Insurance » Auto Insurance Reviews » Liberty Mutual Car Insurance: 2022 Review
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Liberty Mutual Car Insurance: 2022 Review

The Liberty Mutual Insurance Auto policy is known for its affordable coverage prices and numerous discounts. Should you consider it?
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Mann (Silvermann) is an experienced investor, financial expert and founder of The Smart Investor. Above all, he is passionate about teaching people how to manage their money and helping millions on their journey to a better financial future.

Review & Fact Check: Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Mann (Silvermann) is an experienced investor, financial expert and founder of The Smart Investor. Above all, he is passionate about teaching people how to manage their money and helping millions on their journey to a better financial future.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Mann (Silvermann) is an experienced investor, financial expert and founder of The Smart Investor. Above all, he is passionate about teaching people how to manage their money and helping millions on their journey to a better financial future.

Review & Fact Check: Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Financial Expert, The Smart Investor CEO

Experience

Baruch Mann (Silvermann) is a financial expert and founder of The Smart Investor. Above all, he is passionate about teaching people how to manage their money and helping millions on their journey to a better financial future.

You can trust the integrity of our unbiased, independent editorial staff. We may, however, receive compensation from the issuers of some products mentioned in this article. See how we make money.

Liberty Mutual Car Insurance Review

The Liberty Mutual Insurance Auto policy is known for its affordable coverage prices for high risk drivers and numerous discounts; this may be why it has a sixth-place largest insurer ranking. It provides several coverage options to select from, for you, for others, and your automobile. 

Some of the packages are standard benefits that come with the policy, while some are additions for a price. This coverage includes vehicle, liability, medical, uninsured driver, car replacement, and reimbursement. 

Soldiers and school students are entitled to some discounted packages, as are cars and driving methods. Compared to many other insurance companies, Liberty Mutual has a relatively lower customer care satisfaction ranking.

Auto Insurance Premiums For High Risk (geico, allstate, progressive, state farm, liberty mutual)

* Estimated premiums, based on our research. Your actual rate depends on your unique personal details.

Benefits

 The mobile application is very handy for when you need to manage your policy affairs anytime and anywhere. It provides well thought out and catchy features like roadside support, enabling you to take instant pictures after experiencing an accident or make an emergency call for services.

 LMI has a high standard financial rating, which gives customers a strong guarantee of payment on insurance claims when the need arises. This rating gives the company a good financial security feature and a strong ability to fulfill its financial obligations.

Liberty offers better premiums for high risk drivers – those who had an in fault accident or DUI.

Liberty Mutual provides its drivers with two types of telematics apps.

RightTrack is the insurer's first mobile application. It recognizes and rewards drivers for their safe driving abilities. You may also be eligible for a 30 percent discount at the end of the 90-day participation period, depending on your driving abilities.

ByMile is the name of Liberty Mutual's second app for drivers. It is a mileage-based billing system designed for drivers who use their vehicles infrequently. The app, according to the insurer, can save you up to 25% off your annual auto insurance premium.

LMI makes provisions for lots of coverage options for customers to pick. They have policies specific to different and all classes of people in society, ranging from different age groups to different jobs and professions.

If you're not sure what you need – you can always ask your company.

Limited Mutual Insurance has a variety of discounts. Its numerous discount offers one of this operation's major selling points. They provide for several discount prices that come at little to no cost to the customers.

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Drawbacks

Liberty Mutual has a below-average NAIC index rating, showing it received more complaints than the average insurer in the industry.

Single car owners may be subject to fairly high rates compared to those with several insured cars. The bigger your policy, the better your rate; full coverage policy rates are cheaper than half or partial Coverage.

