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Liberty Mutual - Auto

Liberty Mutual - Auto

 3.6/5 (175 ratings)
  • 5 stars
  • 4 stars
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  • 1 stars
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About Liberty Mutual - Auto

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.

Overall Satisfaction Rating

  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars

Pros

  • Discounts available
  • Many customization options
  • Affordable

Cons

  • Customer service difficulties
  • Not available in all states

Bottom Line

Liberty Mutual's auto insurance is ideal for those looking to buy affordable and customizable coverage online. The company offers an array of discounts and custom coverage options.

Top Liberty Mutual - Auto Reviews

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Rated with 5 stars
Verified

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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Rated with 5 stars
Verified

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 - Auto Reviews

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How do I know I can trust these reviews about Liberty Mutual - Auto?
How do I know I can trust these reviews about Liberty Mutual?
  • 3,548,066 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.

For more information about reviews on ConsumerAffairs.com please visit our FAQ.

Page 1 Reviews 0 - 10
Rated with 1 star
Verified Reviewer
Original review: Jan. 11, 2022

My experience with customer service and getting a hold of my broker have been terrible. I purchase business insurance with Liberty Mutual, But since then can not get a hold of my Broker. I have reached out to him 5 times with no response over 4 weeks. I also wanted to access my portal with liberty Mutual and can not get an email confirmation from them.

So I called the corp office and they sent me to 6 different people and never resolved the problem. Then I called their sales for car insurance for our three cars and they quoted the same policy for $5,500. I currently pay $2,400 with State Farm and a 1 million dollar umbrella policy. I believe I made a big mistake with Liberty Mutual for business coverage, I can't imagine how they will be if I ever have a claim. I will be canceling and going with a different carrier.

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Rated with 1 star
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Verified Reviewer
Original review: Dec. 17, 2021

Horrible customer service. Broken process. They transfer you from one department to another and nothing gets resolved. Rarely do you get someone helpful over the phone. Also, after a total loss, they kept charging me, and 2 months later when I questioned them to refund that they said it was my duty to cancel my policy after a total loss. So they want you to keep paying for insurance on a stolen/total loss vehicle. That is ridiculous. Stay away from this company. It's only easy to hire the policy, after that your life will be hell.

4 people found this review helpful

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    Rated with 1 star
    Verified Reviewer
    Original review: Dec. 3, 2021

    My policy was cancelled without my knowledge, after being renewed. I was driving around thinking I was covered, until they sent me an email a few weeks ago. Also, I had a car accident in which my car was totaled. The remainder of my car supposed to had been paid off. I added that feature on to my plan. It actually wasn’t paid off. The claims agent took it upon herself to change the numbers, never stating that my car balance wouldn’t be paid off. The remainder balance is now on my credit. Putting me in more debt, as I’ve had this over priced car insurance during a pandemic, while unemployed.

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    Rated with 1 star
    Verified Reviewer
    Original review: Nov. 17, 2021

    I had an auto policy through Liberty Mutual. In the middle of the coverage period I started a new job. I was out of work for 5 months. I was on the verge of my policy lapsing. I called LM and spoke with a rep. I asked him to give me the exact date my policy would cancel. The rep was very accommodating and provided me the information. I got paid the day before it would cancel. I go into my account the next morning to make the payment and it was cancelled. I was given the incorrect info by the rep. At the end of the day, it was my fault it cancelled.

    I tried to reinstate the policy immediately. However the new rate was much more than I could afford. I asked the rep what I would owe on my final bill and he stated it would be $41.40. He said I would receive a final bill within 10 days. I received a bill 12 days later for $97.10. Huh??? So I called Liberty Mutual. Spoke with a rep who said she shows I owe $41.40. She was confused regarding additional charges. So she transferred me to another department. After waiting on hold for 25 minutes I had to release the call. I called back the next day and spoke with another rep. Again, he was baffled as to why the additional charges were added. The final bill I received was not itemized, it just had the amount that I supposedly owed. This rep also transferred me to another department. After on hold for close to 30 minutes, I again released the call. I then decided to file a complaint with BBB.

    Several days later I receive an itemized bill for $97.10 in the mail. There were at least 20 credits, deductions and late fees. It was crazy. I'm still trying to figure out how a late fee was charged 10 days after the policy was cancelled. Again, I have no issue paying what I owe (I have actually paid the $41.40). I refuse to pay the additional fees. I was told by Liberty Mutual reps that's what I owe and that is all I will be paying. It was my fault it cancelled, I agree but I will not be fleeced by Liberty Mutual.

