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Liberty Mutual Auto Insurance Review: Customizable Plans at Competitive Rates

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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.

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:

  • 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)

Top perks

Financially stable

Based on 2020 revenue, Liberty Mutual ranks 77th on the Fortune 100 list of largest corporations. 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 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. The company is not accredited with the Better Business Bureau (BBB), but 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 -- particularly in the middle of a pandemic -- 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, their app uses mobile technology to measure your driving habits, and if you are a good driver, they reward 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 they prioritize 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, they do 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.

Discounts available

Liberty Mutual offers a wide range of discounts, including:

  • Accident-free
  • Violation-free
  • Alternative energy
  • Anti-theft device
  • Advanced safety features
  • Early shopper (before a driver's current policy expires)
  • Military
  • Homeowner
  • Good student
  • Student away at school
  • Bundled policies
  • Multi-vehicle
  • Autopay
  • Pay-in-full
  • Online policy purchase

Coverage options

Policy types

  • Motorcycle
  • Boat
  • Motorhome
  • Off-road vehicle
  • Homeowners
  • Condo
  • Renters
  • Life
  • Health
  • Disability
  • Liability
  • Small business

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)

Customer service and ratings

J.D. Power breaks their customer satisfaction surveys down into 11 regions. Their 2020 survey indicates that Liberty Mutual ranks near the bottom in 8 out of 11 regions, 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's credit is less than ideal at the moment, they may want to consider Geico instead. In addition to their more forgiving attitude toward customers with poor credit, Geico has some of the most satisfied customers around.

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