BBB Rating

A+

NAIC Index

Below Average
liberty-mutual logo
liberty-mutual logo
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Better Business Bureau

BBB assigns ratings from A+ (highest) to F (lowest). BB ratings are based on information in BBB files with respect to factors such as the business's complaint history with BBB, type of business, time in business, transparent business practices, and more.
A+

NAIC Complaint Index

The Complaint Index shows how a company compares to other companies if it has an average number of complaints for the premium it wrote, a company will get an index score of 1.0.
0.96

JD Power

Below Average

PROS

CONS

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Coverage Options

This company provides for three standard categories of coverage, including:

  • Medical Payments Coverage: This package covers medical bills resulting from your car accident, irrespective of who caused the accident. It also covers the immediate treatment of all passengers involved in the accident in this package. The standard provisions are; medical bills, legal fees, and costs of bereavement. 
  • Body Injury Liability Coverage: The policy provides passengers present in the car at the time of the accident with coverage under the bodily injury liability for any generated costs resulting from the accident. This standard package includes; medical bills, suspended income, legal fees, and costs of bereavement.
  • Property Damage Coverage: This standard package covers any damage done to a motorist's car. The insurance company decides to repair or replace the driver’s car.

LMI Car Insurance provides for tons of optional insurance packages in addition to the standard ones. They include: 

  • Uninsured Motorist Coverage: This plan covers the medical expenses for any injury resulting from a collision with an uninsured motorist.
  • Personal Injury Protection Coverage: It also covers any additional expenses for your extended well-being beyond when the accident occurred.
  • Collision Coverage: The covers repair expenses for damage done to your car by colliding with another automobile or object.
  • Comprehensive Package: This plan oversees damage expenses suffered by incidents other than collision, such as fire outbreak, animal hit, vandalism, robbery, etc.
  • Liberty Mutual Deductible Fund: Clients pay extra charges to lower their deductibles by a hundred dollars every year.
  • Lifetime Repair Guarantee Plan: The corporation seeks out a marked and approved automobile repair institute for your car accidents.
  • New Car Replacement Package: When your new car gets wrecked, you will be provided with money to purchase a brand new one with the same value.
  • Teachers Car Insurance: One of the unique plans provided by Liberty Mutual Insurance to teachers – it provides additional protection for damages caused by theft, collision, or vandalism perpetrated on school grounds.

Customer Satisfaction Ratings

Liberty Mutual
NAIC’s Index The Complaint Index Ratio Table shows consumer complaints filed with the Department of Insurance. Above average rate means a less complaints than the median while below Average means higher complaints compared to other insurers
Below Average
BBB The BBB rating system relies on an A+ through F letter-grade scale. The grades represent BBB's degree of confidence that the business is operating in a trustworthy manner and will make a good faith effort to resolve any customer concerns filed with the BBB.
A+
JD Power J.D. Power rankings are your guide to finding which products or services ranked highest in J.D. Power Consumer Studies. All rankings are based on the opinions of a sample of consumers from a variety of industries who have used or owned the product or service being rated
Below Average
AM Best AM Best assigns credit ratings that evaluate an insurance company's creditworthiness, or the probability that the company will default on its obligations.
A
iOS App
4.8
Android App
4.7

According to the NAIC index rating, Liberty Mutual's performance on customer complaints was below average. As a result, Liberty Mutual received more complaints than the industry average. In terms of BBB Rating, Liberty Mutual has an A+, indicating that they are financially stable and will be able to meet their obligations.

According to JD Power ratings, Liberty Mutual has a below-average rating, indicating that customers are dissatisfied with the insurer's services, such as claims handling. Liberty Mutual, on the other hand, has an A+ rating from AM Best.

Liberty Mutual mobile applications on both IOS and Android platforms perform admirably, with 4.8 and 4.7 ratings on IOS and Android platforms, respectively.

Liberty Telematics Apps: Right Track & ByMile

Liberty Mutual offers two types of telematics apps to its drivers. RightTrack is the insurer's first app. It rewards drivers for their safe driving abilities. The insurer offers you a sign-up bonus. Depending on your driving abilities, you may also be eligible for a 30% discount at the end of the 90-day participation period.

