Liberty Mutual Car Insurance Review for 2024

Since its beginning in 1912, Liberty Mutual has made waves across the insurance industry. Today, it holds the spot of third-largest property and casualty insurance company in the United States.

With more than 900 locations across the globe and 50,000 employees, this billion-dollar company provides its customers with a wide range of insurance services and products. These products range from personal automobile insurance and worker’s compensation to general liability and much more.

Whether you’re a lifelong customer of Liberty Mutual or are looking for a new provider and considering this insurance behemoth, this Liberty Mutual car insurance review is for you. We’ll help you understand your coverage options, what factors affect your rates, and much more.

Liberty Mutual Insurance Average Monthly Rates vs U.S. Average

Factors Affecting the Cost of Liberty Mutual Car Insurance

Liberty Mutual, as one of the major insurance providers in the United States, offers a range of car insurance policies with varying rates. The cost of Liberty Mutual car insurance can be influenced by numerous factors, including your location, driving history, the type of coverage you need, and more. Here are the factors that impact the cost of Liberty Mutual car insurance and provide some insights into what you can expect.

• Location: Insurance costs are often higher in areas with a higher frequency of accidents, theft, or severe weather conditions. Urban areas typically have higher insurance rates than rural areas.
• Driving History: Your personal driving history, including accidents, violations, and claims, plays a significant role in determining your insurance premiums. Safe drivers often enjoy lower rates.
• Type of Coverage: The type and amount of coverage you choose will impact your insurance costs. Basic liability coverage is typically less expensive than comprehensive coverage.
• Vehicle Type: The make and model of your vehicle, as well as its age, can influence insurance rates. Expensive or high-performance vehicles tend to have higher premiums.
• Age and Gender: Younger, less experienced drivers often pay more for insurance. In some cases, gender can also be a factor.
• Credit Score: In many states, insurance companies use credit scores as a factor in determining rates.
• Discounts: Liberty Mutual, like many insurance companies, offers various discounts that can help reduce your premium. These discounts may be related to safe driving, bundling policies, or other factors.

The cost of Liberty Mutual car insurance is a highly personalized matter, dependent on a range of individual factors. To get an accurate estimate of what you might pay for car insurance from Liberty Mutual, it’s advisable to contact the company directly or use their online tools for obtaining a customized quote.

Keep in mind that while cost is important, it’s just one aspect to consider when choosing car insurance. Factors like coverage options, customer service, and the company’s financial strength should also be factored into your decision.

If you want to look at quotes across several major providers, you can use our free online tool.

Ready to get to it? Let’s begin with a definitive Liberty Mutual auto insurance review.

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Liberty Mutual Ratings

Figuring out how your insurance provider rates compare to other companies in the United States is critical when deciding whether to keep (or start) your policy. But how do you know if a company suits your needs? And who should you trust to rate companies that all claim to be the best?

We have the answers.

You should consult independent rating agencies like Standard & Poor’s and J.D. Power, who release ratings for insurers across the nation. That way, you know you’re getting an unbiased opinion based on data. Ratings published by these agencies are high in quality and function as a barometer for the financial strength, customer satisfaction, and creditworthiness of insurers.

So let’s dive into Liberty Mutual’s ratings – and what they mean for you.

A.M. Best

A.M. Best uses a unique system to award ratings to companies ranging from an A+ for companies that have a superior ability to meet their ongoing insurance obligations, all the way down to D.

Low ratings mean a company is extremely vulnerable in terms of financial strength, and may soon be going under.

Liberty Mutual received an overall A rating from A.M. Best, meaning the company is in an excellent position to meet its financial obligations to customers and pay claims. Further, A.M. Best projects a stable outlook for the company as of the most recently released ratings from May 2019.

Liberty Mutual was also awarded a long-term issuer credit rating of A, translating to more great news for current and future customers.

Better Business Bureau

The Better Business Bureau uses its own wide range of components to decide ratings, including the number of complaints a carrier received in a given year, loss ratio, and length of time in operation.

However, the BBB is a little different from A.M. Best in that it issues ratings on a state-by-state basis, rather than a comprehensive or national rating.

In Massachusetts, the BBB awarded Liberty Mutual an A rating and an overall score between 94 and 96.99. Whenever you look for reviews of a particular insurer, you should compare several rating sources to get the clearest picture of what their service looks like across the board.

Next, we’ll compare A.M. Best and BBB reviews to Moody’s.

Moody’s Rating

Moody’s uses another slightly different rating scale, ranking ratings by letter grade, from Aaa to C. Aaa is the highest designation awarded by the rating agency, and C is the lowest.

According to Moody’s most current ratings for Liberty Mutual, the insurer has a long-term issuer rating of Baa1 and an insurance financial strength of A2.

What does that mean? A long-term issuer rating of Baa means a company presents a moderate credit risk and may possess some speculative characteristics. The 1 at the end means an insurer’s obligations are on the higher side of its generic rating category.

Moody’s long-term issuer credit rating for Liberty Mutual is worth keeping track of in the future. The data suggests this carrier presents a marginal credit risk, and that could equal losses for investors in the future.

The good news: Moody’s A2 financial strength rating shows that Liberty Mutual has superior intrinsic financial strength.

Now, we’ll take S&P’s rating into account.

S&P Rating

Standard & Poor’s looks even more expansively for its ratings and compiles global ratings for companies, reviewing components such as credit and potential risk factors. Similar to the previous agencies, S&P awards its ratings using a letter grade system.

