Reviews Report
- Liberty Mutual offers auto and home insurance in all 50 states and Washington, D.C.
- The company sells numerous types of insurance and savings programs (including telematics and pay-per-mile options), which could be appealing to those who want to keep all their insurance products in one place.
- In J.D. Power’s latest 2024 auto and property claims studies, Liberty Mutual was not publicly listed among top performers; detailed brand scores require subscription. The company is not rated by J.D. Power for life insurance satisfaction.
Liberty Mutual Insurance was founded in 1912 and, as of 2023, ranked around the seventh-largest property and casualty insurer in the United States with roughly 4.8% market share. The company, which is headquartered in Boston, offers an impressive array of insurance products, including options for personal clients and businesses. Auto and home coverage is available in all 50 states and Washington, D.C. Reviews.com researched Liberty Mutual’s auto, home, and life insurance offerings to help you better understand if the carrier is right for your lifestyle.
Liberty Mutual Insurance Overview
| Auto insurance | Home insurance | Life insurance | |
| J.D. Power Customer Satisfaction Score* | 2024 study: not publicly listed among top performers | 2024 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 2024 Auto Claims Satisfaction Study, Property Claims Satisfaction 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.
Liberty Mutual Auto Insurance
Liberty Mutual is one of the country’s largest auto insurance carriers by market share. Liberty Mutual auto insurance could be a good option if you are looking for a carrier that offers a variety of optional coverages to help you personalize your policy. Liberty Mutual’s coverage offerings include loan/lease (gap) coverage, Mexico car insurance, New Car Replacement, and a lifetime repair guarantee; it also offers the RightTrack telematics discount and ByMile pay-per-mile insurance in select states. Better Car Replacement is no longer offered for new policies.
However, Liberty Mutual’s recent third-party benchmarks are mixed. Detailed brand scores in J.D. Power’s 2024 U.S. Auto Claims Satisfaction Study are available only to subscribers or licensed media, and Liberty Mutual was not publicly listed among top performers. Additionally, if you’re looking for top-tier digital tools, note that in J.D. Power’s U.S. Insurance Digital Experience Study for 2025, Liberty Mutual was not publicly named among the leading performers.
Strengths: Liberty Mutual offers numerous optional coverages and programs (including RightTrack telematics discounts and ByMile pay-per-mile in select states) that can help you personalize your policy. The company also offers several different product lines, so it could be a good fit for drivers wanting to bundle several kinds of insurance.
Restrictions: Liberty Mutual may not be a good fit for drivers seeking a top-tier digital experience, and it was not publicly listed among top performers in J.D. Power’s latest claims and digital experience studies.
Discounts: Liberty Mutual offers several car insurance discounts, including savings for military members, safe drivers, and homeowners, plus additional savings via RightTrack telematics or ByMile pay-per-mile (select states).
Liberty Mutual Home Insurance
Liberty Mutual home insurance, like the company’s auto insurance, is offered nationwide, even in higher-risk states like Florida and California. The company’s offerings are fairly standard, but Liberty Mutual home insurance could still be a good option if you want to bundle with an auto policy. In addition to home insurance, Liberty Mutual also offers condo owners, renters, landlord, and mobile home coverage. Common optional add-ons like water backup/sump overflow are available in many states.
However, the carrier doesn’t advertise many home insurance endorsements on its website, which could make it more difficult to build a personalized policy. Additionally, just like its car insurance product, Liberty Mutual’s home insurance was not publicly listed among top performers in J.D. Power’s 2024 U.S. Property Claims Satisfaction Study.
Strengths: Coverage is available nationwide. Liberty Mutual also offers options for renters, condo owners, landlords, and mobile home owners.
Restrictions: Liberty Mutual doesn’t advertise many endorsements online. The company also was not publicly listed among top performers in J.D. Power’s latest property claims satisfaction results.
Discounts: While Liberty Mutual may not advertise many endorsements, it does list several home insurance discounts, including claims-free, paperless, and early shopper.
Liberty Mutual Life Insurance
In addition to property and casualty insurance (which includes auto and home), Liberty Mutual markets life insurance through partner carriers rather than underwriting it directly. Policies and servicing are handled by the issuing life insurer, and product availability varies by state.
Strengths: Liberty Mutual life insurance offers a convenient way for customers to compare and purchase coverage through partners while keeping their insurance shopping in one place.
Restrictions: The carrier does not underwrite individual life insurance and therefore does not have a J.D. Power life insurance satisfaction score; satisfaction will depend on the issuing life insurer.