ByMile is the name of the second app provided by Liberty Mutual to drivers. It is a mileage-based billing system that is suitable for drivers who use their cars infrequently because they either work from home or drive short distances. According to the insurer, the app can save you up to 25% off your annual auto insurance premium.

How to Get a Quote on Liberty Mutual?

Step 1:

Visit www.libertymutual.com and click on the option to ”get a quote”; you will be required to submit your zip code to get your price.

Liberty Mutual - How to file a claim 1

Step 2: 

Then, you will get to fill in your address details, followed by your name, date of birth, and email address. Click “save and continue” to move forward in your application process.

Liberty Mutual - How to get a quote 1

Step 3: 

You will need to add details of the vehicle intended for insurance, such as; year, make, model, trim, body style, year of purchase, ownership, usage, and estimated annual mileage. Click “save and continue” to proceed.

Liberty Mutual - How to get a quote 3

Step 4: 

Now, you will be required to add all potential drivers except those already insured. Click “save and continue”.

Step 5: 

For the next step, you’ll move on to include more drivers’ details like employment status, occupation, phone number, residence and ownership, mobile number, education level, offshore driver's license, and previous accidents, violations, or claims. Click “save and continue.”

On to the company's discounts, you have access to different discounts based on attended college or university, employer-company, and professional association of drivers included in your policy. After filling these details, click “save and continue.”

Voila! You should have a quote appear on your screen as “Your estimated price” with an option to finalize. To finalize the vehicle information, you are required to impute Vehicle Identification Number, Anti-theft Device, and Mileage.

How to File a Claim?

Filing a claim online with Liberty Mutual insurance is fast and easy, with a completion time of under ten minutes.

Visit the website and proceed to the claims center; you will see options to “file a claim” or “track a claim.” Click to file.

You have two options to select from; to file as a customer or file against a customer. You will need to provide your account log-in details to file your claim.

Here are some of the crucial information to be provided to make a successful claim:

  • Your type of insurance policy
  • Date of the accident
  • Your policy number
  • What ensued and the degree of damages done.
  • Your car maker, year, and model

The company provides for customer call phone lines and online service, both of which are open twenty-four hours, seven days a week to report any claim.

Auto Insurance Discounts

LMI provides for several discount offers. They give incentives to motorists who qualify for the discounts. Some discounts are general, some specific to different classes of people, and some varying according to different state policies. 

These discounts are helpful ways to save money and make affordable insurance claims.  Here is a list of some of the auto insurance discounts offered to specific groups of people by Liberty Mutual Car Insurance: 

DiscountHow do you receive it?
HomeownerOwn a home to qualify for a savings discount
MilitaryBe an active or retired member of the U.S. military.
Good studentsStudents with a GPA of B and above.
Anti-theft DeviceIf you have installed an anti-theft device in your vehicle
Accident-freeA no-accident driving record qualifies you for savings.
Violation freeIf you have never violated a driving rule, you get a reward.
Right trackEnrollment and participation in the Right Track program.
Multi-carInsure multiple cars with the company.
Pay-in-fullOnce and for all payments for coverage.
Paperless PolicyMake payments via transfer or any online methods.

Liberty Mutual FAQs

The Liberty Mutual Car Insurance is one of the Liberty Mutual Group's insurance packages, an American corporation established in 1912 with its headquarters located in Massachusetts. It is a global and multinational operation with about a thousand offices scattered home and abroad, run by 50,000 people. 

It is a hugely successful USA Corporation that offers services in the fifty states by providing various insurance services, including automobiles. They have an effective online service for users to generate quotes and make claims.

Liberty Mutual is one of the largest insurance providers in the US, but this isn’t the reason why it is not the cheapest auto insurance option. In fact, Liberty Mutual offers some useful features such as lifetime repair guarantees and accident forgiveness that can be included in your policy. Additionally, Liberty Mutual offers access to support online, by phone and in person should you encounter a problem.