S&P awarded Liberty Mutual a credit rating and financial strength rating of A. Both indicate the company is in a strong position to continue to meet its financial commitments.

However, an issuer credit rating of A reveals the carrier could be vulnerable to adverse consequences of sudden economic changes in comparison to companies in higher-rated categories. Overall, Liberty Mutual has well-above satisfactory ratings with a bright outlook for its financial future.

Now that you have a clear idea of where Liberty Mutual sits financially, let’s look at how it fares in consumer satisfaction. No one wants to end up insured by a company riddled with bad customer service and stuck in the complaint process after filing a claim.

NAIC Complaint Index

The National Association of Insurance Commissioners (NAIC) is the chief regulatory body for insurers in the United States. The next table shows the most recent consumer complaint index for Liberty Mutual, as provided by the NAIC.

As you can see, 2016 was Liberty Mutual’s worst year in terms of customer complaints. Though they recovered and saw a decrease in 2017, the number slightly rose back up again in 2018.

In 2017 and 2018, the company’s complaint index was above the national average, while its share of the U.S. market and premiums written dropped each year during those three years.

These numbers shouldn’t cause customers alarm.

However, given Liberty Mutual’s steady decline in market share, this could be tied to the number of complaints received. We’ll see whether this trend continues, or if the company can right its growth.

Consumer complaints are just one aspect of understanding how well a company treats customers. You also need to look at the percentages of satisfied customers.

J.D. Power

J.D. Power’s yearly insurance study evaluates consumer satisfaction data for top carriers across the country and breaks them down by region.

The infographic below shows customer satisfaction for premier insurers in the Northwest region of the United States, which includes Idaho, Montana, Oregon, Washington, and Wyoming.

Liberty Mutual fell on the lower end of the spectrum, receiving 792 points based on a 1,000-point scale, alongside fellow top carriers Nationwide and Progressive.

It seems Liberty Mutual has some room for improvement when it comes to customer service.

Consumer Reports

Consumer Reports’ most recent study is also worth looking at to learn more about Liberty Mutual’s customer satisfaction ratings.

Despite the marginal ratings awarded to Liberty Mutual by the NAIC and J.D. Power, Consumer Reports’ study revealed positive results. Liberty Mutual saw consistent satisfaction on all counts from the ease of reaching an agent to agent courtesy.

Again, this proves that it’s good to look around before you make a snap judgment about a provider from a single study.

Consumer Affairs

Consumer Affairs’ recent report shows a less positive picture of Liberty Mutual based on over 100 ratings submitted in the past year. The report gave the provider an overall satisfaction rating of just 1.5 stars.

Some of the top pros the report mentioned included:

• The company’s RightTrack program promotes good driving behavior
• New car replacement and accident forgiveness
• Easily navigable website
• Established company
• The Liberty Mutual Deductible Fund, which helps customers save up for their deductible

As for the top cons, customers noted an increase in their rates for coverage. Consumers were also dissatisfied that many discounts were not available in every state.

The star ratings don’t factor in customer reviews outside the last year, meaning the results were based on 176 out of the total 1,353 ratings.

Further, Liberty Mutual doesn’t participate in the Consumer Affairs’ accreditation program, which might also explain the disparity in ratings.

Liberty Mutual Company History

Originally known as the Massachusetts Employees Insurance Association, Liberty Mutual opened its first branch office in 1914. Later that year, it wrote its first automobile insurance policy. In 1917, the insurer changed its name to Liberty Mutual Insurance Company. From then on, Liberty Mutual began offering full coverage auto insurance policies through various partnerships.

In the more than 100 years since then, Liberty Mutual has grown exponentially, acquiring several smaller companies. In recent years, Liberty Mutual has seen some of its most significant growth yet. It acquired Safeco Corporation in 2008 and specialty insurer Ironshore Incorporated in 2017.

Now that you have a thorough grasp of Liberty Mutual’s history, financial ratings and overall customer satisfaction, we’re ready to move onto more important info for consumers.

From the carrier’s market share to its position for the future and community involvement, we’ll go over all you need to know about Liberty Mutual.

Liberty Mutual Market Share

A company’s market share can reveal how secure its position is in the industry compared to competitors. This next table shows data collected by the NAIC, showing Liberty Mutual’s share of the insurance market from 2015–2018.

Over this period, the trend began strong, with Liberty Mutual’s share of the U.S. insurance market going up in 2016 and remaining the same in 2017. However, it dipped slightly in 2018.

Liberty Mutual’s Position for the Future

Taking into account all the data and ratings Liberty Mutual has received over the last few years, it’s possible to look ahead and consider what might come for this insurance giant in the next few years.

When it comes to financial strength, both Moody’s and A.M. Best awarded Liberty Mutual very high ratings when it comes to meeting its financial obligation to customers. Though Moody’s long-term issuer credit rating could indicate that the company faces some risk in the future in terms of creditors, a superior financial strength rating creates a more positive picture for the future.

Similarly, S&P gave Liberty Mutual the high rating of A for both its financial strength rating and issuer credit rating, showing an even better ability to meet future financial commitments. However, S&P, similar to Moody’s, showed that Liberty Mutual may be more subject to economic shifts than competitors with stronger ratings.

As a whole, the future looks bright for Liberty Mutual’s financial strength and market share. The key area the company could improve on is customer service.

