Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Lisa McArdle is an insurance editor who joined the Bankrate team in 2023. She has more than 15 years of experience writing, editing and managing content in a variety of industries, including insurance, auto news and pop culture.
Steve Ellis, CPCU, AIC, MBA, is a 30 year veteran of the insurance industry. His experience extends into training, operations, quality improvement, audit, compliance, claims technology, and data & analytics.
Lisa McArdle is an insurance editor who joined the Bankrate team in 2023. She has more than 15 years of experience writing, editing and managing content in a variety of industries, including insurance, auto news and pop culture.
Steve Ellis, CPCU, AIC, MBA, is a 30 year veteran of the insurance industry. His experience extends into training, operations, quality improvement, audit, compliance, claims technology, and data & analytics.
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At a glance
4.0
Rating: 4 stars out of 5
Bankrate Score
Score breakdown
Auto
Rating: 4.2 stars out of 5
4.2
Cost & ratings
Rating: 3.75 stars out of 5
3.8
Coverage
Rating: 5 stars out of 5
5.0
Support
Rating: 4 stars out of 5
4.0
Home
Rating: 3.8 stars out of 5
3.8
Cost & ratings
Rating: 3 stars out of 5
3.0
Coverage
Rating: 5 stars out of 5
5.0
Support
Rating: 3.75 stars out of 5
3.8
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
About Bankrate Score
Bankrate's take
Policyholders who value digital capabilities and robust discounts over customer and claims satisfaction might consider Liberty Mutual as their company of choice.
Liberty Mutual’s RightTrack telematics program could help you save up to 30 percent on car insurance based on your driving habits
Offers a substantial lineup of homeowners insurance discounts
Ranked below average in both the J.D. Power U.S. Auto Insurance Study
NAIC scores for Liberty Mutual’s home insurance were better than the industry average from 2021 to 2023
New
What’s new with Liberty Mutual?
As of October 1, 2023, Liberty Mutual is no longer offering new or renewal business owners policies (BOP) in California. Policyholders who bundled their small office, retail or restaurant policies with their homeowner and auto policies will receive nonrenewal notices. Liberty Mutual continues to offer other commercial and property and casualty insurance products in California as of publication.
Liberty Mutual also sunsetted about 17,000 fire policies in California between 2023 and 2024 due to a system platform change. The company is retiring some tech that supported older policies written by Liberty Mutual Fire Company and will not renew any existing coverage from this subsidiary. The company clarified that it will still offer fire insurance in California under its Safeco Insurance brand.
Liberty Mutual car insurance review
Liberty Mutual’s car insurance product earned a Bankrate Score of 3.8 out of 5. The company ranked well in terms of mobile app accessibility, financial strength, coverage options and available discounts. It received an above-average rating of 717 out of 1,000 from J.D. Power for auto claims satisfaction.
In our Liberty Mutual car insurance review, we found that the company stands out for offering several uncommon add-ons that may expand your coverage. Its auto insurance options include:
Lifetime repair guarantee: As long as you use Liberty Mutual-approved shops, the company will arrange your repairs and guarantee them for as long as you own your vehicle.
Better car replacement: For older vehicles that are totaled, the insurer may give you enough cash to buy a car one model year newer and with 15,000 fewer miles.
Teachers’ auto insurance: This unique policy for teachers may offer extra coverage related to incidents of vandalism, collisions and personal property damage or losses that occur while at school or driving to and from work. This option is not available in all states.
Mexico insurance: If you are planning to drive into Mexico, you can purchase special coverage from MexPro through Liberty Mutual. Standard auto insurance policies are not valid in Mexico.
Pros and cons of Liberty Mutual car insurance
When looking for the best car insurance, it may be important to consider more than one carrier, as not all companies are the right fit for every driver. Consider this review of Liberty Mutual car insurance pros and cons to help you compare car insurance companies:
Pros
Special coverage through MexPro available for drivers taking their car to Mexico
Above-average score in J.D. Power’s 2024 U.S. Insurance Digital Experience Study for service
Numerous discounts available to help save on premiums
Cons
Below-average score in J.D. Power’s 2024 U.S. Insurance Digital Experience Study for shopping
Higher-than-average number of complaints registered with the NAIC for private passenger auto insurance
Below-average scores in regions of the J.D. Power 2024 U.S. Auto Insurance Study where it was scored
Liberty Mutual car insurance cost
As average rates for Liberty Mutual car insurance policies are not available, the best way to gauge how much a policy with the carrier might cost you is to reach out to the company for a quote or start a quote online. When doing so, it could be helpful to know the national average cost of car insurance to have a better idea of how Liberty Mutual’s rates compare. Currently, the national average for full coverage is $2,685 while minimum coverage averages $800.
