Liberty Mutual Car Insurance Reviews

  • 4,658,490 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.

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 auto insurance that’s easy to customize to your exact needs. 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

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...

Read more

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...

Read more

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.

» LEARN MORE: Factors that affect car insurance rates

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 for your car insurance with your credit card on Liberty Mutual's website.

Where is Liberty Mutual car insurance available?

Liberty Mutual auto coverage is available in all 50 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.

Shop with confidence

Compare with top companies

Liberty Mutual Car Insurance Reviews

Filter by Rating

  • (273)
  • (158)
  • (77)
  • (91)
  • (877)

Popular Mentions

    How do I know I can trust these reviews about Liberty Mutual?
    • 4,658,490 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.
    Recent
    • Recent
    • Oldest
    • Most helpful

    A link has directed you to this review. Its location on this page may change next time you visit.

    How do I know I can trust these reviews about Liberty Mutual?
    • 4,658,490 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.
    Page 1 Reviews 0 - 10
    Customer ServiceCoverage

    Reviewed April 30, 2025

    Let me preface this with stating that all insurances suck! They do not look out for anyone but their own pockets. If they can get away with providing you with less than standard, that is the goal. I did not have a good experience with liberty insurance. Poor customer service. They want to get rid of you ask quickly as possible with any concerns.

    Thanks for your vote! Report
    Customer ServiceClaims HandlingCoverageSales & MarketingStaff

    Reviewed April 28, 2025

    I was with Liberty Mutual for a couple of years yet. Had to leave them immediately after they believed a scam, and even after I beat it in court and had my case dismissed this company, Liberty Mutual still filed that I was in a wreck. And it was my fault. Let me start from the beginning. Imagine somebody running into your car while it is parked, you don't realize it as you walk out. Get in your car drive away until a couple of days later. When Liberty Mutual calls me out of the blue and says, there is a claim against me. Very, very long story short, because I found out everything in hindsight, so much later. Somebody hit my car while it was parked and then so they didn't have to pay for a rental car accident. They parked immediately, waited for me to come out of the building. I was in and followed me. Took a picture of my license plate and called the police traffic division. With a story that I just hit and ran.

    Now, obviously this person's lies upon lies caught up with them and halfway through court after experiencing this for half a year going to court over and over the judge dismissed my case. Because the person that claimed I hit them was caught in a lie. Yet, even though I have these dismissal papers, which I will show with this review, Liberty Mutual chose to report that I was an erect. So of course, you know what that does it makes it impossible for me to get insurance. Now please do not get liberty insurance as your insurance. What folks have to do is look for mom and pop shops, stop going for the big companies. They don't care about you. All they care about is getting more money from you.

    Thanks for your vote! Report

    Not sure how to choose?

    Get buying tips about Car Insurance delivered to your inbox.

      By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

      Thanks for subscribing.

      You have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.

      Customer ServiceClaims HandlingCoverageStaff

      Reviewed April 26, 2025

      This company is completely fraudulent. They added a fully insured person to my policy without my consent and backcharged me for several months stating this person needed to be insured from a specific date. These charges totaled $2,000 and my regular monthly insurance was only $280. They justified this by stating they mailed me a letter that I never responded to, so I was given notice of this involuntary additional person to my policy and never responded. I never saw this letter, nor did I ever believe this was possible. No one called me to make sure I received proper notice. The letter wasn't certified. They kept calling it a legal letter. Well, if it is legal then shouldn't I have been served proper notice. Just because you have found a loophole to get away with stealing doesn't mean you should steal.

      If you wanted to notify someone you can go about that in ways that are more official to make certain someone is aware of DRASTIC involuntary changes to your policy. I don't care how you spin it as a company. This is FRAUD, and I will never deal with them again. I can only imagine how they deal with claims. "Oh, we mailed you a letter about your claim and you didn't respond so now we don't have to pay it." Please Don't count on this company. I called customer service several times and they always said, "Someone will call you in 72 hours," and not one time did I receive a call back. These people are not a real insurance company. They are just here to steal and take and clearly, they do not care the slightest about the consumer.

      Thanks for your vote! Report
      Customer Service

      Reviewed April 19, 2025

      Had Liberty Mutual with no issues prior to moving to California. Was told they don't write policies here anymore. Found new company. Called to cancel only to find out they operate under a different name and I could have stayed. Later received a bill after switching that I could not pay online or get a person to assist with. I waited for the collection agency to contact me and paid it off that way. Stay classy, Liberty Mutual!

      Thanks for your vote! Report
      Verified purchase
      CoverageStaff

      Reviewed April 1, 2025

      All I can say about Liberty Mutual is RUN... Find any other company but them... Your insurance will triple after the original time and they basically just laugh at you. Then, I cancel the insurance and they have sent a request to collections for over $400.... They are CRAZY.... It is ridiculous to do people that way... A bunch of thieves is all they are... Go anywhere else but Liberty Mutual. I wouldn't even give them one star if I didn't have to..

      Thanks for your vote! Report
      Customer ServiceCoveragePrice

      Reviewed March 18, 2025

      I'll start off that I had Liberty for close to ten years, well they decided to pull out of California and cancelled me and sent me to their sister company Safeco. I get the whole problem with CA but what they don't tell you is that Safeco is quite a bit more expensive and when you Transfer you have to double pay the first month plus the last month with Liberty. Really poor policy's, learn how to speak another language other than English if you want to talk to someone on the phone, and when you do don't expect to get it resolved. A great way to treat a ten year customer who has not even been one day late.

      Thanks for your vote! Report
      Customer ServiceCoverageSales & Marketing

      Reviewed Feb. 6, 2025

      LUDICROUS! Liberty Mutual charged me for vehicle rental coverage for a vehicle I requested to be insured under storage-only insurance. This was a policy change I requested approximately a year or so ago. Why do I need rental coverage on a car in storage that I don’t drive. I was told I could get a rental car, with the coverage, if it was damaged while in storage. I don’t drive it so why do I need rental coverage. They told me I had to verbally request rental coverage when I changed my policy because rental coverage was on my original plan. I was not told it would not be removed and not asked if I wanted to remove it. Utterly ridiculous. I feel scammed.

      They don’t tell you or ask you about it, so make sure you ask for it to be removed. If you forget or don’t know to ask, they will NOT reimburse you for that unwanted coverage. Liberty Mutual…you should be upfront with your customers and don’t charge for unnecessary coverage. Oh, and when I called two weeks ago, the rep said it would be removed. Not the case! It took a second call to get it removed and for someone to explain they don’t automatically remove during my specific policy change. Terrible business practices Liberty Mutual!

      Thanks for your vote! Report

      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.

      Thanks for your vote! Report
      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???

      Thanks for your vote! Report
      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.

      Thanks for your vote! Report
      Loading more reviews...

      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