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Liberty Mutual Auto Insurance Review: Customizable Plans at Competitive Rates

Review Updated
Dana George
By: Dana George

Our Insurance Expert

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

This auto insurer is a good fit for: Drivers looking for a company with a storied history and the ability to customize auto insurance. Liberty Mutual has been around since 1912 and offers plenty of driver discounts.

Liberty Mutual

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Best for customizable insuranceLiberty Mutual
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3.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Full Liberty Mutual auto insurance review


  • Financially stable
  • Customizable plans
  • Growing access to digital services
  • Multiple discounts


  • Poor customer satisfaction ratings
  • Credit-based insurance score drives up premium rates for drivers with poor credit

Liberty Mutual auto insurance at a glance

Monthly premium costs (as of 2022):

  • 35-year-old female with clean driving record: $187.00
  • 35-year-old male with clean driving record: $192.00
  • 35-year-old female with one accident: $200.00
  • 18-year-old male with clear driving record: $400.00

Coverage options:

  • Comprehensive
  • Collision
  • Liability
  • Rental car reimbursement
  • Uninsured/underinsured motorists
  • Medical payments
  • Roadside assistance
  • Rideshare (available in select states to Uber and Lyft drivers)
  • New car replacement
  • Better car replacement
  • Gap coverage
  • Original parts replacement

Top perks

Financially stable

AM Best Rating Services gives Liberty Mutual an "A" rating for its ability to meet ongoing contractual obligations.

Customizable plans

Liberty Mutual offers several basic coverage packages and dozens of add-ons, meaning drivers can pick and choose what's important to them.

Growing access to digital services

The insurer offers online and mobile services, making it easy for customers to make claims and changes to their policies.

Multiple discounts

Liberty Mutual offers a full range of car insurance discounts, designed for everyone in the family -- from teenagers to experienced drivers. There's also a 12% discount for anyone who signs up for their policy online.

What could be improved

Poor customer satisfaction

According to J.D. Power's Customer Satisfaction Index Rating, Liberty Mutual receives middling-to-poor scores from their customers. In addition, hundreds of customer reviews left on the BBB site give Liberty Mutual a rating of 1 out of 5 stars.

The weight of credit-based insurance score

Hitting a rough patch financially does not necessarily mean that a driver is less safe or more likely to make insurance claims. Yet, insurers like Liberty Mutual pull a credit score similar to those provided by FICO as part of their pricing. The lower the credit score, the higher the premium.

Alternatives to consider

If you have a strong driving record and preference for technologically savvy insurance companies: You may be able to save money by working with Root Auto Insurance, one of the most innovative insurers in the business. Whereas most traditional auto insurance companies base your rate on things like age, marital status, where you live, and credit score, Root cares primarily about how you drive. In fact, its app uses mobile technology to measure your driving habits, and if you are a good driver, it rewards you with a lower rate.

If you're looking for an excellent customer service experience: You may prefer Allstate over Liberty Mutual. In addition to innovative protection packages, Allstate offers customer-centric service, meaning it prioritizes your satisfaction. Customer service is one of the many reasons Allstate has some of the highest customer satisfaction ratings in the business.

Monthly premium costs

Some Liberty Mutual customers are drawn by the option of customizing their insurance experience. Others want the security of a company as financially secure as Liberty Mutual. Whatever a person's reason for choosing Liberty Mutual, it does offer competitive rates.

35y, female, clean record 35y, male, clean record 35y, female, one accident 18y, male, clean record
$187.00 $192.00 $200.00 $400.00
Data source: The Ascent's analysis of standardized personas. 2022 rate data

Discounts available

Liberty Mutual offers a wide range of discounts, including:

  • Claim-free
  • Violation-free
  • Early shopper (before a driver's current policy expires)
  • Military
  • Homeowner
  • Good student
  • Student away at school
  • Multi-policy
  • Multi-vehicle
  • Preferred payment
  • Pay-in-full
  • Online policy purchase
  • RightTrack

Coverage options

Policy types

  • Motorcycle
  • Boat
  • Motorhome
  • Off-road vehicle
  • Antique car

Coverage types

  • Comprehensive
  • Collision
  • Liability
  • Rental car reimbursement
  • Uninsured/underinsured motorists
  • Medical payments
  • Roadside assistance
  • Rideshare (available in select states to Uber and Lyft drivers)
  • New car replacement
  • Better car replacement
  • Gap coverage
  • Original parts replacement

Customer service and ratings

J.D. Power breaks their customer satisfaction surveys down into 11 regions. Its 2022 survey indicates that Liberty Mutual ranks near the bottom in eight out of the nine regions it appears in, making it clear that customer service is not one of the company's strengths.

This auto insurer is best for:

Liberty Mutual could be a good fit for drivers who:

  • Want a customizable auto policy
  • Are looking for a financially secure insurer
  • Like the idea of being able to make a mobile claim

Liberty Mutual offers competitive rates, but also bases those rates on credit score. If a driver has a strong driving record, they may want to take a look at Root Auto Insurance instead, or Allstate if they value high customer service and satisfaction ratings.

Our Insurance Expert