Liberty Mutual customer satisfaction
When selecting an insurance provider, the quality of customer service can be as significant as the cost. Often, interactions with your insurance company occur during stressful or unforeseen events, making reliable and effective customer support crucial. To better understand the customer service landscape, you might consider third-party ratings for auto insurance, such as those from J.D. Power. Although these ratings can provide valuable insights, they should typically be viewed as one of many factors to consider when evaluating an insurer like Liberty Mutual.
Liberty Mutual auto claims satisfaction
Liberty Mutual's auto insurance offerings receive varied feedback according to third-party customer satisfaction ratings. While the company shows promising performance in the J.D. Power 2024 U.S. Insurance Digital Experience Study, it ranks below average in the 2024 U.S. Auto Insurance Study across all regions where it was assessed. Furthermore, in the 2024 J.D. Power U.S. Auto Claims Satisfaction Study, Liberty Mutual scored 717 out of 1,000, which is slightly below the study average of 697.
J.D. Power Auto Claims Satisfaction Study
Bar chart with 2 bars.
J.D. Power Score
The chart has 1 X axis displaying categories.
The chart has 1 Y axis displaying values. Data ranges from 697 to 717.
End of interactive chart.
Liberty Mutual auto insurance customer complaints
We also evaluated customer complaints filed with the National Association of Insurance Commissioners (NAIC). The NAIC Complaint Index has a baseline of 1.00, meaning that companies with an index above 1.00 receive more complaints than expected for a company of their size and vice versa. Liberty Mutual's NAIC scores for auto insurance have shown a downward trend from 3.00 in 2021 to 1.97 in 2023. Although the scores remain above the industry average, this trend suggests improvement in addressing customer complaints.
NAIC Complaint Index for auto insurance
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2021-01-01 00:00:00 to 2023-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 1.97 to 3.
End of interactive chart.
Liberty Mutual car insurance discounts
If cheap car insurance is a priority for you, Liberty Mutual offers a wide range of discounts that might help you save on your car insurance. Some of Liberty Mutual’s car insurance discounts include:
Driving discounts: Liberty Mutual offers a few ways to potentially save based on your driving habits. Most notable is the RightTrack telematics program. Safe drivers can potentially earn savings of up to 30 percent on their premiums, and Liberty Mutual will not raise rates if RightTrack detects poor driving habits. Separate discounts are available for policyholders who remain accident-free and violation-free.
Early shopper discount: If you get a car insurance quote from Liberty Mutual before your current policy expires, you may qualify for a discount.
Homeowner discount: If you own a home, you might qualify for a discount on your car insurance policy — even if it’s not insured through Liberty Mutual.
Student discounts: Young drivers who are still in school could earn extra discounts on their car insurance policy. These include a good student discount for maintaining a B or higher GPA or a student-away-at-school discount for students who attend school far away and do not bring a family car with them.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized auto insurance quotes
Answering a few quick questions to check your availability with Liberty Mutual
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Liberty Mutual home insurance review
Bankrate’s Liberty Mutual home insurance review assessed coverage offerings, discount options, digital tool availability and third-party scores. Considering all factors, our insurance experts assigned the company's home insurance product a Bankrate Score of 3.3 out of 5.
Liberty Mutual scored highly in terms of coverage options and discounts. However, the company ranked below the industry average in J.D. Power's 2024 U.S. Home Insurance Study, placing near the bottom of the list of major providers. Liberty Mutual may be a good choice for shoppers looking for online home insurance management and extensive policy options. However, if you want above-average customer service, you may want to look elsewhere.
Liberty Mutual's home insurance policies include standard coverage types, including dwelling, personal property, liability and additional living expenses, plus a variety of extras. Some of the add-on coverage types available from Liberty Mutual include:
Blanket jewelry: Homeowners who keep expensive jewelry in their home may benefit from blanket jewelry coverage, which could replace your jewelry if it gets lost or stolen with no deductible or appraisal needed.
Water backup: This endorsement covers water damage that occurs from a covered backup or overflow incident not related to flooding and can be essential if your home has a basement.
Inflation protection: When your policy renews, inflation protection coverage automatically adjusts your coverage limits based on inflationary impacts on replacement costs (construction materials and labor).
