Liberty Mutual - Auto

Liberty Mutual - Auto Reviews

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Overall Rating3.6 out of 5
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About Liberty Mutual - Auto Reviews

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 & Cons


  • Discounts available
  • Many customization options
  • Affordable


  • 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.

Featured Reviews

Cincinnati, OH

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

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

ConsumerAffairs has collected 1,509 reviews and 4,083 ratings.

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Page 1 Reviews 0 - 10

Reviewed Sept. 15, 2023

Bill climbed till I had to change companies, then they sent my information to a collections agency and not even a month has passed just to collect $41.67, I have never seen a company do anything like this.

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Customer ServiceStaff

Reviewed Sept. 8, 2023

Buyer beware. If you can’t buy a policy online, don’t bother. I probably called 10 times this week to buy a policy. Even called the local agent with no response. Literally everyone I talked to after I sat on hold for 30min with no one responding put me on hold again. They lie to you that they are transferring you to another department, but I found out from my last call that it’s a broker. Fun knowing God knows who has all my info now.

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    Reviewed Aug. 31, 2023

    You don't truly know if you have a good insurance company until you need them. With Liberty Mutual, we were involved in a minor accident and Liberty rented us a vehicle while ours was being repaired. But when they learned that we were able to drive the vehicle to the body shop (with fender loose and tire rubbing), they cancelled the rental car and charged us for it saying the car was "drivable." All of this transpired via chat -- no agent to talk to. Pretty disappointing.

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    Customer Service

    Reviewed Aug. 31, 2023

    I would really recommend for Liberty Mutual to take better time and deeper thought before they just make any decision. There was a miscommunication and I caught the issue, but when I called LM, I got the run-arounds and to where the phone would ring constantly and you talk about frustrated!!! They promptly took fault for a fender bender that was NOT my fault. When someone turns left into your car when they turned off of their street driveway as your fault is beyond me. Technically, I look at it as though they got had. Yes, LM's rate have skyrocketed ridiculously-- along with all else, I suppose, but I have no other real problem with this company. They also just need to make it a little easier to get through to someone when we call in to them.

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    Customer ServiceClaims HandlingCoverageSales & MarketingStaff

    Reviewed July 30, 2023

    I have coverage for my new model BMW and another brand vehicle through Liberty Mutual after receiving recommendations from BMW to use them for parts replacement. My son was in an accident with the other brand vehicle and that is when I learned (through claims) that I would not receive OEM parts. This had me concerned as I was never aware of this when writing my polio nor did this happen to me with other insurance companies prior. The claim’s adjuster, Shane **, told me that my policy stated that it does NOT cover OEM parts for my other vehicle but I would for my BMW due to the “Infinity Program.” And therefore, he refused to sign off for me to replace my parts with OEM parts and only with aftermarket. I could not find that in my policy so I then reached out to customer service multiple times as well as the policy department.

    Although I had a couple representatives who did not want to help me and kept rerouting me back to claims, I had more than one representative who then confirmed my policy did not cover OEM parts for both of my vehicles. They told me that I would need to purchase ADDITIONAL coverage for that. I know that because my BMW is worth more than $75k, I would NEVER want an aftermarket part on it. This is false advertising for Liberty Mutual and also The claims adjuster manager, Shane, was not honest when it came time to pay for my damages. I will never trust Li Mu and what they say because they contradict their statements and will in turn be cheap with you to undervalue your vehicle, especially a BMW.

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    Customer ServiceStaff

    Reviewed July 26, 2023

    Awfully and disloyal. When I first got Liberty they did advise me to download the driving app. Based on my driving I will get a discount so did that. After three months the driving decision came back as excellent but no discount. After 6 months they did increase the policy. Not by much so I just said it's ok. After a year they did increased it again but this time they went to town LOL. I called and asked why. The lady after checking my policy said I don't see any reason. There's no incident it any ticket so I'm not sure why was her answer but I have to double check and so she did a few a couple of minutes she comes back and the reason for the increase was the inflation. She said LMFAO. And so I did cancel my policy and will never see them again. Thanks to their stupidity I got to know them with my auto insurance only.

