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Liberty Mutual car insurance has various, unique coverage options, including special coverage and teacher discounts. However, it doesn’t offer the most affordable premiums, and the company has mixed reviews for customer satisfaction.
Liberty Mutual Auto Insurance – Product Name Only offers a full range of personal insurance products, including auto insurance. It’s licensed nationwide, and despite higher rates than companies like GEICO or Progressive, it maintains a high market share. Customers can bundle home, auto, and other personal insurance, and Liberty Mutual car insurance can be quoted online or via captive or broker insurance agents.
Liberty Mutual is also our pick for the best car insurance for teachers, as it offers a specialized educator policy with additional savings and added protection. However, it may not be the first-round draft pick for shoppers seeking a budget-friendly policy.
Types of Auto Insurance Plans from Liberty Mutual
Headquartered in Boston, Massachusetts, Liberty Mutual has served its members since 1912. It ranks below the industry average on JD Power’s Auto Insurance Study – Product Name Only. However, online reviews reflect both positive and negative customer experiences.
Some of the benefits include options, stability, and flexibility. In addition, the company insures drivers nationwide, providing greater flexibility to insure drivers who may not have a perfect driving record while offering full coverage options.
Its insurance policies can cover state minimums, auto loan provider requirements, or comprehensive coverage for families who want to be prepared for just-in-case situations. A few of its coverage options include:
Collision insurance: Collision coverage protects you if you collide with another car or into an object.Comprehensive insurance: Comprehensive coverage will pay to repair or replace your vehicle in ta noncollision event (theft, fire, vandalism, or hitting an animal).Uninsured motorist coverage: If another party in an accident is uninsured, this coverage will pay for your medical expenses.Bodily liability coverage: If you’re at fault in an accident, liability coverage pays for the medical costs of people who incurred injury from the accident (not including yourself). Most states require liability protection, but many insurance professionals recommend higher liability limits to protect you in a more expensive accident.Property liability damage coverage: If you’re at fault in an accident, this coverage pays for the other party’s vehicle repairs and property damage. State law will set your minimum coverage, but many professionals recommend higher limits to protect you after a significant accident.Medpay coverage: Medical payment coverage pays for you and any passenger’s medical expenses, regardless if you were at fault in an accident. Medical coverage is required in some states. Depending on where you live, it may be referred to as “personal injury protection” or “PIP.”
Additional Coverage Options (Riders)
Liberty Mutual car insurance offers several unique riders and discount options to enhance the policyholder experience. For some drivers, it will improve policy benefits or reduce price enough to make it the most competitive auto insurance option.
Deductible fund: Paying $30 annually can reduce your deductible by $100 annually. The benefits can exceed your deductible if you continue to pay into the fund for more than five years.Lifetime repair guarantee: The company will connect you with an approved repair shop to fix your vehicle after an accident. If something goes wrong later because the repair was insufficient, it will pay to resolve the issue, but the guarantee does not transfer if you sell the car.New car replacement insurance: This optional coverage will reimburse you for the cost of a new car (not just the depreciated value) if you total your car in the first year of ownership.Better car replacement insurance: This optional coverage will reimburse you for purchasing a car one year newer than your totaled car with the added benefit of 15,000 fewer miles.Rental car reimbursement: If your vehicle is at a Liberty Mutual-approved shop for repairs after an accident, this coverage will pay for a car rental. Policyholders set a per-day limit. Particularly if you live in a more rural area, you may choose higher benefits for higher rental rates.24-hour roadside assistance: If your car breaks down, the insurer will help you jump-start or tow your vehicle. Roadside assistance services can also bring you fuel and other routine services to get you back on the road.Original parts replacement: This coverage helps you replace any damaged vehicle parts.Gap insurance: Gap coverage will cover the difference between your car’s value and the remaining lease amount if your car is totaled. Many borrowers are underwater on car loans at some point, more so if they buy a new car. Gap insurance ensures you are not tied down by an old loan on a vehicle you no longer own.Teachers’ auto insurance: Teachers can get additional protection for their vehicles and teaching materials if damaged or stolen on school grounds.Mexico car insurance: This coverage protects your car across the border if you’re traveling to Mexico. Liberty Mutual partners with insurance provider MexPro. So MexPro would pay claims.
How Much Does Liberty Mutual Car Insurance Cost?
Several factors impact your car insurance premium, including location, gender, and vehicle type. Age will also determine the cost of your policy significantly. Liberty Mutual exceeds the average cost of car insurance for all ages and genders.
Age
LM Average Monthly Premium
National Average (Females)
National Average (Males)
Teens
$492
$345
$386
20s
$295
$223
$240
30s
$208
$164
$167
40s
$202
$154
$154
50s
$182
$138
$140
60s
$164
$136
$142
70s
$167
$160
$173
Source: Insurify
How to File a Claim
The website has a step-by-step claims filing process. You’ll need your username and password, the date of the incident, and a description of the incident. If you’re not a policyholder and are filing a claim against a Liberty Mutual Auto Insurance – Product Name Only member, you’ll need the at-fault party’s policy number and last name. However, it will guide you through a few questions in a matter of minutes to start your claim.