In 2017 and 2018, the NAIC reported that Liberty Mutual’s customer complaints were higher than the national average, although consumer complaints were below the national average in 2016. According to the NAIC, in the last two years Liberty Mutual’s share of the U.S. market and its total premiums written also declined slightly (but steadily). There’s a good chance these two factors are related.

J.D. Power scored the company’s customer satisfaction on the lower end of their rating spectrum, but not so low that it should be a cause for alarm. Although it’s not superb, this rating means Liberty Mutual is doing a slightly above average job when it comes to customer service.

Consumer Reports’ ratings were overwhelmingly positive and ranked the customer satisfaction scores quite high. While Consumer Affairs’ ratings for Liberty Mutual were just 1.5 stars, this study only reviewed a small fraction of the total customer reviews of the company on its site over the last few years and didn’t necessarily offer a comprehensive picture of customer satisfaction.

In short, Liberty Mutual will need to continue fulfilling its financial obligations and working to improve customer satisfaction. That way it will keep on track to remain strong in the future.

If the company begins offering affordable rates to consumers and finding innovative ways to serve customers better, Liberty Mutual could move toward regaining its larger share of the U.S. insurance market and grow in terms of its premiums written in the years to come.

Liberty Mutual’s Online Presence

Liberty Mutual offers a range of services online, allowing you to do everything from reporting a vehicle claim to paying your bill. 24/7 roadside assistance is available, and representatives are just a phone call away for customer service, claims, and sales needs.

This means you can get all your questions answered and insurance needs taken care of with just a few clicks or by dialing the appropriate department.

To speak to an agent, call customer service at 1-800-290-8206 and stay on the line (generally anywhere from three to five minutes). You can also follow the prompts to be directed to departments such as claims or billing.

Liberty Mutual’s Commercials

Liberty Mutual’s insurance commercials are well known for featuring the Statue of Liberty in the background.

The company’s long-running campaign known as the Truth Tellers has balanced humor and creativity in its character choices with a healthy dose of information to engage consumers.

The following commercial portrays the character of a budding actor trying to explain customized insurance – the struggle is real.

https://youtu.be/QRREDL59u_o

Here, the beloved Doug and LiMu are on a stakeout looking for new customers to explain Liberty Mutual’s customized insurance options.

https://youtu.be/ogtiufGylIQ

One of Liberty Mutual’s recent commercial character rollouts, Zoltar the animatronic fortune teller is just full of helpful insurance tips.
https://youtu.be/8VDrIOtyno8

To close it all out, here’s a final gem with LiMu Emu and Doug.
https://youtu.be/QcOTtwXjXaU

Liberty Mutual in the Community

Liberty Mutual has a long-standing history of community involvement and service. Its initiative, the Liberty Torchbearers, is a series of programs designed to:
“…empower employees to offer their time, talents, and resources to the causes they care most about, and stand behind them as they do.”
The carrier sponsors Serve With Liberty, an annual day of community service that takes place during the first half of May each year. In 2019, 24,143 Liberty Mutual employees participated. Nonprofit organizations can also participate.

The company’s national charitable program Give with Liberty enables employees to donate to the eligible social service charities they choose via online pledging to be deducted from their payroll.

Liberty Mutual matches every 50 cents on the dollar that an employee donates with no limit in place.

Volunteer with Liberty supports company employees who perform community work to serve nonprofit organizations they’re passionate about. The Volunteer with Liberty program offers mini-grants, providing employees volunteering on their personal time the opportunity to win $250 to be donated to their nonprofit of choice.

Liberty Mutual’s Employees

An interesting aspect to consider when deciding whether a company is the right fit for you is what its employees have to say. After all, employee morale and satisfaction is another strong indicator of how the company is doing as a whole.

According to Great Place to Work, 83 percent of employees say that Liberty Mutual is a great place to work. An impressive 91 percent of employees reported that they felt good about the ways the company was contributing to the community and that new hires are made to feel welcome.

Another 89 percent of the employees said they were able to take time off of work when necessary, and 88 percent reported that employees are given a lot of responsibility.

https://youtu.be/NKN66BMVXn0

Eighty-six percent of Liberty Mutual employees feel that management is ethical and honest in its business practices.

Considering the Liberty Mutual family is over 50,000 strong, these numbers speak volumes about just how this carrier is doing not only in serving its customers but in how well it treats its employees.

What about the average age and tenure of employees? Well, the same study by Great Place to Work found that the employee population of Liberty Mutual is composed of 45 percent millennials, 36 percent Gen Xers, and 18 percent baby boomers.

In terms of tenure, the study reported the following:

• 20 percent of employees have worked at the company for less than two years
• 27 percent of employees have worked at the company for two to five years
• 18 percent of employees have worked at the company for six to 10 years
• 12 percent of employees have worked at the company for 11 to 15 years
• 9 percent of employees have worked at the company for 16 to 20 years
• 14 percent of employees have worked at the company for over 20 years

Liberty Mutual was ranked #37 in PEOPLE 2019 Companies that Care® and #80 in Best Workplaces for Diversity 2017.

Liberty Mutual has a 3.3-star rating on Glassdoor, based on over 4,000 reviews.

As for other top awards and accolades, in 2018, Liberty Mutual ranked among the top companies mentioned on each of the following recipient lists:

• Forbes 2018 – America’s Best Employers for Women
• Forbes 2018 – The Best Employers for New Grads
• Fortune 100
• Great Place to Work – Certified
• Digital Workplace of the Year
• Gartner Eye on Innovation for Financial Services

More than 8,300 company employees have shared their salaries on Glassdoor at the time of this review. Claims adjusters make an average of $55,492 per year, while sales representatives bring home about $33,908 annually.

