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Liberty Mutual Review

Liberty Mutual is a reputable insurance company with great coverage options for new car owners. Driver discounts may be lacking, but quality online resources and support make Liberty Mutual car insurance a solid choice. Get Quotes

Fletcher Wilson

Fletcher Wilson

Auto Insurance Expert

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Updated: December 19, 2014

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; however, the company does not offer mechanical breakdown coverage. It always seems that auto warranties expire just when your car starts to have more complicated problems. With mechanical breakdown coverage, you won't have to worry about getting stuck with an unexpectedly large mechanic bill. If you prefer the peace of mind of knowing that the cost of fixing your car is covered, Liberty Mutual car insurance may not be the best fit.

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-


Driver Discounts

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  • 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.

Payment Options

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Policy Coverage

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Policy Management

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Vehicle Coverage

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Additional Benefits

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Claim Management

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Getting Started

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Learning Materials

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Vehicle Discounts

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