver discounts can play an important role in your ability to find an affordable auto insurance premium. Liberty Mutual car insurance does offer a variety of driver discounts, however, when compared with some of the other top auto insurance companies, the list of Liberty Mutual auto insurance discounts comes up a bit short. For those that are particularly interested in finding the lowest auto insurance price, if you're willing to shop around, you may be able to find a set of discounts more applicable to your specific circumstances.

No mechanical breakdown coverage:

Liberty Mutual car insurance offers roadside assistance and an opt-in towing and labor coverage option

Mobile app could be improved:

Liberty Mutual does offer an iPhone, Android, and iPad mobile app you can use to take pictures of a damaged vehicle, map your location using GPS, file and modify a claim, contact an agent, and more. Although the app seems to be fairly capable, the overall user reviews indicate that there may be room for improvement.

THE DETAILS

Financial Strength
A.M. Best FSR Rating A
A.M. Best ICR Rating a
Moody's Rating A2
Standard & Poor's Rating A

FEATURES

Title
  • Accident Forgiveness Your rates do not automatically increase after an accident.

  • Defensive Driver Discount You can get a discounted rate if you complete a defensive driving course.

  • Good Student Discount Students that maintain a good GPA can get a policy discount.

  • Low Mileage Discount You can get a discount for driving low mileage each year.

  • Multiple Policy Discount You can get a discount for having multiple insurance policies with the same company.

  • Multiple Vehicle Discount You can get a discount if you insure multiple vehicles.

  • Organization Discount You can get a discount to if you are affiliated with certain organizations or partner companies.

  • Discount Finder The insurance company periodically reviews your auto policy to see if you might qualify for any new discounts.

  • Driving Habits Discount You can get a discounted rate if you place a device in your car that measures your driving habits.

  • Family Discount Direct family members of current policy holders get a low rate.

  • Good Driver Discount You can get a discount for having a clean driving record.

  • Loyalty Discount You can get a discount if you remain with the company over an extended period of time.

  • Military Discount You can get a discount if you are a member of the military.

  • Prepay Discount You can get a discount if you pay your premiums in advance.

  • Automatic Payments Payments can be scheduled automatically.

  • Credit Card Payments You can make a payment with your credit card.

  • Flexible Payment Terms You have flexible payment terms over different periods of time.

  • Mail Payments Payments can be mailed.

  • Online Payments Payments can be made online.

  • Pay by Bank Account You can make a payment directly from your bank account.

  • Phone Payments Payments can be made over the phone.

  • Prepayment Policies can be prepaid in full, often at a discount.

  • Bodily Injury Liability You can get coverage against bodily injuries to others in an accident that is your fault.

  • Personal Injury Protection You can get coverage for injuries sustained by the driver or any passengers, often including medical bills and lost wages.

  • Property Damage Liability You can get coverage against property damage to another party in an accident that is your fault.

  • Rental Car Coverage You can get coverage for your rental car if it is damaged or stolen.

  • Separate Windshield and Glass You can get stand-alone coverage for damaged windshields or glass.

  • Uninsured Motorist Property Damage Coverage You can get coverage that protects against property damage caused by an uninsured or underinsured motorist.

  • Pet Injury Coverage You can get coverage for injuries sustained by pets in an auto accident.

  • Stacked Uninsured Motorist Coverage You can get coverage that allows you to combine or ''stack'' the individual limits of coverage on multiple insured vehicles in the same household.

  • Add a Driver You can add a new driver to your insurance policy.

  • Add a Vehicle You can add a vehicle to your insurance policy.

  • Billing Status You can check billing status and payment information.

  • Dashboard You can manage and change policy details through an online service center.

  • Paperless Billing You can elect to receive statements and policy information via email or on the company's website.

  • Replace Vehicle You can replace or change a vehicle covered by your insurance policy.

  • Collision You can get coverage against any damage resulting from a collision.

  • Comprehensive You can get coverage against any non-collision vehicle damage including fire, theft, or vandalism.

  • GAP Insurance You can get coverage that pays the difference between the actual value of a totaled car and the balance remaining on an auto loan.

  • New Car Replacement You can get coverage that will replace a totaled car with a brand-new version if it is less than 1 year old.

  • Interior Vehicle Coverage You can get coverage of personal belongings inside of the car including sound systems, CDs, and DVDs.

  • Mechanical Breakdown Coverage You can get coverage that includes all mechanical repair costs beyond routine maintenance.

  • Medical Payments You can get coverage for a variety of accident-related medical bills.

  • Rental Car Reimbursement You can get reimbursed for the cost of a rental car following a claim.

  • Roadside Assistance You can get roadside assistance for flat tires or other mechanical problems.

  • Towing and Labor The cost of towing and the labor associated with getting your car back on the road is covered.

  • 24/7 Claims Center A claims center can be reached 24/7.

  • Agent Claim Filing You can contact an agent to file a claim.

  • Mobile Claim Filing You can file a claim through a mobile app.

  • No Repair Facility Restrictions You can have repairs done at the facility of your choice.

  • Online Claim Filing You can file a claim online 24/7.

  • Telephone Claim Filing You can file a claim via telephone.

  • Repair Facility Recommendations The company provides a network of recommended repair facilities.

  • Online Policy Purchase You can purchase a policy entirely online.

  • Online Rate Quotes You can get a car insurance quote on the company's website.

  • Print Insurance Cards You can print your insurance cards.

  • Insurance Cards by Fax You can receive your insurance cards by fax.

  • Insurance Cards by Mail You can receive your insurance cards by mail.

  • Android App You can get an Android-specific app.

  • Claim Details You can update your claim details through a mobile app.

  • Connect with an Agent You can connect directly with an agent through a mobile app.

  • Digital ID Cards Digital ID cards are available online or on mobile devices.

  • File a Claim You can initiate or file a new claim through a mobile app.

  • Get a Quote You can get a rate quote through a mobile app.

  • GPS Locator The mobile app has a built-in GPS locator.

  • iPhone App You can get an iPhone-specific app.

  • Mobile Website A mobile-specific website is available.

  • Tablet A tablet-based app is available.

  • Text Message Alerts Policy alerts or updates can be issued by text message.

  • Accident Guide A mobile app that assists with data collection, emergency services, or tips in the event of an accident is available.

  • Edit Policy You can edit or change your policy details with a mobile app.

  • Email/Print ID Cards You can email or print digital insurance cards.

  • Favorable Mobile App Store Reviews The mobile app has a combined 3.5 stars or greater for their iPhone and Android apps.

  • Email/Ticket The company has an email or ticket system dedicated to support.

  • Live Chat The company offers live chat support.

  • Phone You can contact the company by phone to get support.

  • Social Media You can contact the company with questions through social media websites.

  • Blog A blog with relevant insurance information is available.

  • FAQs A list of answers to frequently asked questions is available.

  • Glossary A glossary of common industry terms is available.

  • Forum The company provides access to an interactive forum where users can post questions and answers.

  • Knowledge Base A knowledge base of detailed help articles is available.

  • Video Tutorials Video tutorials are available.

  • Anti-Theft Device Discount A discount is offered if vehicles are equipped with an anti-theft device.

  • Vehicle Equipment Discount A discount is offered if vehicles have certain safety or theft-protection features.

  • Electric Vehicle Discount A discount is offered for electric vehicles.

Similar Products


We recently added comments and we're amped to hear your input. Keep it civil and intelligent, and be sure to peek at our Community Guidelines before posting. If you'd like to contact the staff, our inbox is always open.