Review
Updated
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.
Best for customizable insuranceLiberty Mutual
Rating image, 3.50 out of 5 stars.
3.50/5
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
Pros
- Financially stable
- Customizable plans
- Growing access to digital services
- Multiple discounts
Cons
- 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
Best for people with a good driving recordRoot
Rating image, 2.50 out of 5 stars.
2.50/5
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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= Best
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= Excellent
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= Good
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= Fair
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= Poor
= Best
= Excellent
= Good
= Fair = Poor
2024 Award Winner
Best for low-mileage driversAllstate
Rating image, 4.00 out of 5 stars.
4.00/5
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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= Best
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= Excellent
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= Good
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= Fair
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= Poor
= Best
= Excellent
= Good
= Fair = Poor
When looking for technologically savvy insurance companies: Root Auto Insurance is one of the most innovative insurers in the business. Whereas most traditional auto insurance companies base rates on things like age, marital status, location, and credit score, Root cares primarily about how individuals drive. In fact, its app uses mobile technology to measure driving habits, and rewards good drivers with lower rates.
When looking for an excellent customer service experience: In addition to innovative protection packages, Allstate offers customer-centric service. 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
Dana George has a BA in Management and Organization Development from Spring Arbor University. For more than 25 years, she has written and reported on business and finance, and she's still passionate about her work. Dana and her husband recently moved to Champaign, Illinois, home of the Fighting Illini. And though she finds the color orange unflattering on most people, she thinks they'll enjoy Champaign tremendously.
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We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.
Dana George has positions in Target. The Motley Fool has positions in and recommends Target and Uber Technologies. The Motley Fool has a disclosure policy.