Interested to learn more about joining the ranks of Liberty Mutual employees across the nation? Check out the company’s careers page to learn more.

Cheap Car Insurance Rates

Naturally, car insurance rates could the most significant factor you take into account when deciding whether to take the plunge with a carrier.

In the following section, we’re going to dig deep into the company’s rates, comparing them to the competition, and examining the factors such as gender, car type, and coverage level that could affect your annual policy premiums.

Ready to see how Liberty Mutual holds up against the competition?

Let’s dive right in.

Liberty Mutual Availability and Rates by State

Liberty Mutual is available in all 50 states. Check out the table below, revealing the average rates offered by Liberty Mutual in comparison with the average in each state.

As you may have already noticed, the state you live in can have a significant impact on the affordability of the premiums Liberty Mutual charges consumers.

Case in point: While Colorado insureds pay 27.83 percent less for coverage through Liberty Mutual than the state average, consumers in Connecticut pay 57.67 percent higher rates than the state average when opting for coverage through Liberty Mutual.

Comparing the Top 10 Companies by Market Share

The table below compares the average annual rates for the top 10 insurance carriers in the country. These companies have made it to the top 10 list based on their current share of the U.S. insurance market.

So, how do Liberty Mutual’s rates hold up against the competition? Let’s look at a few examples by state.

For instance, in Alabama, Liberty Mutual charges the fourth most expensive rates of the carriers listed, with carriers State Farm, Progressive, and Farmers holding the top three positions for the highest premiums.

If you look a bit further down the table to the rates in the state of California, you’ll note that Liberty Mutual assesses the fourth cheapest rates of the companies listed.

For example, Californians insured by competitors State Farm and Nationwide pay anywhere from roughly $1,200 to $1,600 more per year for coverage than Liberty Mutual customers do.

Average Liberty Mutual Male vs. Female Car Insurance Rates

Check out the table below, revealing the average annual rates Liberty Mutual charges as compared to its competitors, based on consumer age and gender.

Several states have banned the use of gender as a factor when determining rates, including California, Hawaii, Massachusetts, Montana, Pennsylvania, North Carolina, and certain parts of Michigan.

You may have already noticed that for each age and gender demographics listed, Liberty Mutual charges the highest rates of any of the carriers. The idea being certain demographics posing a higher likelihood of filing a claim.

For example, while a company such as Nationwide charges 17-year old male drivers about $7,175.31 per year for coverage, Liberty Mutual charges $13,718.69 to the exact same driver demographic.

That’s roughly a $6,500 difference in rates. While the rate difference isn’t so vast with other driver demographics, the data clearly shows that young drivers could pay much higher rates if they opt for coverage with Liberty Mutual.

Average Liberty Mutual Rates by Make and Model

The make and model of your vehicle can also have an effect on the rates you’ll pay for coverage. Let’s see what the data shows.

Have a look at the table below to see just how much companies, including Liberty Mutual, could charge you based on the kind of car you own.

The table here shows that for rates by make and model, Liberty Mutual comes in again with the highest rates on all counts.

The disparity in rates is more significant with certain vehicle types than others, but the company continues to charge the highest rates to consumers across the board.

For example, if you look at what State Farm charges customers with a 2018 Honda Civic Sedan versus what Liberty Mutual charges, you’ll notice that there’s about a $3,500 rate difference between these two companies.

Average Liberty Mutual Commute Rates

The length of your daily commute could also affect your rates for coverage.

With some companies, the difference in rates if you have a 10- vs. 25-mile commute is negligible, while the rate gap is much more noticeable with other carriers.

By this point in our Liberty Mutual auto insurance review, you’ve likely already noticed a distinct trend in that the company’s rates are consistently among the highest (if not the highest) when compared to other competitors. Once again, if you look at the companies and rates listed here, you can see that Liberty Mutual charges the most expensive annual rates based on commute time compared to the other premiums listed.

In terms of the actual rate difference for a 10- vs. 25-mile commute, Liberty Mutual charges drivers with a longer commute about $156 more per year.

Average Liberty Mutual Coverage Level Rates

It’s only natural that if you pick higher levels of coverage, you’ll probably pay more. After all, the higher your coverage limits, the more your insurance carrier could be liable to pay if you get into a crash or incur another covered loss.

According to the data our researchers gathered, Liberty Mutual charges roughly $550 more per year in premiums to consumers who opt for high vs. low levels of coverage.

Also, Liberty Mutual charges the highest rates of all the carriers listed for each coverage level.

In comparison, a company such as Nationwide only charges about $110 more per year if you opt for high over low coverage for your policy.

Average Liberty Mutual Credit History Rates

Other than a small number of states where the practice is entirely banned by law, most states permit car insurance companies to use your credit history as a deciding factor when assessing your rates for coverage.

Take a look at the table here to see just how much your rates could go up or down based on your credit history.

In the case of Liberty Mutual, consumers with poor credit can expect to pay roughly $4,400 more annually for coverage than those with a good credit history.

The trend in rates previously discussed continues here, as Liberty Mutual charges the highest rates of all the carriers listed based on poor, fair, and good credit histories.

For comparison purposes, look at how much State Farm charges consumers with good vs. poor credit. Customers of State Farm with poor credit can expect to pay about $2,800 a year more than consumers with good credit.

That’s hardly small change, but still about $1,600 less than the difference in rates that Liberty Mutual charges.

