Liberty Mutual Car Insurance

Liberty Mutual Car Insurance Reviews

About Liberty Mutual Car Insurance

Liberty Mutual offers several insurance types, including auto, rental and home, throughout the U.S. The company provides competitively priced home insurance, as well as add-on natural disaster coverage and discount options for new homes and policy bundling. Its user-friendly online platform makes it easy to request a quote and start a new policy.

Pros
  • Discounts available
  • Many customization options
  • Affordable
Cons
  • Customer service difficulties
  • Not available in all states

Featured Reviews

Cincinnati, OH
Verified purchase
They have your best interests at heart. They always cover things I am not sure will be covered. Also the premiums remain pretty steady, so I don't have to go looking for a cheaper...

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West Monroe, LA
Verified purchase
I had to sign up, pay and it was a great experience for me. I like the way you can talk to them about what happen and they listen. Liberty is a pretty good company… Feels like fam...

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What is Liberty Mutual car insurance?

Liberty Mutual is an insurance provider with a broad range of auto policy coverage and benefit options. It offers some specialized and add-on coverage and significant discounts, as well as a user-friendly online policy management system.

What does Liberty Mutual car insurance cover?

Liberty Mutual’s most affordable package offers typical car insurance: bodily injury liability, property damage liability and uninsured motorist coverage. This basic coverage meets most auto insurance requirements, but you can choose from several additional coverages to round out your auto policy. Liberty Mutual's add-ons include:

  • Medical payment
  • Collision
  • 24-hour roadside assistance
  • Rental car reimbursement
  • Accident forgiveness
  • Lifetime repair guarantee
  • New car replacement
  • Better car replacement
  • Gap insurance
  • Teachers’ insurance

Liberty Mutual car insurance quotes and costs

Liberty Mutual doesn’t disclose its car insurance rates online, but you can inquire about services and get a quote on its website. Your policy rates depend on your age, location, driving record and more. We requested a quote for basic coverage for a 20-something driver with good driving history, and Liberty's easy-to-use quote generator suggested a package as affordable as $94.25 per month. The company also offers lots of discounts, including:

  • Personal discounts: Deals based on your current situation, e.g., good student and homeowner discounts. Liberty Mutual also offers up to 45% off if you renew your policy before the current term is over.
  • Automobile discounts: If your car has unique properties, like anti-theft or energy-saving features, you can get discounts.
  • RightTrack: By using this tracking device and app program, you can get discounts for safe driving.
  • Policy discounts: Liberty Mutual offers several discounts for those who pay upfront or online and those who purchase multiple policies at once.

You can get a quote by filling out a quick form on Liberty Mutual's website, and from there you can customize your insurance package to get the coverage you need.

Liberty Mutual car insurance FAQ

Does Liberty Mutual have cancellation fees?
Yes, but only if you cancel before the end of your policy term.
Can you cancel car insurance at any time with Liberty Mutual?
Yes, you can call Liberty Mutual to cancel your policy (remember to ask what the fees are for canceling early).
Can I pay for Liberty Mutual insurance with my credit card?
Yes, you can pay with your credit card on Liberty Mutual's website.
Where is Liberty Mutual car insurance available?
Liberty Mutual auto coverage is available in 45 states, including Washington D.C.

Is Liberty Mutual car insurance good?

Yes, Liberty Mutual is a solid auto insurance company with relatively cheap rates and coverage you can customize to your needs. We like its easy-to-use website, its quote tool and the various discount options.

Liberty Mutual Car Insurance Reviews

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    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 10

    Reviewed Nov. 7, 2024

    If I could give it -100 stars I would. This company is unethical and is just purely evil. They manipulate you, especially Paige **. Avoid at all costs. They don't care about you and just want money to power. I'm thankful I left asap and returned back to my insurance.

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    Customer ServiceCoverage

    Reviewed Oct. 25, 2024

    I’ve been with Liberty Mutual for YEARS for both of my cars and my house and renters over the years and they have gone DOWNHILL fast. No support for their loyal clients and close to impossible to get an actual human on the phone these days. Did not help me when I had a windshield replacement done under their policy that was totally mishandled. They left gaps in the windshield so it rains into the car, it rattles, they damaged other parts of the car while installing and they told me I have to pay out of pocket to have it fixed or go back to the guy who did the bad job and have him “fix” it even though he’s had my car for 6 months for a repair that should have been one week and he is not capable of doing this job correctly!

