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Liberty Mutual Auto Insurance Review: Buy Only the Coverage You Need

Review Updated
Dana George
By: Dana George
Dana George
Dana George
Writer

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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Our Insurance Expert

Ashley Maready
Check IconFact Checked Ashley Maready
Ashley Maready
Ashley Maready
Writer and Editor

Ashley Maready is a former history museum professional who made the leap to digital content writing and editing in 2021. She has a BA in History and Philosophy from Hood College and an MA in Applied History from Shippensburg University. Ashley loves creating content for the public and learning new things so she can teach others, whether it's information about salt mining, canal mules, or personal finance.

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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.

Liberty Mutual auto insurance may be a good fit for drivers looking for a policy that can be customized to fit their specific needs. It could also appeal to people who want assurances that their insurance company will be around when they need protection. Read our full Liberty Mutual auto insurance review to see what this insurer has to offer.

Logo for Liberty Mutual
Best for customizable insuranceLiberty Mutual
Rating image, 3.50 out of 5 stars.
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.
 = Best
= Excellent
= Good
= Fair
= Poor
Get a Quote

Bottom Line

Liberty Mutual is a financially strong insurer offering a wide range of insurance products. Customers may appreciate the fact that the insurer can put together a policy that fits their needs and budget. Higher-than-average rates may be offset by numerous discount options.

Pros

  • Financially stable
  • Above-average customer satisfaction among large insurance companies nationwide
  • Customizable plans
  • Growing access to digital services
  • Multiple discounts available to reduce rates

Cons

  • Credit-based insurance score
  • More expensive than competitors for established drivers with a clean driving record

Full Liberty Mutual auto insurance review

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Monthly premium costs

While we don't have the exact Liberty Mutual pricing data to compare, our research suggests that young drivers who are normally hit with higher rates may receive a surprisingly competitive quote from Liberty Mutual, especially if they qualify for multiple discounts. However, The Zebra does not list Liberty Mutual as one of the cheapest insurers for drivers ticketed for speeding, DUI, open container, or reckless driving.

Discounts

Liberty Mutual offers a wide range of car insurance discounts, including:

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

Coverage

Policy types

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

Coverage types

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

Liberty Mutual's advantage over some other insurers is its variety of policy types and coverages offered. This variety gives customers the ability to pick and choose the precise coverage they desire.

Customer service and ratings

According to the J.D. Power 2023 U.S. Insurance Shopping Study, Liberty Mutual is the third-highest-rated insurer in the country for overall customer satisfaction. Given that Liberty Mutual's rates are not the lowest, the high customer satisfaction rating is an even more impressive accomplishment.

In addition, the insurer receives an "A" rating from AM Best, indicating an excellent ability to meet its ongoing financial obligations.

Other insurance available

  • Condo
  • Flood
  • Homeowners
  • Identity theft
  • Landlord
  • Life insurance (whole and term life)
  • Mobile home
  • Pet
  • Renters
  • Rideshare
  • Small business

Liberty Mutual is a full-service insurer, giving customers the opportunity to keep all of their policies with the same company.

Alternatives to consider

Award Icon 2024 Award Winner
Logo for State Farm
Best for bundling coverageState Farm
Rating image, 5.00 out of 5 stars.
5.00/5 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.
 = Best
= Excellent
= Good
= Fair
= Poor
Get a Quote

Read our State Farm review

Logo for Nationwide
Best for bundling home and auto insuranceNationwide
Rating image, 3.50 out of 5 stars.
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.
 = Best
= Excellent
= Good
= Fair
= Poor
Get a Quote

Read our Nationwide review

When looking for an auto insurer with higher customer satisfaction ratings: State Farm shines even brighter than Liberty Mutual. But keep in mind that State Farm doesn't allow for the same level of policy customization.

When looking for an auto insurer who offers cheaper rates: Nationwide offers rates that are regularly among the lowest in the U.S.

Liberty Mutual auto insurance summary

Liberty Mutual could be a good fit for drivers who:

  • Want a customizable auto policy
  • Are looking for a financially secure insurer
  • Want to use their mobile app to make a claim on the go

Liberty Mutual may not be the least expensive auto insurance company, but it is financially secure, customizable, and appears to have plenty of happy policyholders.

Our auto insurance rating methodology

At The Motley Fool Ascent, insurers are rated on a scale of one to five stars. We primarily focus on pricing, coverage options, and customer satisfaction; however, we also take into account features like unique discounts, online and app-based experiences, and branch access. Our highest-rated auto insurances generally include low costs, solid coverage, and high customer satisfaction.