In 2017, Experian reported that the average VantageScore was 675, making for the highest average credit score since 2012.

If you’re discouraged by the prospect of just how much more you might have to pay for coverage if your credit history is less than perfect, the good news is that it’s never too late to start forming better credit habits and work on chipping away at your debt.

By paying down existing debt and never spending more than you can pay off in a billing cycle, better credit (and more affordable rates) could be in your future.

Average Liberty Mutual Driving Record Rates

While you probably already knew that your driving record can (or already does) affect how much you pay for car insurance, having a clean driving record vs. one accident or a DUI could cost you thousands of dollars more in premiums per year.

Liberty Mutual charges consumers with one DUI on their record roughly $3,000 more annually than those with a clean driving history.

Compare this to a carrier such as American Family, which charges drivers with one DUI on their record about $1,600 more than customers with a clean record.

It’s not surprising by now that Liberty Mutual not only shows some of the highest rate gaps based on driving history but charges the most expensive rates of all the companies listed in each driving record category.

The fact remains, however, that no matter which company you select, just one violation on your record could make your annual insurance bill skyrocket.

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Coverages Offered

Next, we’re going to take a comprehensive look at the full range of coverage options available to consumers from Liberty Mutual. From the primary coverages to valuable add-ons to important discounts you won’t want to miss – we’ve got you covered.

Let’s dig deeper.

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Types of Coverages Offered

Check out the primary types of auto insurance coverage Liberty Mutual offers consumers, along with optional coverage options you can include when structuring your policy.

Some policy options aren’t available in all 50 states. Call Customer Service at 1-800-290-8206 to confirm which options are available in the state you live in.

Bodily injury liability coverage: This insurance covers lost wages, medical expenses, legal costs, pain and suffering, and funeral costs incurred by another party when you cause a vehicle accident.

Liability coverage also includes legal defense costs if you’re ever sued for damages by the injured party.

Property Damage Coverage: When you cause a collision, this type of coverage pays for the costs associated with repairing or replacing the property you damaged with your car.

Collision Coverage: This covers any repairs required due to an accident involving a collision with another car or object (such as a fence).

Comprehensive Coverage: Covers damages incurred due to something other than a collision or rollover, such as fire or theft.

Medical Payments Coverage: Regardless of fault, medical payments coverage (MedPay) serves as initial medical coverage for you and any passengers stemming from an accident.

This coverage includes injuries sustained by family members who are in someone else’s car or are pedestrians.

Personal Injury Protection (PIP) Coverage: This also covers medical costs stemming from an accident, regardless of fault. PIP is required in some states, and details vary based on the state you live in.

PIP could cover hospital bills, medication, rehab expenses, and other costs associated with a collision.

Uninsured Motorist Coverage: If you’re injured in an accident by an uninsured at-fault driver, this coverage will pay for your damages up to your chosen limits.

Accident Forgiveness: If you’ve been in an accident and have had no violations for five years, your insurance premiums won’t go up after one at-fault accident.

Liberty Mutual Deductible Fund®: This program allows you to save money on your deductible. Upon enrolling, you can save up to $100 per year on your collision deductible.

Customers contribute $30 annually, and Liberty Mutual contributes $70. There’s no cap on how much you can save, and the money saved in your Deductible Fund doesn’t expire as long as you remain a Liberty Mutual customer.

Lifetime Repair Guarantee: With this add-on, if you use an approved facility, Liberty Mutual will guarantee repairs as long as you own your vehicle.

New Car Replacement™: This coverage helps cover the costs of getting a new vehicle if your car is totaled. If your totaled vehicle is less than one year old and has less than 15,000 miles on it, New Car Replacement™ coverage will provide you the money for a brand new vehicle instead of the depreciated value of the previous car.

Better Car Replacement™: With Better Car Replacement™, if your vehicle is ruled a total loss, Liberty Mutual will provide the money for a replacement vehicle that is one model year newer and has 15,000 fewer miles than the totaled car.

Rental Car Reimbursement: If your car gets damaged in an accident, you can take it to one of the company’s approved repair locations, and Liberty Mutual will pay the costs of a rental vehicle up to a daily cap.

Liberty Mutual partners with Enterprise Rent-A-Car, offering discounts on rates and direct billing, but you can select a different rental car provider based on your preference.

Towing and Labor (Roadside Assistance): If something unexpected occurs with your car while you’re on the road, accident-related or otherwise, roadside assistance coverage could prove invaluable.

This type of coverage includes covered events such as a dead battery, flat tire, getting locked out of your vehicle, getting your vehicle towed, and running out of gas.

Gap Coverage: If you recently took out a loan and then totaled your vehicle, gap coverage could reimburse you for the difference between the amount still unpaid on your loan and the cash value of your car.

Original Parts Replacement: This allows you to replace damaged car parts with parts that are of the highest quality and standards.

If original manufacturer parts aren’t available, reconditioned or comparable parts will be included in your estimate.

Teacher’s Car Insurance: This coverage provides extra protection for teachers’ vehicles and teaching materials, including damages at school due to a collision, vandalism, stolen school property in your car, or stolen supplies in your car.

Mexico Car Insurance: All vehicles crossing the border to Mexico require insurance, and Liberty Mutual makes buying this type of coverage a breeze.

You can decide on the details of your policy, such as the duration, your coverage limits, and the vehicle you’ll be driving on your trip.