    Prior to that, merged into a lane at the same time as someone else and did not advocate for me and said “they had no skin in the game to fight for me” so I had to pay out of pocket for those repairs too. Now I have to pay over $500 for a new windshield because they won’t have my back. I’m DONE. I cancelled all policies and moved to a different company. What is the point of having insurance that won’t cover a job that is so badly done that it will RAIN INSIDE YOUR CAR???

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      Claims HandlingStaff

      Reviewed Oct. 4, 2024

      Horrible company, they lie to protect their corporate clients like UPS. Stay away and PRAY you never get into an accident with someone who has them. The claims person I spoke with literally admitted what they were saying made no sense.

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      Customer ServicePrice

      Reviewed Sept. 6, 2024

      I do NOT recommend Liberty Mutual Insurance. Their customer service is the worst. I called for an auto ins quote as my current policy is up for renewal. Not only was their quote $230 more PER month than my renewal (no accidents, no tickets no other drivers, I'm over 40), but when I asked why, they said "If you don't like it, go somewhere else."

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      Customer ServiceClaims HandlingStaff

      Reviewed Sept. 6, 2024

      In 60 yrs of life I think this is the worst customer service, 1 step above Comcast. I was hit by a driver who has Liberty and I have had to spend over 10 hours so far trying to get my car fixed. I’m assigned to a claims person that just lies to me saying she’s going to do something and does not. She is so inept at her job that her voicemail says she’s out of the office until Tuesday for the Holiday weekend, Well today it's 4 days later and even that’s too difficult for her. When you can the system there is no way to get to a live person. The only way I could do that was to say I wanted to get a policy with them. THE WORST CUSTOMER SERVICE.

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      Verified purchase
      Customer ServiceClaims Handling

      Reviewed Sept. 3, 2024

      @LibertyMutual it’s been over a month I filed a claim. Can’t get a call back on status. Adam promised a call back then treated me like I stole my own items asking for bank statement, how much I spent in the house. If my house was in a ** neighborhood I wouldn’t be treated this way. I have provided statements, receipts, pictures LibertyMutual Can Anyone please help me? I have provided police report copy of receipts of items from theft. Now they want bank & credit card statements. I am at a loss. It’s been over a month since I filed this claim. Never filed a claim before & I’m being treated like the criminal.

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      Verified purchase

      Reviewed Sept. 2, 2024

      This is the worst insurance company. Avoid them, even if they're the cheapest. I used to pay my premium every six months and forget about it. One day I got a letter from the DMV saying I was uninsured and had to pay a fine. Surprisingly, they canceled my policy a month ago due to a computer error, and the notice they send ended up in my junk mail. After a call they said a supervisor could reinstate, but no one called to reinstate my policy. I demanded a refund and an explanation, but only received the refund. Now, I'm paying a higher premium elsewhere. Stay away from them.

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      Customer Service

      Reviewed Aug. 10, 2024

      As a small business owner, I am extremely disappointed with Liberty Mutual’s approach to auditing and billing practices. Despite our diligent efforts to maintain accurate records, we were hit with unexpected charges following an audit. The process was not only opaque but also felt intimidating, with constant pressure to accept their findings without question. Their lack of transparency and poor communication has made us question their commitment to supporting small businesses. Instead of partnering with us, it felt like they were more focused on extracting additional fees. I would strongly caution other small business owners to consider this before choosing Liberty Mutual as their insurance provider.

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      Staff

      Reviewed July 19, 2024

      After a head on collision, where I barely escaped a certain death, Liberty Mutual decided in August 2023: We are accepting 20% liability as our insured driver had the last opportunity to avoid the impact and failed to take evasive action. Four months later, in January, 2024, Liberty re-decided: You were found to be 100% at fault. And they refuse, or cannot, explain why. Was it because their insured driver took evasive action after not taking it? Or is it because their driver took the opportunity to avoid the impact, after not doing so at the time of impact? Is this how a respectful company operates? Does it deserve any respect and your money?

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      Customer ServiceStaff

      Reviewed July 12, 2024

      Worst service ever. Claims rep literally just hang up on me. Refusing to give supervisor phone number. Car was stolen and recover on April 12 2024. Adjuster drop the ball. Never retrieve the vehicle. Now the tow pound suing me for the charges!!! And Liberty Mutual just ignores it!!!!

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      Liberty Mutual Car Insurance Company Information

      Company Name:
      Liberty Mutual
      Year Founded:
      1912
      Address:
      175 Berkeley Street
      City:
      Boston
      State/Province:
      MA
      Postal Code:
      02116
      Country:
      United States
      Website:
      www.libertymutual.com