Reviews Report
- Reviews.com scores Liberty Mutual car insurance a 4.4 out of 5 based on discounts, customer satisfaction, and more.
- Liberty Mutual advertises more than a dozen discounts, including telematics savings with RightTrack (up to 30%) and a pay-per-mile option, ByMile, in select states.
- Recent J.D. Power studies show Liberty Mutual often scores below the segment average for overall satisfaction, but it offers popular add-ons like New Car Replacement, OEM parts coverage, roadside assistance, and GAP (availability varies by state).
As one of the longest-standing private insurers, Liberty Mutual car insurance is a trusted household name among motorists across the nation. Based in Boston, Massachusetts, Liberty Mutual has been in business since 1912 and offers not only a wide variety of coverage options and discounts, but also helpful tools and services to manage policies and file claims, including an online Claims Center and mobile app. Liberty Mutual sells auto insurance in all 50 states and Washington, D.C., while availability for property lines varies by state, with documented restrictions in California (source; California market context). Our Liberty Mutual car insurance review is based on pricing, features, customer support, and overall satisfaction scores.
Liberty Mutual Car Insurance Overview
Though it may not be exceptional in the market, Liberty insurance has a stable financial position as validated by an AM Best rating of A (Excellent) with a Stable outlook, which indicates its ability to pay out claims (AM Best rating details). In the past, the company has won several accolades for being one of the best employers, workplace diversity and equality, and for being a corporate philanthropist, and it is frequently recognized on the Fortune 500 and the Disability Equality Index. Although the company’s customer satisfaction in recent J.D. Power studies tends to be lower than some competitors, Liberty Mutual offers nationwide auto coverage and several lines of insurance products to choose from (availability varies by state).
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Liberty Mutual Highlights
Liberty Mutual vs. The Competition
| Provider | Reviews.com Score | AM Best | J.D. Power Customer Satisfaction* | No. of Discounts |
| Liberty Mutual | 4.4 | A | Below average (varies by region) | 17 |
| Geico | 4.8 | A++ | Near/around average (varies by region) | 16 |
| State Farm | 5 | A++ | Above average (varies by region) | 11 |
| Progressive | 4.4 | A+ | Near/below average (varies by region) | 13 |
Information accurate as of November 2025.
*J.D. Power’s 2025 Auto Insurance Satisfaction Study results vary by region. Based on a 1,000-point scale.
Liberty Mutual vs. Geico
At first glance, Geico and Liberty Mutual appear to promote a similar breadth of discounts, but GEICO offers some that Liberty may not (for example, federal employee and emergency deployment). GEICO also offers rideshare coverage and mechanical breakdown insurance. On third-party measures, GEICO’s AM Best rating is A++ (Superior), higher than Liberty Mutual’s A (Excellent), while recent J.D. Power satisfaction results are mixed by region and do not consistently place either brand among top performers (GEICO ratings; Liberty Mutual ratings).
Liberty Mutual vs. State Farm
Both Liberty Mutual and State Farm offer similar core auto coverages and popular add-ons. State Farm typically scores above the industry average in recent J.D. Power studies and holds an A++ (Superior) AM Best rating, whereas Liberty Mutual’s satisfaction tends to be below average and its AM Best rating is A (Excellent) (State Farm ratings; Liberty Mutual ratings).
Furthermore, recent J.D. Power results continue to show State Farm generally scoring above the industry average, while Liberty Mutual tends to be below average; exact scores vary by region and are reported on a 1,000-point scale (source).
Liberty Mutual vs. Progressive
Although Progressive and Liberty Mutual offer many of the same core coverages and discounts, Progressive markets distinct features such as the Name Your Price® Tool, Snapshot telematics, rideshare coverage and teen-driver focused savings. On financial strength, Progressive’s AM Best rating is A+ (Superior), above Liberty Mutual’s A (Excellent), while customer satisfaction for both brands varies by region and neither is a consistent top performer across markets (Progressive ratings; J.D. Power).
Liberty Mutual FAQ
Methodology
We evaluated Liberty Mutual based on discounts, coverage, online resources, financial strength and customer satisfaction to determine Reviews.com scores and create our best car insurance reviews. To compare car insurance companies with other providers across the board, we calculate each Reviews.com score based on the following:
- Discounts: Auto insurance companies that advertised more discounts received higher scores in our methodology.
- Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each car insurance company’s financial stability.
- Customer Satisfaction: J.D. Power ranks car insurance companies by customer satisfaction, so we used its 2025 U.S. Auto Insurance Study to compare the average rating of insurers across all regions.
- Coverage: Car insurance companies were awarded higher scores for advertised coverages beyond the body liability, property liability, collision and personal injury protection.
- Online Resources: We reviewed the digital resources of each car insurance company and awarded higher scores to insurers with mobile claim estimates, digital insurance cards, and more.