Factors That Affect Your Rate

One of the best ways to save on coverage when buying insurance is to bundle your policies. If you buy more than one policy from Liberty Mutual, you could save big with the company’s multi-policy discount.

It doesn’t matter if you rent an apartment, own your own home, or live in a condo. You can pair the coverage you need with your auto insurance to save on all of your policies.

With excellent account management tools and unfettered access to a huge network of agents, it’s faster and easier than ever to save on car insurance.

Getting the Best Rates with the Liberty Mutual

Everyone wants to save on car insurance – and there’s so much more than multi-policy discounts to get you off to a successful start with your Liberty Mutual policy. The company offers an extensive range of discounts to consumers.

Check out the table below to see how much you could potentially save on your policy by taking advantage of these discount options.

You could save anywhere from 4-35 percent on coverage with some of these discounts. If you noticed that some discounts don’t have the precise savings listed, this is partly because the amount saved is based on the specific insured.

Also, not all discounts are available in all states.

Speak with your agent when structuring your Liberty Mutual auto insurance policy to ensure that you use all the discounts you can and find out exactly how much you could save with each.

Discounts for You

Besides the fact that being a homeowner could qualify you for savings (not to mention the multi-policy discount for bundling your insurance policies), Liberty Mutual also offers a military discount for active, retired, or reserved military members.

With the Early Shopper Discount, if you get your quote before your current policy’s expiration date, Liberty Mutual could help you save up to 45 percent on coverage if you sign up. The Good Student Discount is a great incentive to get good grades and save on coverage for students whose grades are B or better.

If your child is away at school and only gets behind the wheel of one of your vehicles occasionally, you could be eligible for the Student-Away-at-School Discount.

Discounts for Your Car

You could also save on coverage if your car has specific features. For example, the Advanced Safety Features Discount could apply if you have advanced safety components in your vehicle such as electronic stability control, adaptive headlights, and anti-lock brakes.

For motorists with an electric or hybrid vehicle, the Alternative Energy Discount is another attractive option not only to cut back on pollution but also to reduce your insurance costs.

If your vehicle features anti-theft technology, you could also be eligible for Liberty Mutual’s Anti-Theft Discount.

Discounts Based on Your Driving

Remember how we looked at Liberty Mutual’s rates by driving record?

You already know that Liberty Mutual charges the steepest premiums of the top carriers in the insurance market, and customers with certain violations on their record could pay thousands of dollars more per year for coverage.

The good news is that safe driving habits could translate to big savings for Liberty Mutual customers. Options such as the Accident-Free and Violation-Free discounts could make a big difference in how much you have to pay for car insurance annually.

The company’s RightTrack® Discount could help customers save up to 30 percent on coverage for the duration of their auto policy. The program requires customers to use a small device that tracks driving habits and notifies Liberty Mutual of the driving choices they’re making.

The technology tracks actions such as nighttime driving, braking, acceleration, and distance traveled. Safe driving equals more significant rewards. The carrier’s proprietary RightTrack® app provides driving tips, tracks savings, triggers shipment of the tracking device, and more.

Discounts Designed for Your Policy

You already know about the multi-policy discount that helps you save if you take out more than one insurance policy with Liberty Mutual. You could also save through the carrier’s multi-car discount if you insure all your vehicles through Liberty Mutual.

Options such as the Preferred Payment Discount mean you can save both time and money if you enroll in an automatic payment plan linked to your bank account. Likewise, the Paperless Policy Discount is a helpful way to save on paper and insurance costs. You could also qualify for the Pay-in-Full Discount if you pay for your entire policy in just one or two payments.

Ready to take the plunge with Liberty Mutual? Well, if you buy your policy online, the Online Purchase Discount would apply to your purchase. The discount applies roughly 12 percent off auto insurance coverages include:

• Bodily injury liability
• Physical damage
• Underinsured motorist
• Uninsured motorist
• Personal injury protection
• Medical payments
• Comprehensive coverage
• Collision coverage

Of Liberty Mutual’s various discounts and programs offered, a few stand out that warrant further discussion. The company’s Better Car Replacement™ program is a policy add-on that makes replacing your vehicle after a loss easier and more stress-free than ever.

With Better Car Replacement™, if your car is a total loss, you’ll receive money for a new replacement car one model year newer than your current car – and with 15,000 fewer miles on it.

This program could be an ideal choice for motorists who own their vehicle, as Better Car Replacement™ isn’t available for motorcycles and leased vehicles. It’s also a good option if you know you want to upgrade if your car is ever deemed a total loss.

RightTrack® by Liberty Mutual is the company’s safe driving initiative that also serves as an excellent discount option for customers. You could save anywhere from 5 to 30 percent on coverage, and the company will guarantee a discount just for participating and signing up.

The program follows a simple process. To participate, you first have to enroll when you join Liberty Mutual. Once you  download the Liberty Mutual RightTrack App® (available on the App Store and Google Play), your tracking device will be shipped.

When you receive the tag in the mail, simply stick it to your windshield and link the tag with your car when you use the app.

After driving for 90 days with the device monitoring your driving habits, Liberty Mutual confirms your discount and applies that amount to your policy premiums. You’ll also receive a box in the mail to return the tracking device.

Canceling Your Policy

If you ever need to cancel your car insurance policy with Liberty Mutual, you’ll likely have a lot of questions running through your mind about how the process works. Here’s what you need to know about canceling your policy with Liberty Mutual.

Cancellation Fee

The carrier’s 12-month policy duration means you could pay a fee for early cancellation if you terminate your policy before the end of that period.