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    Customer ServiceClaims HandlingSales & MarketingOnline & AppStaff

    Reviewed July 24, 2023

    Before purchasing my policy with Liberty Mutual. I was advised by sales associate to download the "right track app" in my phone for 3 months since I was a safe driver with the promise I was going to get up to 20% discount after the trial. It is something I did not want to do but I was convinced by the sales a. assuring me I definitely will get savings with my history record of good driving. All these time, was driving scored was "excellent" and 3 days before completing the end of the trial I had $268 in savings for the year premium. Suddenly the savings changed to $200, what happened? So sudden? But my driving score was still excellent??...

    Today I received an e-mail saying "congratulations" Your 90 day trial is completed and you have $200 in savings. I went ahead and signed in to my account to verify the updated policy price. For my surprised no $200 applied towards my policy. Instead I see $26! I called immediately and I've been on the phone for hours, being transfer from one department to another with no clarification of their "mistake". One representative said she was "sorry". LOL but 10% discount was applied already at the moment that I agreed to download the app, it is just that I DID NOT KNOW but they gave it to me without disclosing it (maybe it was a surprise!)... and I was given 2% more for scoring excellent in the trial which is very generous from the 20% I was promised. I said : - "From the 20% promised you gave me just 2%? Even though I scored EXCELLENT for 3 months? You got to be kidding me!" So I asked to be transferred to the "right track department" and she hanged up on me.

    Now, it makes me doubt about how truthful this company would be in case I had a claim and need assistance. It is terrible!. I will not recommend download any ridiculous app that invades your privacy in return of nothing! What a scam.

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    Claims HandlingCoveragePrice

    Reviewed July 21, 2023

    I am so disappointed in Liberty Mutual. I had been a customer for over 15 years when my auto insurance rates skyrocketed. No claims, no points - no explanation. I live in Florida, and when I questioned this increase they said “this is just how rates are in Florida now. You’ll find the same rates at other companies”. Two individual representatives stated this. I went to State Farm and they provided the exact coverage for close to half the cost. Liberty Mutual is a company that doesn’t respect their customers enough to simply be honest. Unacceptable.

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    Verified purchase

    Reviewed July 19, 2023

    I got a pretty decent discount through my university with Liberty Mutual. It actually helped me save about $20 a month when other companies' rates kept going up and up even with a "loyalty discount." Then I purchased a newer vehicle. My bill went from $54 a month to $195...quadruple the amount I was paying for adding a new vehicle on. This did NOT include a multi car discount which should have been added to the plan. When I went to cancel the plan after finding better coverage (WAY lower deductible, towing and rental car included which I didnt have before) for $140 for both vehicles the bill sudden jumped from $195 to $305. ** is that about??? They added every ** charge they could to me canceling my policy.

    I had called when I 1st purchased my newer vehicle to see when I needed to cancel to not have ridiculous charges added. What good that did. Even canceling the policy before the billing cycle date still incurred a hundred dollars worth of unnecessary charges. I will NEVER consider them again for anything. And God forbid you get in an accident and have agents tell you you have NO coverage when you really do then after "looking around in the system" for 5 minutes they "find" your coverage yet still don't doing anything to help to where I still got stuck paying damages from when some idiot ran into me. Worst coverage EVER!

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    Customer ServiceCoveragePrice

    Reviewed July 19, 2023

    They do not care about you and will rip you off at every chance! Had a car, a Suzuki sx4 tiny little thing wanted to charge it as a suv, Over 400. ** seriously. So I changed my insurance, got a new one (for 250. RV, car and homeowners insurance under 250.) But the ** continues, they didn't discontinue my rv insurance and kept taking it out of my mom's account, for over 6 mo. Called them on it and they gave a refund... of 170. So in short, do not ever EVER trust them to have your interest at heart.

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    Liberty Mutual - Auto Company Information

    Company Name:
    Liberty Mutual
    Year Founded:
    175 Berkeley Street
    Postal Code:
    United States