Personal property replacement cost: This optional coverage is designed to replace your personal property at today's market value if damaged during a covered event unlike actual cash value coverage, which factors in depreciation.
Pros and cons of Liberty Mutual homeowners insurance
Requesting home insurance quotes and comparing carriers can help you determine which ones might fit your needs and budget. Here’s a summary of Liberty Mutual home insurance perks and drawbacks:
Pros
Wide array of available discounts
Variety of potential coverage options for policy customization
Available in all 50 states and Washington, D.C.
Cons
Scored near the bottom in J.D. Power’s 2024 U.S. Home Insurance Study
Included coverage may not be as robust as other home insurance providers
Liberty Mutual home insurance cost
The average cost of Liberty Mutual home insurance is not available. However, by reaching out to an agent or starting a quote online, you may be able to get an idea of how much home insurance might cost based on criteria like your location, the size of your home and the coverage options you desire. You could also compare your quote with the average cost of homeowners insurance to see where a quote falls. The current national average for home insurance for $300,000 in dwelling coverage is $2,267.
Liberty Mutual customer satisfaction
Customer satisfaction and service quality are important considerations in a home insurance provider. J.D. Power, a data analytics firm, conducts annual studies that assess consumer satisfaction across several dimensions, including digital tools and claims handling. These ratings are generally a reliable indicator of how well insurers meet customer needs and handle issues, providing a broader perspective on potential service levels.
Liberty Mutual homeowners claims satisfaction
Liberty Mutual's homeowners claims satisfaction ratings reflect a consistent performance with the industry standard according to the 2024 J.D. Power U.S. Property Claims Satisfaction Study. With a score of 869, Liberty Mutual aligns with the current industry average, indicating a typical level of customer satisfaction in handling claims. Understanding these metrics can help policyholders gauge what to expect in terms of responsiveness and efficiency in claim processing during potentially stressful times.
J.D. Power Property Claims Satisfaction Study
Bar chart with 2 bars.
J.D. Power Score
The chart has 1 X axis displaying categories.
The chart has 1 Y axis displaying values. Data ranges from 869 to 869.
End of interactive chart.
Liberty Mutual home insurance customer complaints
Liberty Mutual's home insurance has shown a consistently lower-than-average complaint index, according to the NAIC. Over the past three years, their complaint index scores have been notably below the baseline of 1.00. This indicates that Liberty Mutual receives fewer customer complaints relative to its size compared to the industry average, suggesting a generally satisfactory experience for its homeowners insurance policyholders. This trend could provide some reassurance to potential customers concerned about service quality and claim handling efficiency.
NAIC Complaint Index home insurance product
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2021-01-01 00:00:00 to 2023-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 0.45 to 0.61.
End of interactive chart.
Liberty Mutual home insurance discounts
If you are looking for cheap home insurance, Liberty Mutual offers a wide range of common discounts that could help you lower the cost of your homeowners insurance premium. The company also offers a few less common home insurance discounts, including:
New roof: You may qualify for a discount if you install a new roof or retrofit your existing roof.
Military: You may qualify for this discount if you’re a military service member or veteran.
Early quote: Getting a quote before your old policy expires could earn you a discount.
New home: If you recently bought your home or your home is newly built or newly renovated, you could earn a discount on your premium.
Wind mitigation credit: Making your home more resilient to windstorms, such as installing roof tie-downs, could lower your home insurance premium.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized home insurance quotes
Answering a few quick questions to check your availability with Liberty Mutual
Your information is kept secure5 digit Zip code is required
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Liberty Mutual life insurance review
Liberty Mutual’s life insurance options may be somewhat limited compared to many other life insurance companies. It only offers term and whole life insurance, along with a few riders to help you customize coverage. To its credit, Liberty Mutual has a network of local agents that may help you choose the best type and amount of life insurance for you.
Term life insurance: Term life insurance offers short-term coverage for 10, 15, 20 or 30 years. There is a death benefit, and your premium will never change during the term. Liberty Mutual’s term life insurance policies include a built-in conversion guarantee and the option to convert to permanent coverage at any time.
Whole life insurance: Whole life insurance may build cash value, offers a tax-free death benefit and has level premiums. Liberty Mutual offers several different types of whole life insurance, including simplified issues and single premium coverage.
Pros and cons of Liberty Mutual life insurance
Each life insurance carrier has its own set of product offerings and policy terms. Although the cost of life insurance may be different for every individual, life insurance quotes do not typically vary as much between companies as auto or home insurance quotes. However, comparing carriers may still be helpful to find the best fit.
