- Liberty Mutual offers auto and home insurance in all 50 states and Washington, D.C.
- The company sells numerous types of insurance, which could be appealing to those who want to keep all their insurance products in one place.
- Liberty Mutual receives below-average J.D. Power claims satisfaction scores for both auto and home. The company is not rated by J.D. Power for life insurance satisfaction.
Liberty Mutual Insurance was founded in 1912 and, as of 2020, was the sixth-largest property and casualty insurer in the United States. 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*||876/1,000||881/1,000||N/A|
|AM Best Financial Strength||A (Excellent)||A (Excellent)||A (Excellent)|
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 gap coverage, Mexico car insurance, Better Car Replacement, and a lifetime repair guarantee.
However, Liberty Mutual did receive a below-average score from J.D. Power for auto claims satisfaction, which could indicate that customers are often unsatisfied with the claims experience. Additionally, if you’re looking for strong digital tools, Liberty Mutual may not be the best carrier. The company received a below-average rating in J.D. Power’s 2021 U.S. Insurance Digital Experience Study for both shopping and service.
Strengths: Liberty Mutual offers numerous optional coverages for auto insurance, which could 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 looking for digital tools, and the company generally scores lower than average for claims satisfaction.
Discounts: Liberty Mutual offers several car insurance discounts, including savings for military members, safe drivers, and homeowners.
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.
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 receives a lower-than-average claims satisfaction score from J.D. Power.
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 received a lower-than-average claims satisfaction rating from J.D. Power.
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 offers life insurance products as well. However, Liberty Mutual life insurance is limited to just term and whole life, which means that customers looking for a wider variety of products may be better served elsewhere. The company also offers annuities.
Strengths: Liberty Mutual life insurance offers a convenient way for customers to keep all their insurance products with one company.
Restrictions: The carrier offers fewer types of life insurance than other competitors and does not have a J.D. Power life insurance satisfaction score to attest to its customer service.
Frequently Asked Questions
It depends on your individual needs and wants; Liberty Mutual may be the best car insurance company for some drivers and not such a great fit for others. Liberty Mutual offers an array of endorsements and discounts for car insurance, which may be appealing if you’re looking for personalized coverage, but it did receive a lower-than-average claims satisfaction score from J.D. Power. However, Liberty Mutual acquired State Auto in March 2022, which could result in changes to the company’s structure as well as its satisfaction scores.
Yes, Liberty Mutual has a mobile app that is well-rated by both the App Store and Google Play. The app allows customers to pay bills, file claims, and view coverage information. However, J.D. Power did rate Liberty Mutual as having below-average digital sales and service experiences, despite the app being highly-rated by consumers.
Liberty Mutual offers online quotes, which may be appealing to drivers and homeowners who enjoy doing business online. However, you can also call 1-844-411-9591 or visit a local agency if you prefer a more guided approach to your insurance coverage.