Overview of Liberty Mutual Car Insurance

The company’s logo is an image of the Statue of Liberty, but Liberty Mutual is better known for its “Only Human” advertising campaign that shows people making mistakes that result in car accidents. More recently, Lady Liberty serves as the backdrop to ads praising coverage options like accident forgiveness and new car replacement. The ads have helped Liberty Mutual become the seventh largest auto insurance company in the country, with a market share of nearly five percent.

How Does Liberty Mutual Car Insurance Rate?

Consumer Satisfaction Rating

These ratings are from the J.D. Power 2015 U.S. Auto Insurance Claims Satisfaction Study. The highest score for each category is five stars. The Liberty Mutual Insurance Company subsidiary rated here may not be the subsidiary that underwrites your insurance policy. Check with your insurance agent for more information.

Overall Satisfaction
First Notice of Loss (FNOL)
Service Interaction
Appraisal
Repair Process
Rental Car Experience
Settlement
(how well company settles claims)
Customer Complaint Ratio

The National Association of Insurance Commissioners (NAIC) collects complaint information from state insurance regulators. The national median complaint ratio is 1. A score of less than 1 means a company has a lower than average number of complaints, while a score higher than 1 means it has more than average. The Liberty Mutual Insurance Company subsidiary rated here may not be the subsidiary that underwrites your insurance policy. Check with your insurance agent for more information.

Last Updated: September 2016

Financial Strength Rating

A Best’s Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company’s financial strength and ability to meet its obligations to policyholders. View our Important Notice: Best’s Credit Ratings for a disclaimer notice and complete details at http://www.ambest.com/ratings/notice.

Financial Strength is rated on a scale of D (poor) to A+ (superior). A rating notch of either a second “+” or a “-“ indicates the gradation of financial strength within the category. We can’t guarantee that the subsidiary of Liberty Mutual Insurance rated here is the subsidiary that will underwrite your insurance policy. Check with your insurance agent and review A.M. Best’s Financial Strength Rating Guide for more information.

Best’s Credit Ratings™ are under continuous review and subject to change and/or affirmation. For the latest Best’s Credit Ratings™ and Best’s Credit Reports which include Best’s Credit Ratings™), visit the A.M. Best website at http://www.ambest.com. See Guide to Best’s Credit Ratings™ for explanation of use and charges.

Best’s Credit Ratings™ reproduced herein appear under license from A.M. Best and do not constitute, either expressly or impliedly, an endorsement of MoneyGeek.com or its recommendations, formulas, criteria or comparisons to any other ratings, rating scales or rating organizations which are published or referenced herein. A.M. Best is not responsible for transcription errors made in presenting Best’s Credit Ratings™. Best’s Credit Ratings™ are proprietary and may not be reproduced or distributed without the express written permission of A.M. Best Company.

Source A.M. Best
Rating A

Effective Date: March 2017

Website Features
  • Rate calculator
  • Mobile app
  • Pay bill online
  • Make claim online

Pros and Cons of Liberty Mutual Car Insurance

Pros

  • The telematics discount program only requires that the monitoring device be installed in your car for 90 days, one of the shortest timeframes in the industry.
  • Liberty Mutual will consider writing policies for drivers who need an SR-22 (a certificate of insurance for high-risk drivers).
  • The auto policy is written for a 12-month period rather than having a six-month renewal, reducing the frequency of potential rate increases.

Cons

  • Liberty Mutual recently moved all service representative roles from local offices to national centralized call centers. If you visit the office for help, you’ll be placed on a phone call to an off-site representative.
  • Rates can be fairly high if you don’t fit into the company’s target demographic of a multicar homeowner household.
  • The company has a relatively high customer complaint score of 3.09, compared to the median score of 1.

Liberty Mutual Car Insurance Coverage

Liberty Mutual’s auto insurance is aimed at the lower-risk, stable driver. Higher-risk drivers might find a better fit at the company’s subsidiary, Safeco. If you aren’t eligible for one of Liberty Mutual’s affinity discounts, the rates can be high, but they do offer extras, some of which are included at no additional cost.

The standard coverage options at Liberty Mutual allow you to choose from a fairly wide range of limits, which means that you can customize your policy to fit both your budget and your needs.