Here’s an overview of Liberty Mutual life insurance that may help you decide whether to obtain a quote:
Pros
Guaranteed insurability option available for policyholders
Wide array of optional riders to choose from
Built-in conversion for term life insurance
Cons
Life insurance not rated by J.D. Power
Medical exam may be required
More limited types of life insurance compared to some competitors
Liberty Mutual life insurance riders
Liberty Mutual offers several life insurance riders that may help policyholders customize their coverage. These riders include:
Children’s protection rider: This endorsement pays out a death benefit if one of your children were to pass away.
Disability waiver of premium: This endorsement allows the policyholder to stop paying premiums if they develop a disability for the duration of their condition.
Accidental death and dismemberment: This endorsement pays a death benefit if the insured loses limbs, eyesight, speech or develops other issues in an accident, depending on the bounds of the policy. This endorsement will also pay out if the insured dies in an accident.
Guaranteed insurability option: This endorsement allows a policyholder to renew their policy within a specific window, regardless of changes in their health.
Compare life insurance providers quickly and easily
See which provider is right for you.
22-24
25-34
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The amount of coverage you need depends on many factors, including your age, income, mortgage and other debts and anticipated funeral expenses.
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75,000-125,000
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Whole life insurance combines life insurance with an investment component.
Coverage for life
Tax-deferred savings benefit if premiums are paid
3 variations of permanent insurance: whole life, universal life and variable life include investment component
Term life insurance is precisely what the name implies: an insurance policy that is good for a specific term of time.
Fixed premium over term
No savings benefits
Outliving policy or policy cancellation results in no money back
Term 5 Years
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This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate. The offers and clickable links that appear on this advertisement are from companies that compensate Homeinsurance.com LLC in different ways. The compensation received and other factors, such as your location, may impact what ads and links appear, and how, where, and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available to you as a consumer. We strive to keep our information accurate and up-to-date, but some information may not be current. Your actual offer terms from an advertiser may be different than the offer terms on this widget. All offers may be subject to additional terms and conditions of the advertiser.
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Liberty Mutual may not be the right carrier for everyone. If you have some doubts after this Liberty Mutual Insurance review, you might want to consider these alternatives:
Featured
Liberty Mutual
Rating: 4 stars out of 5
4.0
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate identified key carrier features, coverage offerings, discounts and more
Liberty Mutual may be a good choice for customers seeking several types of insurance products who enjoy the flexibility of working both with an agent and through digital self-service. From basic auto and home insurance to life, small business and commercial, Liberty Mutual may be able to meet all your coverage needs in one company.
Farmers and Liberty Mutual both came in at average or above average in the 2024 J.D. Property Claims Satisfaction Study, but Liberty Mutual outperformed Farmers in the corresponding 2024 Auto Claims Satisfaction Study. Farmers also offers unique coverage options, especially compared to other nationally available carriers.
USAA only writes policies for active duty military members, veterans and qualifying family members. If you fall within its membership requirements, USAA could be the right fit as it offers very high customer satisfaction scores across the board as well as coverage options and discounts tailored to the needs of the military community. USAA also consistently tops J.D. Power studies for customer satisfaction, although it is not technically ranked due to eligibility restrictions.
The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
Is Liberty Mutual a good insurance company?
Liberty Mutual, the fifth largest U.S. property/casualty insurer based on market share, offers a variety of insurance products like home, auto, renters, motorcycle, pet, life and more to customers throughout all 50 states and Washington, D.C. One of the factors that stands out with Liberty Mutual is its wide range of discounts, which may make it a competitive option for budget-conscious shoppers.
The company offers an accessible online portal and mobile app for policyholders who prefer to manage their insurance online. However, the company received lower-than-average digital service and shopping scores from J.D. Power. Mixed reviews may be a drawback for those who prioritize customer satisfaction.
What are real-life customers saying about Liberty Mutual?
To offer a broader perspective on what it's like to be insured by Liberty Mutual, we've gathered insights from actual customers sharing their experiences on platforms like Reddit and Trustpilot. This provides a valuable glimpse into the day-to-day dealings with Liberty Mutual, which can help potential customers set realistic expectations and better understand the level of service Liberty Mutual might offer. It's important to remember that individual experiences can vary.
Reddit reviews
Reddit users offer mixed feedback on Liberty Mutual. Some describe frustrating experiences with claims, highlighting inconsistencies in customer service and challenges in getting adequate compensation. Others report satisfactory dealings, noting efficient claims handling and responsive service despite limited direct communication.
