Reviews Report
- Liberty Mutual offers auto and home insurance in all 50 states and Washington, D.C., and remains a top national carrier by market share. According to the NAIC Market Share Report (data year 2024, published 2025), Liberty Mutual Group is the No. 6 U.S. property/casualty insurer with about 4.4% of direct premiums written; in personal auto it holds roughly 4.3% (about No. 7), and in homeowners it’s around No. 4 with ~6%+ share (NAIC; Insurance Information Institute; S&P Global Market Intelligence).
- The company sells numerous types of insurance and savings programs, including usage-based options. Liberty Mutual RightTrack offers an enrollment credit and a behavior-based discount that can be significant (state/eligibility rules apply), and ByMile is a pay-per-mile program for low-mileage drivers available only in select states (Liberty Mutual RightTrack; Bankrate; NerdWallet).
- For independent benchmarks, J.D. Power’s 2025 insurance studies show mixed visibility: Liberty Mutual was not publicly listed among top performers in the 2025 Auto Claims or 2025 Property Claims press releases; detailed brand scores require a subscription. Digital UX results in the 2025 U.S. Insurance Digital Experience Study also did not publicly name Liberty Mutual among top performers (Auto Claims; Property Claims; Digital Experience Study).
Liberty Mutual Insurance was founded in 1912 and is headquartered in Boston. Based on NAIC’s latest Market Share Report for property/casualty insurers (data year 2024, released 2025), Liberty Mutual Group writes about 4.4% of U.S. P/C premiums (rank No. 6). It holds roughly 4.3% of the personal auto market (about No. 7 nationally) and around 6.0%–6.3% of homeowners (about No. 4). These figures reflect ongoing portfolio adjustments in catastrophe-exposed and underperforming personal lines while maintaining scale across personal and commercial segments (NAIC; III; S&P Global Market Intelligence). Auto and home coverage is available in all 50 states and Washington, D.C. Reviews.com analyzed Liberty Mutual’s auto, home, and life insurance with current independent benchmarks, program details, and regulatory context to help you decide if the carrier fits your needs.
Liberty Mutual Insurance Overview
| Auto insurance | Home insurance | Life insurance | |
| J.D. Power Customer Satisfaction Score* | 2025 study: not publicly listed among top performers | 2025 study: not publicly listed among top performers | Not rated (issued by partners) |
| AM Best Financial Strength | A (Excellent) | A (Excellent) | A (Excellent) |
*Latest benchmarks: J.D. Power’s 2025 Auto Claims Satisfaction Study, Property Claims Satisfaction Study, and 2025 U.S. Insurance Digital Experience Study; detailed brand scores (including Liberty Mutual) are available via subscription or licensed media. The Individual Life Insurance Study applies to issuing life insurers; Liberty Mutual is not rated because its life policies are issued by partner carriers. For study methodology and scoring on a 1,000‑point scale, see J.D. Power’s ratings overview.
Liberty Mutual Auto Insurance
Liberty Mutual is one of the country’s larger auto insurers by market share (about No. 7 nationally). If you’re seeking flexible policy customization, the company advertises a wide range of options. Liberty Mutual’s coverage offerings include Loan/Lease (GAP), Mexico car insurance, New Car Replacement, Original Parts Replacement, Rental Car Reimbursement, 24‑Hour Roadside Assistance, and a Lifetime Repair Guarantee through its network. For savings and pricing personalization, the RightTrack telematics program provides an enrollment credit and a behavior‑based discount that can be substantial depending on driving and state rules, while ByMile is a pay‑per‑mile option for low‑mileage drivers offered only in select states (RightTrack; Bankrate; NerdWallet). Better Car Replacement is emphasized far less today and third‑party reviewers note availability may be limited or vary by state, so confirm during your quote (Bankrate; NerdWallet).