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    Rated with 2 stars
    Verified Reviewer
    Original review: Nov. 10, 2021

    I was insured L.M.I, for 16 mo. When I first got my policy I put 276.00 down for full coverage on 2018 VW Beetle. I thought that was Great, the agent was very informative and took the time to explain the policy. 139.00 mo. And it should go down in a year. When insurance companies were mandated to give Covid 19 Rebate I wasn't never notified by email or phone so I call to inquire about the refund. I was told, "It's over." I asked the agent, "Was the refund for All Liberty Mutual Customers?" He said, "Yes. They were notified." I said, "Well I wasn't." He told me I would probably get a lower Bill.

    After renewal my Bill was 139.00. My decrease was 125.00. My Bill was going to be lowered anyway for no accidents, DUI, tickets. I Just thought that was a bit unfair. Before Covid I didn't drive a lot. Between June 2020-39,000 - October 2021. 42,674. Well I don't have to deal with that anymore. I sold my car. Good bye Liberty Mutual. That's the only reason I have to give this rate today.

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    Rated with 1 star
    Verified Reviewer
    Original review: Nov. 8, 2021

    They sent me a check for 5500 for my totaled out truck when the skirted flatbed alone is worth that much. Truck is worth at minimum 18,500. Now I have to do a whole bunch of extra work to prove the worth of my vehicle then maybe they'll send me more. Better yet it took them 2 months to pay the little bit they did and I've had another claim open for around 6 months. They have ton the car in still no payment.

    2 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Nov. 3, 2021

    They're shady. I called them on 10/25 to get auto and homeowner policies. I specifically told them NOT to start the policies until 11/13. After viewing my accounts online, the effective day for one of the policies didn't start on 11/13, it started on 10/25. Also, they told me that it won't be drafted from my checking account until 11/13, but they charged me on that day! One was for $305.50 and another was $1,646. I called them to ask for the refund. Before getting off the phone, they said that it was processed. A couple of days went by and I still didn't see my money. So, I gave them a call. They said they had no record of it. At this point, I've decided to cancel both policies. Today is 11/3 and I still haven't received my money back yet. What I've learned from this experience is that I'll never pay anyone using my checking account anymore!!!

    Be the first one to find this review helpful
    Rated with 2 stars
    Verified Reviewer
    Original review: Oct. 24, 2021

    I needed to trim my budget so I got an auto quote from Geico that was $50 less than I was paying LM. I switched to Geico. They are trying to Bill me for a month that they did NOT cover my vehicle. They sent the bill to a collection agency. Of course I am denying the debt. Get over it LB. I went to another provider I could afford.

    2 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Oct. 16, 2021

    They extend claims processing till the very last date allowed by state law. If your state allows them 30 days to open the claim, they will take 30 days. If they have 45 days to pay after the claim is opened, they will wait 45 days to pay. If you want your claims processed in a timely fashion or that of the person you hit, so you don't have a lawsuit filed against you, select another carrier.

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    Rated with 1 star
    Verified Reviewer
    Original review: Oct. 16, 2021

    Liberty mutual is a fraud and a scammer insurance company. That's the best way I can put it. My girlfriend met in an accident on September 3, 2021. We both spoke to the adjuster that day. Today is October the 16, 2021. All now we have not heard from him back. She got a rental from Enterprise and they took it back from her because Liberty stop paying for it. We live in Connecticut and go to work in New York. What Liberty want us to do. Walk to work. My girlfriend is a EMT. Anyhow after calling Liberty mutual every day it's a different story all over, they say they would call you back but that never happens.

    Spoke to a manager yesterday. She telling me a different story. She said a different department is handling the claims now. This is **. After over a month of calling liberty mutual they telling me this. This is a Damn joke. Liberty mutual is a waste of time. I am still paying for insurance for a car that is not driving, have no rental because liberty wait till your rental runs out and then no help from them. I have 2 cars with liberty mutual and I am leaving them asap. I am telling all my friends and family to stay away from these scammer insurance. Please people stay away. They are jokers and they will not help you in any way. Liberty mutual it hurts to know you do these things to hard working people around the world and rip us off our hard working money and then throw us under the bus.

    2 people found this review helpful
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    Liberty Mutual - Auto 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