The refunds, policies, and cancellation fees that could apply vary based on the state you live in, which is why you need to speak with an agent before canceling.

Some customers have reported no fees for canceling, while others have had to pay a cancellation fee of up to $100.

If you have to pay a fee for canceling before the end of your policy period, you may just want to wait out your policy term and cancel at that point.

Remember, while Liberty Mutual doesn’t mandate that you have another policy lined up before you cancel coverage, you must ensure that you comply with at least the minimum auto insurance requirements in your state.

Is there a refund?

Canceling your policy with Liberty Mutual is fairly straightforward, but you might not get the prorated refund on the remainder of your policy premiums right off the bat. Again, the amount of any refund you receive could depend on your state.

How to Cancel (Step-by-Step Guide)

Here’s how to cancel your coverage with Liberty Mutual.

Step #1: Get Your Policy Number

Start by getting your policy information together so you can tell the agent your policy number. At this time, you can only cancel your policy over the phone.

Step #2: Call Customer Service

Call Liberty Mutual’s customer service department at 1-800-658-9857 to talk to a licensed agent about the cancellation.

Step #3: Submit Your Cancellation Request

Once you talk to a live agent, be sure to ask about any cancellation fees, policy details, and refunds you could receive.

If you decide you want to proceed with the cancellation, ask that your policy be canceled and tell the agent the date you wish to terminate it. The agent will explain the cancelation process in full and help you through each step.

Step #4: Request a Final Confirmation

Finally, ask that confirmation of cancellation be sent either by email or mail.

When can I cancel?

You have the right to cancel your Liberty Mutual policy any time you wish. Just be aware that certain fees could apply depending on your policy details and where you live.

However, you must call Liberty Mutual to notify them of the cancellation, rather than simply ceasing to pay your insurance premium.

How to Make a Claim

If you get into an accident, you’ll want to know the exact process involved in making a claim. Luckily, Liberty Mutual’s claims reporting process is swift and efficient for customers.

Here’s what you need to know.

Ease of Making a Claim

Liberty Mutual gives you multiple options to file a claim after an accident. The claims department is available 24/7, which is a huge plus. You can file your claim online via the mobile app (which we’ll take a closer look at in a bit), or over the phone.

Before filing your claim, you’ll want to have the following information handy:

• Name and address of the driver
• Make and model of the cars involved
• A description of the damage
• Names and contact details for any witnesses
• Time and location of the accident
• Names, phone numbers, and policy information for any other insurance company
• Photos of the scene of the accident and cars involved
• Police report number and the name of the responding officer, if applicable

It takes just five to 10 minutes to file your claim online. You can upload photos through the online portal, check for status updates, and find a repair shop near you.

You can also file your claim through the mobile app and upload photos of your vehicle damage through the Express Estimate feature. Finally, you can call the claims department at 1-844-825-2467 to file your claim over the phone with a live representative.

The claims process itself is also pretty straightforward. Once you file your claim, you’ll be given a claim number that will allow you to track your claim progress. You’ll need to schedule a professional assessment of your vehicle damage before repairs can be made.

If you use the mobile app’s Accident and Roadside Support component at the accident, the information will automatically populate when you submit the claim form online.

After the assessment, the Liberty Mutual agent may get in touch with other drivers, witnesses, and passengers to record their account of what happened and request any police reports.

If Liberty Mutual approves your vehicle estimate and covers your claim, the claims representative will work directly with your repair shop. Usually, carriers submit payment straight to the repair shop, but you could receive a bank payment or check.

Premiums Written

At this point in our review, you already know that the carrier has been highly rated by multiple rating entities for its strong position to fulfill its ongoing financial obligations.

The premiums a company writes is another excellent measuring stick to assess the financial stability of a company. After all, if a carrier is seeing a decline in premiums written, this could spell trouble for investors in the future.

Take a look at the table below to see the number of premiums written by Liberty Mutual between 2015 and 2018.

The data our research team gathered spells a continued bright future for Liberty Mutual. The company’s written premiums increased steadily during these three years, with a total increase of $2.3 billion between 2015 and 2018.

Loss Ratio

Likewise, a carrier’s loss ratio is another strong indicator of its financial position and creditworthiness. If a company continues to pay more in claims than what it’s earning back in written premiums, this is bad news for any insurer.

Let’s see what the data shows in the table below.

Loss ratios consistently exceeding 100 percent mean a company steadily losing money – but no such worries for Liberty Mutual.

The company’s loss ratio between 2015 and 2018 was well within the normal range, even though it increased slightly in 2016 and 2017 before dropping to its lowest point in 2018. Long story short, the data shows that Liberty Mutual is paying a healthy proportion of claims compared to what it’s earning back in written premiums.

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How to Get a Quote Online

If you’re ready to take the next step after reading this Liberty Mutual auto insurance review, you won’t want to miss this step-by-step guide to accessing your online quote.

Before you start your quote, you’ll want to have the following handy:

• Your date of birth
• Contact information (phone number, address, etc.)
• Social Security Number
• Vehicle information for any cars you want to get a quote for

Step #1: Open the Liberty Mutual Website in a New Browser

Start by opening up the Liberty Mutual website in a new browser window. Click on the “Auto” icon to start your quote.

Step #2: Enter Your ZIP Code

Next, you’ll be directed to a page where you’ll be prompted to enter your ZIP code. You can also select other policy options to bundle for enhanced savings. Enter your ZIP code in the box and click the Get My Price button to continue.