Liberty Mutual car insurance is available across all 50 states. However, the coverage and insurance minimums do vary in each state, so you may find some coverage options are not available in your area. Fortunately, Liberty Mutual can help you to check the policies that meet the minimum coverage requirements and tailor your policy with add ons to ensure it satisfies your requirements.

Liberty Mutual has an excellent reputation within the insurance industry and offers customers access to some excellent discounts and innovative features. Additionally, Liberty Mutual has an easy to use app that allows claims filings in less than 10 minutes and provides access to 24/7 support. While it may not be the cheapest option on the market, if you’re looking for complete coverage and great insurance features, Liberty Mutual may be the best place to get your car insurance.

While Liberty Mutual offers coverage across all 50 states, Mercury Auto only operates in 11 states. Additionally, Mercury Auto specializes in offering basic coverage, which can be limited for most drivers. This is where Liberty Mutual has the edge over Mercury Auto. This insurer has far more policy options, add ons and innovative features.

So, although Liberty Mutual may not be the cheaper option, it certainly offers far more coverage options, so you can find a policy that meets your specific requirements.

Like Geico, Liberty Mutual operates across the US, providing access to its products and services across all 50 states. However, Liberty Mutual is certainly not the cheapest option on the market. This is a large insurance provider that markets to those looking for more comprehensive coverage. This does mean that you can get a lot more extras included in your policy.

However, if you’re looking for the most cost effective solution that meets your car insurance needs, Geico is likely to be the better option for you.

Unlike Nationwide, Liberty Mutual is available in all 50 states, but the coverage options and policy features can vary from state to state.

As with Nationwide, Liberty Mutual has an excellent reputation for dealing with claims. In fact, you can use the Liberty Mutual app to file a claim in less than 10 minutes and access 24/7 support. However, this does come at a cost. Liberty Mutual is considered to be one of the more costly car insurance options, so you are likely to find that Nationwide offers a better deal without compromising on customer support.

Like USAA, Liberty Mutual operates across all 50 states. This is an established insurer with an excellent reputation. One advantage of Liberty Mutual is its innovative features and claims process. The Liberty Mutual app is easy to use and can expedite claims filing, so you can file in less than 10 minutes. However, this level of service does come at a cost.

USAA is a more specialist insurer exclusively available to those in military service, veterans and their families. So, if you fit into this group, you are likely to find USAA more affordable, with packages that are better tailored to your needs.

Find Alternative Car Insurance Providers

State_Farm_logo
liberty-mutual logo
Progressive_logo
Best For
Customer Service
High Risk Drivers
Telematics App
Telematics App Telematics is a method of measuring your driving. It's a black box or a mobile phone app that tracks how fast you drive, how quickly you brake, and whether you're a safe driver in general. It's frequently used to assist young or inexperienced drivers in obtaining lower-cost auto insurance.
Drive Safe & Save
RightTrack & ByMile
Progressive's Snapshot program
Mobile App Rating
4.8/5 on iOS, 4.6/5 on Android
4.8/5 on iOS, 4.7/5 on Android
3.5/5 on iOS, 4.1/5 on Android
NAIC’s Index The Complaint Index Ratio Table shows consumer complaints filed with the Department of Insurance. Above average rate means a less complaints than the median while below Average means higher complaints compared to other insurers
Above Average
Below Average
Average
JD Power Rating J.D. Power rankings are your guide to finding which products or services ranked highest in J.D. Power Consumer Studies. All rankings are based on the opinions of a sample of consumers from a variety of industries who have used or owned the product or service being rated
Above Average
Below Average
Average

Review Auto Insurance Companies

Compare Alternatives

When it comes to price, different discount offers, and overall satisfaction, Allstate is the better option. If you have been in an at-fault accident or received a speeding ticket, Liberty Mutual may be a good option for you because their rates are lower in that area.