Bodily injury liability

Liberty Mutual offers a range of BI coverage limits, from the state minimums on up to $250,000/$500,000. For coverage higher than this, you have to purchase their umbrella policy, with limits beginning at $1 million.

Property damage liability

The online quote tool will recommend a level for the property damage liability coverage, but you can adjust it to suit your needs, from the state minimum on up.

New car replacement

New car replacement is usually optional, but Liberty Mutual includes it as standard coverage for brand new vehicles that are totaled, as long as the car is less than one year old and has less than 15,000 miles on it.

Medical payments

Liberty Mutual’s med pay coverage is fairly broad. In addition to covering costs from an accident in your car, it covers medical costs incurred by family members who are in an accident in another car or injured as a pedestrian.

Comprehensive

The online quote system will assess the age of your car and default to no comprehensive coverage if it determines the coverage is not recommended. But you can always add it if you want, and you can select a deductible from $0 to $2,500.

Collision

You have to have comprehensive in order to purchase collision coverage, which is available from a $50 deductible up to $2,500.

Auto recall notification service

If there is a manufacturer recall related to your car, Liberty Mutual will notify you.

Accident forgiveness

Another feature that is usually included in the optional coverages, Liberty Mutual will apply accident forgiveness to your policy automatically and at no cost when you have a history of five years of driving with no incidents.

Liberty Mutual has a good selection of coverage available. Some you would expect from any reputable auto insurer, but others are unique, such as special features for teachers or the deductible fund coverage.

Better car replacement

With this option, if your car is totaled, Liberty Mutual will pay for replacement with a vehicle that is one year newer and has 15,000 fewer miles than your original car.

Rental car reimbursement

This coverage comes in options of $30, $45, $60 or $90 per day, up to 30 days. But you must have comprehensive coverage in order to purchase it.

Towing and labor

The online quoting tool gives you the option of a $50 coverage limit for towing and roadside assistance.

Deductible fund

If this option is included on your policy, it lowers your collision deductible each time you renew your policy.

Teacher’s insurance

If you’re a teacher, you’re eligible for the educator endorsement at no extra cost. It provides extra protection and coverage for your vehicle when parked at school, or for you and your property when you are driving for work.

Available Discounts on Liberty Mutual Car Insurance
Coverage

With a pair of large discount options (affinity membership and telematics program) and a number of smaller discounts that celebrate life events, drivers have lots of options to whittle their premium down.

Type of Discount Description
Multi-policy discount Liberty Mutual also offers home, renters, condo, life and umbrella policies, and bundling with any of these will reduce your auto rate.
Group savings If you are associated with any one of hundreds of groups such as alumni organizations, employers or professional associations, you might be eligible for a sizeable savings.
Preferred payment methods discount If you pay your premium in full or with an automatic payment method, you can get a discount.
New to Liberty Mutual vehicle discount This discount applies to new policies or when you add an additional vehicle to an existing policy.
Vehicle safety features discount Anti-theft features and safety features such as anti-lock brakes will lower your premium.
Hybrid vehicle discount There are special savings for hybrid drivers.
Multi-car discount Add a second (or more) car to your policy and receive a hefty discount.
Teen driver discount Liberty Mutual has special plans to help reduce the high cost of insuring your youthful driver.
Good student discount You must be under 25 and have a B average to be eligible for this discount.
New graduate discount All that hard work at school pays off with auto insurance savings if you have graduated within the past year.
Newly married discount Getting married is another life event that Liberty Mutual rewards with a discount.
New move discount When you move, Liberty Mutual offers you a discount.
Newly retired discount If you retired in the past year, you can have this savings applied to your policy.
RightTrack discount This is Liberty Mutual’s telematics program. If your car is eligible, you can earn a 5 percent savings for participating, and then up to another 25 percent depending on the good driving habits exhibited during the monitoring period.

How to Make a Car Insurance Claim with Liberty Mutual

Liberty Mutual has good claims information on its website. You can file your claim by phone, online, or with their mobile app. Follow the claims process on the status page, or call the 24-hour claims center to stay updated.

How to Contact Liberty Mutual Car Insurance

States Served