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.
- In business since: 1912
- JD Power 2019: 3 out of 5 Power Circles
- AM Best Financial strength: A
- BBB rating: A+
Liberty Mutual Car Insurance Review
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.
- 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.
- 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.
Liberty Mutual offers a few standard coverage types to keep you protected on the road, including:
- Body injury liability.
- Property damage liability.
- Medical payments for you and your passengers.
The company also offers optional coverage options that you can add to your policy, such as:
- Better car replacement.
- Rental car reimbursement.
- Personal property coverage.
- 24-hour roadside assistance.
Liberty Mutual offers more than a dozen discounts. You may qualify for one if you:
- Own a home.
- Are an active, retired or reserved military service member.
- Get a quote for Liberty Mutual insurance before your current policy expires.
- Get good grades or leave your car at home while you’re away at school.
- Have a vehicle with safety features like adaptive headlights or anti-theft devices.
- Drive a hybrid or electric car.
- Insure multiple cars or have more than one Liberty Mutual policy.
- Enroll in automatic payments or pay upfront.
- Buy your policy online or go paperless.
- Are a new customer.
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.
Drivers who are accident-free for three years may be eligible for accident forgiveness, which prevents the premium from increasing after your first accident.
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.
|AM Best Financial Strength Rating||J.D. Power 2019 Claims Satisfaction Study||24/7 Claims Support|
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.
|Supplemental coverage options||15||11|
|Number of discounts||17||13|
|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.
|Supplemental coverage options||15||12|
|Number of discounts||17||11|
|Online claim filing||✓||✓|
Liberty Mutual Car Insurance FAQ
Liberty Mutual offers business insurance, homeowner’s insurance and coverage for renters. By bundling your home and auto insurance, you could save up to $842.
At a minimum, you’ll need enough coverage to meet your state’s requirements. But you should also have enough car insurance to cover the full value of your assets, which will prevent them from being sold or seized if you get sued for damages you caused during a car accident.
Liberty Mutual operates nationally, but certain discounts and coverage options may not be available in every state.
Liberty Mutual’s standard car insurance coverage includes medical payments coverage, bodily injury and property damage liability. You can also purchase add-ons to increase the coverage of your policy.