Recent third‑party benchmarks are mixed. In J.D. Power’s 2025 U.S. Auto Claims Satisfaction Study, Liberty Mutual was not publicly listed among the top performers; detailed brand scores are subscriber‑only. Likewise, in the 2025 U.S. Insurance Digital Experience Study, Liberty Mutual was not publicly named among the leaders in digital shopping or servicing experiences (Auto Claims).
Strengths: Broad optional add‑ons and multiple programs to personalize price and coverage (e.g., RightTrack telematics and ByMile pay‑per‑mile in eligible states). Large product suite enables bundling. In a high‑rate environment, telematics adoption is rising industry‑wide as a savings lever, and Liberty Mutual actively markets these programs (J.D. Power Insurance Shopping Study; RightTrack).
Restrictions: Liberty Mutual was not publicly listed among top performers in J.D. Power’s 2025 claims and digital experience press releases. Availability and pricing can vary by state, especially in catastrophe‑exposed regions where many insurers are adjusting appetite and rates amid elevated storm losses and evolving regulation (NOAA Billion‑Dollar Disasters; California DOI reforms). Telematics and AI‑driven pricing/claims tools are also subject to tighter governance expectations from regulators, emphasizing fairness and transparency (NAIC AI Model Bulletin; Colorado AI/algorithms regulation).
Discounts: Liberty Mutual lists numerous car insurance discounts, including multi‑policy, multi‑car, homeowner, good student, military/affinity, safe/violation‑free driving, and payment/paperless savings. RightTrack adds a telematics‑based discount opportunity on top of traditional savings, while ByMile can benefit drivers who put significantly fewer miles on the road. Exact amounts and eligibility vary by state and program (RightTrack; Bankrate; NerdWallet).
Liberty Mutual Home Insurance
Liberty Mutual home insurance is available nationwide, including states with elevated catastrophe risk. The product lineup is conventional (dwelling, personal property, liability) with add‑ons such as water backup/sump overflow in many states, and related options for condo, renters, landlord, and mobile home coverage. Market conditions remain challenging: the U.S. recorded a high number of billion‑dollar weather events recently, and California has updated rules to allow catastrophe models and certain reinsurance costs in rate filings—changes that may influence availability and pricing as carriers seek rate adequacy (NOAA; California DOI property insurance reforms).
As with auto, Liberty Mutual was not publicly listed among top performers in J.D. Power’s 2025 U.S. Property Claims Satisfaction Study, though complete brand scores are available only to subscribers (J.D. Power Property Claims).
Strengths: Nationwide availability with multiple related property products (homeowners, condo, renters, landlord, mobile home) and bundling opportunities. Top‑five national scale in homeowners (~6%+ market share) supports broad servicing and network reach (S&P Global Market Intelligence).
Restrictions: Endorsements and availability vary by state; some higher‑risk geographies may see tighter underwriting or higher rates due to catastrophe exposure and reinsurance costs. Not publicly listed among top performers in J.D. Power’s latest property claims results (NOAA; J.D. Power).
Discounts: Liberty Mutual advertises several home insurance discounts, such as claims‑free, paperless, early shopper, and multi‑policy. Amounts and eligibility differ by state.
Liberty Mutual Life Insurance
Liberty Mutual markets life insurance through partner carriers rather than underwriting it directly. In 2018, Liberty Mutual exited life insurance manufacturing, with Lincoln Financial acquiring Liberty Life Assurance Company of Boston (group benefits) and Protective Life reinsuring/acquiring the individual life and annuity business (Lincoln Financial; Business Wire).
Strengths: For shoppers who prefer a single brand touchpoint, Liberty Mutual’s site provides access to partner‑issued life insurance. As of 2025, term life shoppers are routed to TruStage, with policies issued by CMFG Life Insurance Company; quotes, underwriting, and servicing occur with the issuing carrier (Liberty Mutual – Life insurance; Liberty Mutual – Term life; TruStage).
Restrictions: Because Liberty Mutual does not underwrite individual life insurance, it is not scored in J.D. Power’s life insurance satisfaction studies; customer experience and claims outcomes depend on the partner carrier issuing the policy (J.D. Power ratings overview).