Read Full Comparison: Allstate vs Liberty Mutual: Which Car Insurance Suits You Best?

If you're looking for the best auto insurance rates, GEICO is the company to go with. Additionally, the insurer provides more discount options for drivers to save money on annual auto premiums. Liberty makes up for higher rates with more coverage options, a better user experience in mobile apps, and mileage-based rates if you drive less frequently.

Read Full Comparison: GEICO vs Liberty Mutual: Choose The Right Car Insurance For You

When comparing Liberty Mutual and Farmers, you must consider various factors such as rates, discounts, coverages, customer satisfaction, mobile applications, and telematics apps to determine which of the two provides the best value for your auto insurance.

Read Full Comparison: Liberty Mutual vs Farmers: Which Car Insurance Company Wins?

Progressive is a good choice for customers looking for a low-cost plan that will keep them on the road and provide protection without the high costs. Liberty Mutual is an excellent choice for first-time teen drivers and those facing a DUI. They do have a lower customer satisfaction rating. Their prices do, however, rise as they age. It is now up to you to determine what is best for you.

Read Full Comparison: Progressive vs Liberty Mutual: Which Car Insurance Is Better?

For people with bad credit, Liberty Mutual offers more discount options, more unique coverage, and lower rates. State Farm excels at customer service, and its ability to meet insurance obligations is flawless.

Read Full Comparison: State Farm vs Liberty Mutual: Which Car Insurance Suits You Best?

Liberty Mutual, on the other hand, outperforms Travelers in terms of the variety of coverages it provides and its mileage-based telematics app, which can save you up to 30%. If you want to save the most money on your car insurance, you should consider purchasing a Travelers policy.

Read Full Comparison: Liberty Mutual vs Travelers: Which Car Insurance Company Is Better?

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Methodology

Our expert review team gathers data from many auto insurance providers in order to create rankings and estimate rates. 

Financial Stability: We analyzed each company based on industry benchmark ratings (summary table can be seen under “customer satisfaction” section) . Although insurance marketplaces do not have financial strength ratings they can still be useful tools for drivers who are looking for premiums at competitive rates. If you are looking for an insurer that doesn’t underwrite your policies, be sure to check the rating of the partner company. 

Coverage: Which types of insurance are available, their maximum coverage limits and any add-on policies. We also consider exclusions that are applicable to certain drivers.

Cost and Discounts: We review auto insurance rates estimates for many drivers across every state. The best scores are awarded to companies that offer lower rates and have many discount options for car insurance. You can lower your insurance premium by qualifying for any driver discounts. 

The discount percentages offered vary depending on where you live and some companies restrict the amount of discounts that can be applied to your premium. We looked at the discounts offered in the various companies that we reviewed. Many allow you to combine different insurance policies to save on premiums. There are many savings options for drivers shopping for car insurance. These include discounts based on the type of car, profession, driving record, and other factors. Companies that offer a variety of options could lead to a lower premium for drivers were favored by us.

Customer Service: We review customer feedback and reviews from J.D. Power. Data such as market share, complaints to the National Association of Insurance Commissioners for private passenger car insurance (2021) and overall ratio of those complaints to the industry average. 

In order to provide accurate and neutral information to our readers, our expert review team collects data from dozens of car insurance providers. Vehicles used include the 2017 Hyundai Sonata, 2017 Toyota Corolla, with annual mileage ranging from 10,000 and 20,000. We analyzed five credit tiers (excellent, good, very good, fair, and poor) and four types of people in different age groups. Lastly, we divided drivers to 4 categories based on safety history: Clean driving records, one at fault accident, one speeding violation, and one DUI.

We took into account parameters such as companies mobile apps, advanced online services, and telematics make it easier for auto insurers to respond to consumer needs. Many providers offer support via phone, email and agents. Some even offer live chat and 24/7 support via phone, email, or mobile app, while some provide social media responsiveness during weekends and after-hours hours.