Reddit user 1*
Mar 12, 2024
They are okay until you have a claim. They are...
“They are okay until you have a claim. They are slow to pay, do anything and everything to pay you as little as possible and then get your claim funds back within the next two years with ridiculous premiums. Based on my last experience, in which every time I spoke with someone I got a different answer from the person before, I will NEVER do business with them again. I was told that the claim had to be filed as a supplement, and then after fixing it, they refused to pay it because it was an accessory. I don't think they train their staff.”
“Had a hot water heater blow and ruin flooring and a hail claim. Both were fine and promptly paid. I couldn't usually catch them on the phone but it was clear they were acting on my voicemails even if they didn't call back. All in all, service was fine.”
On Trustpilot, the reviews for Liberty Mutual are polarized. One user expresses extreme dissatisfaction with handling water damage claims, citing poor customer service and difficulties with adjusters. In contrast, another user praises the company for the quick and effective resolution of a claim involving a total loss of a vehicle due to an uninsured motorist.
Trustpilot user 1*
Mar 19, 2024
If I could give Liberty Mutual a negative score...
“If I could give Liberty Mutual a negative score I would. We had water damage at our home and are fighting with the adjuster who has been dealing with our claim. We are on our third agent with no explanation why and now I have had to resend and explain to the adjuster where to find the information on their portal! It has been five months and still have not received a settlement. The customer service is horrible.”
“My car was totaled on a Monday by an uninsured motorist and by Friday Liberty Mutual had paid off my loan and deposited the remainder in my checking account. I am very pleased with the service from Liberty Mutual Insurance.”
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.
Liberty Mutual company details
For those seeking further information or assistance, Liberty Mutual offers several points of contact.
Corporate mailing address: Liberty Mutual Group, Inc., 175 Berkeley Street Boston, MA 02116
Customer service: 1-800-295-2820
Claims: New claims can be opened online, through the Liberty Mutual app or by calling 1-800-225-2467
Roadside assistance: 1-800-426-9898
State availability
Liberty Mutual is available in all 50 states and Washington, D.C.
Liberty Mutual tools and benefits
The following services may make Liberty Mutual a compelling choice for certain shoppers.
Landlord insurance: If you rent a property to tenants, you may want to cover your assets with insurance specifically designed for landlords.
Small business insurance: Liberty Mutual offers small business insurance with coverage options that include commercial auto, commercial multi-peril, commercial property, workers compensation, umbrella and equipment breakdown.
Umbrella insurance: Umbrella insurance provides additional liability coverage for home and auto, which may be useful to cover injuries and property damage that you’re responsible for and fees associated with a lawsuit.
Highly rated mobile app: Liberty Mutual’s app allows customers to access ID cards, request roadside assistance, file and track claims and manage a policy quickly and easily. It has a rating of 4.8 out of 5 on the App Store and a rating of 4.6 out of 5 on Google Play.
Website tools and discounts: Liberty Mutual has a convenient and thorough website, which allows you to do everything from shopping for insurance to filing a claim. You can also request a quote. Notably, the company offers a discount of up to 10 percent for qualifying customers who purchase a customized home policy online and up to 12 percent for customers who purchase a customized auto policy online.
Frequently asked questions about Liberty Mutual
Filing a claim with Liberty Mutual can be done online on its claims portal, through the mobile app or with your local independent agent. You may also call the claims hotline at 1-800-225-2467. Roadside assistance can be reached 24 hours a day, seven days a week at 1-800-426-9898. Once you file a claim, you can use the Liberty Mutual online claims center to track the status of your filing.
Liberty Mutual makes substantial efforts to promote sustainability for the environment as well as their policyholder's finances. Liberty Mutual operates the Liberty Mutual Foundation, a charitable organization that writes grants and hosts outreach events. The foundation mainly supports community organizations for people experiencing homelessness, poverty and disabilities in Seattle, Boston and Dallas. Additionally, as of 2021, Liberty Mutual committed to a 50 percent reduction of Scope 1 and 2 global emissions by 2030.
Liberty Mutual offers a number of options for receiving a quote for your home, auto or life insurance. You can contact the company directly and speak with a customer service representative who will provide you with a quote depending on your insurance needs. You can also request a quote online or through its national network of local independent agents. You will have to provide Liberty Mutual with some information, including your location and several details about your insurance needs. Liberty Mutual will provide you with a preliminary quote based on the information that you provided. Your final premium may vary depending on additional information that is part of the underwriting process.