Step #3: Fill in Your Address

Now, you’ll need to enter some personal details. Plug in your street address, double-check that you’ve entered the information correctly, then hit Save and Continue to proceed.

Step #4: Complete Your Personal Details

You’ll be directed to the next page to fill in your full name, date of birth, and email address where a copy of your quote will be sent. Fill in your details then hit Save and Continue to proceed.

Step #5: Confirm Vehicle Information

At this point, you’ll be directed to a page populated with potential vehicles you’d like to get a quote for, based on the address you submitted earlier. You also have the option to add more vehicles if desired.

Select one or more boxes from the list of any vehicles generated and/or add more vehicles. Select No if you don’t want to add any additional vehicles. Then, hit Save and Continue.

Step #6: More About Your Vehicle

Depending on the vehicles you selected, the next page should look something like this.

Any discounts you might be eligible for would be generated and you can select features that would enhance your discount opportunities.

You’ll also need to confirm whether the car is owned, financed, or leased, the annual mileage, and the address the vehicle is kept at before hitting Save and Continue.

Step #7: Save with RightTrack^® Option

You’ll be prompted to enroll in the RightTrack^® program, to which you can select Yes, Sign Up and Save! or No Thanks. Select your preference, then hit Save and Continue.

Step #8: Add the Drivers in Your Household

Based on the information generated by the address you enter, you’ll be prompted to add other drivers in your household to the quote. Select the appropriate information or remove people from the quote as needed. You can also add another driver.

Once you’re finished, hit Save and Continue.

Step #9: Add a Few More Driver Details

Based on the selections you made, you’ll need to fill in additional driver details for each person, including their phone number, age first licensed, accident history, and more.

Fill in all relevant details, then select Save and Continue.

Step #10: See What Discounts You Qualify For

This is where you’ll find out what discounts you could qualify for. Answer the prompts provided then hit Save and Continue to navigate through to the next page.

Step #11: Your Current Insurance

Fill in details regarding your current insurance, including whether you already have a policy with Liberty Mutual and when you want your new policy to start.

Once finished, hit Save and Continue.

At this point, the website will generate your estimated quote, with potential discounts and features. You can find out what’s included and finalize your price or keep shopping around.

Design of Website and App

Whether you want to get a quote, file a claim, or simply get answers to a burning question, you need to be able to easily navigate an insurance carrier’s website and mobile app to find the information you need with ease.

How does Liberty Mutual fare in terms of its website and mobile app? Keep reading and you’ll find out.

Website

If you go to www.libertymutual.com, you’ll be directed to the company’s homepage as shown above. The website is very straightforward and easy to navigate. At the top of the page, you can select a product if you’re interested in getting a quote.

You can also click on the drop-down menus above to shop for insurance, access customer support information, claims, and resource pages.

At the very bottom of the page, you can click to various pages including Terms and Conditions and different insurance product pages.

How easy can you find answers?

It’s easy to click through to various pages and find the answers you need. If you do have a question but aren’t sure where to look, hover your mouse over the “Customer Support” dropdown menu as shown in the image below.

Under the Find Answers menu, you can click through to the FAQ, customer support, and billing and payment options pages.

Is the design a plus or minus?

Liberty Mutual’s design is colorful and eye-catching, but most important of all, it’s user-friendly and straightforward to navigate. The large icons, well-laid-out boxes, and drop-down menus make finding the answers you need quick and efficient.

Mobile App

Liberty Mutual’s mobile app, available on the App Store and Google Play Store, makes handling all your crucial policy concerns and accessing vital information effortless. But, just what can you do with this mobile app?

Here are some of the actions you can complete on your mobile device from anywhere:

• Pay your bill
• Access ID cards and policy documents
• Update your contact, billing, and policy information
• File a claim or manage an existing claim
• Upload photos for your car repair
• Request roadside assistance

How easily can you manage your account using just the app?

As you’ve probably gathered from the list above, you can take care of most of your primary insurance needs from anywhere via the mobile app.

The Android version of the app has a 4.6-star review on Google Play, based on over 4,000 reviews. Clearly, reviews are mostly positive. Some users did note issues with the screen freezing or being unable to edit policy information.

As for the App Store version, the Liberty Mutual app has a 4.8-star rating, based on 27,500 ratings. You can use the app on an iPhone or iPad with ease.

Is the design a plus or minus?

With clearly labeled selections and menu options on the app, you can click to your policy information, vehicle details, ID card, and more in seconds.

Based on the overwhelmingly positive reviews the app has garnered both on Google Play and the App Store, users generally seem to be more than pleased with the design.

Pros and Cons

We’re not finished yet. Check out the table below for a quick recap of the pros and cons of our Liberty Mutual auto insurance review to help you determine the best way forward for your insurance needs.

So, what’s the bottom line? Liberty Mutual has largely strong insurance ratings, an easy-to-navigate website, a highly-rated mobile application, and excellent coverage, program, and discount selections.

Liberty Mutual’s rates are among the highest in the insurance market when compared to other top competitors by market share. Still, the company’s steady increase in premiums written in recent years makes it clear that this hasn’t been a deterrent for a large number of consumers.

The research shows that the company certainly has work to do in the area of customer service, with largely mixed reviews and a high incidence of consumer complaints that indicate results below the industry-wide average.

Liberty Mutual’s secure financial position makes it a worthy contender for insurance consumers. Still, you’ll likely want to take advantage of the most discounts possible, or you could find yourself paying a steep annual insurance bill.

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