If you need help filing a claim online, speak to a live representative at 1-800-225-2467 or by texting 80361. The insurer will review your inquiry and respond in one to two business days. Keep in mind at fault customers pay their deductible first. If your claim value is below or close to your deductible, you might want to consider if filing a claim is worth it.
Liberty Mutual Car Insurance FAQs
Who is cheaper, GEICO or Liberty Mutual?
GEICO offers cheaper car insurance rates. Thirty-year-old policyholders will pay an average of $103 at GEICO, while members at Liberty will pay $208. However, Liberty Mutual often provides a better claims experience, especially when its policyholder is at fault.
Is Liberty Mutual good with claims?
Liberty Mutual received 867 out of 1000 points in the latest JD Power auto insurance study. The insurer offers middle-of-the-road quality regarding customer service and claims satisfaction.
How long does it take Liberty Mutual to pay a claim?
Insurance companies should accept a claim within 30 days and reimburse the policyholder promptly after the decision, according to Policygenius. However, the complexity of the claim may delay reimbursement, at which point the insurer must notify the policyholder of the reason for the wait. If you use a preferred auto repair shop, your claim may be paid and closed quicker.
Methodology: What Went into Our Liberty Mutual Review
Car insurance is mandatory in most states to protect others around you when you get behind the wheel. But, of course, companies also offer collision, comprehensive, and other coverage to protect the policyholder, depending on how much you’re willing to spend. Personal Finance Insider strives to deliver the most accurate and unbiased review to help you make the most informed car insurance purchase.
We rate insurance companies based on five pillars, affordability, customer service, the volume of complaints, financial strength, and the breadth of coverage. We conduct thorough research using verified, third-party rating agencies (AM Best, JD Power, and the National Association of Insurance Commissioners (NAIC) complaint index) to assess an insurance company’s quality and answer your most pressing questions.
An insurance expert also reviews our insurance product guides to ensure the accuracy of the claims made in the article.
Compare Liberty Mutual vs. State Farm
Companies
Liberty Mutual
State Farm
Average Cost (Drivers in Their 30s)
$208
$99
JD Power Score
867
881
AM Best
A (Excellent)
A++ (Superior)
Complaint Index Score
2.71
1.64
State Farm Auto Insurance – Product Name Only’s rates are cheaper, offering rates much lower than the industry average. State Farm also ranks high for claims satisfaction and has fewer complaints. Unlike Liberty Mutual, State Farm is only available through licensed captive agents. So whether by phone or in person, agents talk to you about your needs and run quotes, but only for State Farm. Agents are trained to ensure customers get all available discounts for competitive pricing, especially when bundling multiple policies.
While State Farm is a cost-effective option, Liberty Mutual offers many discount opportunities to offset your cost. It also beats State Farm in the volume of coverage options provided, from gap insurance and accident forgiveness to teacher’s car insurance to new car replacement.
Compare Liberty Mutual vs. Nationwide
Companies
Liberty Mutual
Nationwide
Average Cost (Drivers in Their 30s)
$208
$164
JD Power Score
867
876
AM Best
A (Excellent)
A+ (Superior)
Complaint Index Score
2.71
1.44
Nationwide Auto Insurance – Product Name Only scored higher in auto claims satisfaction and received fewer complaints. It also offers rideshare insurance for policyholders who work for companies like Uber and Lyft. Additionally, Nationwide offers cheaper rates before and after discounts.
Nationwide works with some broker insurance agents to quote and bind insurance policies. However, most policies are sold online. It also does not offer specialty coverage for teachers, military members, and other groups you might get with Liberty Mutual.
Compare Liberty Mutual vs. GEICO
Companies
Liberty Mutual
GEICO
Average Cost (Drivers in Their 30s)
$208
$103
JD Power Score
867
871
AM Best
A (Excellent)
A++ (Superior)
Complaint Index Score
2.71
1.92
GEICO Auto Insurance – Product Name Only has fewer complaints, and it operates solely online with some phone and email-based customer support for quoting. In addition, customers can bundle policies and manage them through its portal. Between the low prices and easy management, GEICO has many positive reviews. Many of its adjusters also use common industry tricks to lower deductibles and otherwise save consumers money, even when they don’t buy into a deductible fund or pay other fees.
However, GEICO may be slow to pay claims from other parties when its policyholders are at fault. In addition, GEICO doesn’t have local insurance agents comparable to Liberty Mutual’s. So less tech-savvy consumers or those who need more personal support may prefer Liberty Mutual. Again, teachers and military members may also choose this insurer for its career-specific discounts and promotions.