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze April 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
40 year old
Single male and female driver
2023 Toyota Camry
Primary vehicle
Good credit score
Clean driving record
Commutes 5 days
Bodily injury liability
$100,000 per person
$300,000 per accident
Property damage liability
$50,000 per accident
Personal injury protection
$100,000 per accident
Uninsured motorist bodily injury
$100,000 per person
$300,000 per accident
Collision deductible
$500
Comprehensive deductible
$500
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Other profiles
Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
50% Cost & ratings
50% Cost & ratings
30% Coverage & savings
30% Coverage & savings
20% Support
20% Support
Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
Rates
Bankrate utilizes Quadrant Information Services to analyze April 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:
40 year old
Married male and female homeowners
2017 build year
Primary home
Good credit score
Clean claim history
Dwelling coverage
$300,000
Other structures coverage
$30,000
Personal property coverage
$150,000
Loss of use coverage
$60,000
Liability coverage
$500,000
Medical payment coverage
$1,000
The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Dwelling coverage:
Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
Coverage B, Other Structures: $15,000, $35,000, $45,000, $75,000
Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
Coverage E, Liability: $500,000
Coverage F, Medical Payments: $1,000
Rates were calculated based on the following insurance credit tiers assigned to our homeowners: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining home insurance rates: California, Maryland, Massachusetts.
Rates were calculated based on the following insurance claims assigned to our homeowners: “fire ($80,000 in losses), liability ($31,000 in losses), theft ($5,000 in losses) and wind ($12,000 in losses).”
Rates were calculated based on the following build years for homes and assigned to our homeowners: 1959, 1982, 1992, 2010, 2017 (base) and 2020.
Rates were calculated based on the following deductible amounts: $1,000 (base), $1,500, $2,000 and $5,000.
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
50% Cost & ratings
50% Cost & ratings
30% Coverage & savings
30% Coverage & savings
20% Support
20% Support
Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
What policyholders are saying about Liberty Mutual
Liberty Mutual has 50 reviews
Dive into community reviews below and see what others think about Liberty Mutual.
4.3
50
ratings
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
82% of consumers recommend this insurer
Score breakdown
5 stars
52%
4 stars
30%
3 stars
12%
2 stars
4%
1 star
2%
Score by category
Overall rating4.3 / 5
Original cost3.8 / 5
Coverage4.3 / 5
Customer Support4.2 / 5
How we got these ratings
In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.
Community Reviews
See what users like you are saying about Liberty Mutual.
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
Convenience, and the original cost of the policy bundled with renters insurance
Insurance Type
Auto
Score by category
Original cost3/ 5
Customer Support3/ 5
Coverage3/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
I have been with them for some time and am very happy with the service and the price
Insurance Type
Auto + Home
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Well trusted and answers any questions you need at any time
Insurance Type
Auto + Home
Score by category
Original cost1/ 5
Customer Support1/ 5
Coverage2/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
At the time it was the lowest premium price
Insurance Type
Auto + Home
Score by category
Original cost3/ 5
Customer Support3/ 5
Coverage3/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
The primary reason I would recommend this insurer is they have great customer service. They are responsive and polite. As for what I would like to see for improvement, I would like to see lower prices.
Insurance Type
Auto + Home
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I would consider if there was a better bundle out there. It would have to be amazing.
Insurance Type
Auto + Home
Score by category
Original cost5/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
The service of the insurance and their policy is very good. They provide quality service to their clients. Most of the clients are satisfied with their services. There is no concern or issue about the services they provide.
Insurance Type
Auto + Home
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Well there's a few good reasons why I would recommend staying with them and that would be they quoted us a and I found one better with another company and I told them that, and they sat there and went in depth through what I want for coverage. They quoted me cheaper than the best deal or better deal that was offered by the other company. Not only that but I like that they offer the driving reward or you can save and get reimbursed some money if you do the safe driver tracker. It's simply plug it in and you drive. Not only that but our advertisements are hilarious too. Limu the Emu!
Insurance Type
Auto
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
I chosed them because the are trustworthy and reliable
Insurance Type
Home
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Lisa McArdle is an insurance editor who joined the Bankrate team in 2023. She has more than 15 years of experience writing, editing and managing content in a variety of industries, including insurance, auto news and pop culture.
Steve Ellis, CPCU, AIC, MBA, is a 30 year veteran of the insurance industry. His experience extends into training, operations, quality improvement, audit, compliance, claims technology, and data & analytics.
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$2,049
