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Last updated on Jul 17, 2020

Liberty Mutual Car Insurance Review

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Liberty Mutual

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Liberty Mutual is an insurance provider headquartered in Boston, Massachusetts, that has provided personal and business insurance to customers around the country since 1912. The company offers car insurance with several standout features like special coverage options for teachers, better car replacement and accident forgiveness. Browse the Liberty Mutual car insurance review below to learn more about its policies and decide if it’s right for you.

Liberty Mutual Car Insurance Review 

Liberty Mutual

Liberty Mutual offers a wide variety of coverage options and discounts but receives low customer satisfaction ratings. Here’s a closer look at some of the pros and cons of its car insurance offerings.

Pros 

  • Lots of coverage options. Liberty Mutual offers three standard coverage types and over a dozen add-ons, allowing you to customize your policy depending on your needs. It also offers special coverage for teachers to protect them if their car gets damaged on school property.
  • Deductible fund. If you contribute $30 per year to a deductible fund, Liberty Mutual will reduce your deductible by $100.
  • Sizable discounts. You can save 12% or more on your car insurance just by applying online instead of over the phone. You can get up to 30% in additional discounts by being a safe driver through the RightTrack program.
  • File claims online. Liberty Mutual allows you to file and track your claim online or through the mobile app, so you won’t have to wait on the phone. You can also get a quick estimate by sending pictures of your vehicle’s damage to insurance agents via text.

Cons 

  • Low customer satisfaction. Liberty Mutual only earns one star from customers on the BBB website and gets more complaints than other insurance companies. This may be due to its claims process, which customers say is difficult to navigate.
  • Availability of discounts and add-ons. Some discounts and add-ons aren’t available in every state, so your coverage may be limited depending on where you live. If you’re a California resident, for example, you can’t get accident forgiveness.

You can also save up to 30% on your insurance by enrolling in the RightTrack program. It uses a tracking device to observe your driving behaviors and reward you for being safe on the road.

In addition to discounts, Liberty Mutual has several notable add-ons and features, like better car replacement and accident forgiveness.

Better Car Replacement 

If you add this optional feature to your policy, Liberty Mutual will reimburse you for a car that’s one model year newer with 15,000 fewer miles on it than the one you totaled. Not every insurance company offers this, so it’s a definite plus.

Accident Forgiveness

Drivers who are accident-free for three years may be eligible for accident forgiveness, which prevents the premium from increasing after your first accident.

Gap Insurance

Liberty Mutual gives you the option to add gap insurance to your policy, which will cover the difference if your totaled car is worth less than what you owe on it.

The bottom line 

Liberty Mutual offers nearly 20 different coverage types to protect you on the road. It also offers more discounts than competitors like Progressive and Nationwide, which may help you save more money on your premium. But the company gets low customer satisfaction ratings, which is something to keep in mind.

The Competition 

 AM Best Financial Strength RatingJ.D. Power 2019 Claims Satisfaction Study24/7 Claims Support
Liberty MutualA3Yes
USAAA++5
GeicoA++3
State FarmA++3
ProgressiveA+3
NationwideA+3
SafecoA3

All information is accurate as of June 15th, 2020. 

Liberty Mutual vs. Progressive

Progressive offers fewer supplemental coverage options and discounts than Liberty Mutual. But it has some special features that Liberty Mutual doesn’t, including insurance for rideshare drivers and a continuous insurance discount, which makes it worth a second look.

 Liberty MutualProgressive
Supplemental coverage options1511
Number of discounts1713
Online claim filing

Liberty Mutual vs. Nationwide

Liberty Mutual and Nationwide are pretty evenly matched. Both offer round-the-clock customer support and receive average scores for customer satisfaction. But Liberty Mutual offers more discounts and coverage options than Nationwide, which may make it easier to get a policy that suits your needs.

 Liberty MutualNationwide
Supplemental coverage options1512
Number of discounts1711
Online claim filing

Liberty Mutual Car Insurance FAQ

About the Authors

Jessica Walrack

Jessica Walrack Contributing Writer

Jessica Walrack is a personal finance writer at SuperMoney, Interest.com, The Simple Dollar, and PersonalLoans.org. She specializes in personal finance topics.