Liberty Mutual Car Insurance Reviews

If you think you are safe because you have Autopay and "bundled" insurance, read this. I am a neurosurgeon and have been a loyal Liberty Mutual customer for years. I recently found out I was uninsured only after being involved in an accident. How they failed: Liberty Mutual transferred my policy to Safeco without my consent. In the process, they shut off my Autopay without telling me. When the new bill from Safeco went unpaid (because they turned off the autopay), they cancelled my policy.

Customer service is awful. They sent mail to my address. I told them it wasn't mine and not to send ANY mail to my home. They said okay and tried to verify my information and I refused to give it. They somehow had my information and sent mail with my name on it. I called to tell them to stop again and the guy started asking for my information, then asked for my card information so I can pay them to send me a gift card.

If you’re considering Liberty Mutual, think twice. My recent experience with their claims handling has been extremely disappointing. After an accident at my own residence — fully captured on video — Liberty Mutual assigned me 20% liability without providing any clear explanation or documentation to support that number. Despite multiple requests, they have refused to share the evidence, internal notes, or guidelines used to justify their decision. The video clearly shows their insured accelerating, following too closely, attempting to pass on a narrow residential street, and failing to use a turn signal. Liberty Mutual ignored these facts while selectively applying Texas law against me.

A person who had Liberty Mutual Insurance backed into my car while it was parked on 10/31/25. Claim #**. They admitted fault. I have a witness, pictures, etc. All the adjusters assigned are all on leave and I can't get in touch with anyone to get my car fixed. A Robert ** calls and when I pick up the phone is disconnected. When I try to call back no one answers. I recommend that if you get into an accident with anyone who has this insurance to call the police and have them arrested because this company is a sham.

Here's what you need to know if you don't want to read my in-depth description of my terrible experience with Liberty Mutual: according to JD Power, they rank second to last in customer satisfaction of all car insurance companies in the northwest region. You may be tempted to go with them if they offer you a good price (though we just switched to State Farm and are paying less than half for the same coverage, so chances are they're actually overcharging you too). But ask yourself this: what good is that if they completely botch your claim and then stubbornly refuse to take responsibility for it if you ever need them?

My recent claims experience has been very disappointing. After another driver backed into me, my car requires nine days of repairs. I had to miss work to manage the situation, and when I inquired about reimbursement for my lost time, the claims agent informed me that they would not provide compensation. While I understand company policies, the agent’s response was unnecessarily rude and dismissive. Overall, the process has been inconvenient and frustrating, and I would hope for more professionalism and empathy in future interactions.

I am writing to formally address my ongoing claim, which was opened on May 6, 2025. Although Liberty Mutual has acknowledged responsibility for this claim, I am extremely concerned by the lack of progress and meaningful action. Initial Submission: Claim #**: May 6, 2025: I sent an email to Michelle ** with all the requested attachments (photos, quotes, and estimates).

I had an automobile accident and filed my insurance claim with Liberty Mutual (LM). LM directed me to take my car to Serpentini Willoughby Hills, its business partner garage. I drove the car to the garage, as instructed by LM and was told the car was being repaired. I did not have rental coverage and rented a car out-of-pocket. After about two weeks, I called the garage for an ETA on repairs and was told that it was "locked up as a total loss" the day after I brough it in. When I called LM because my app indicated that the car was being repaired, LM agent didn't have any record of the total loss. I had to beg the agent to call the garage for clarification.

I was shopping for cheaper rates and Liberty Mutual approached me to earn my business. I told them what I want to pay and not to waste my time otherwise. Like I was talking to the walls. Or tell them to waste my time. I am paying 177 for two cars with Progressive. I want to pay less. Only one car requires full coverage. They insisted on talking to me. Guess what: they gave me a rate of 351/month. And said that to me with a straight face. I told them not to waste my time. And they sure did. Incompetency coupled with disrespect.

Liberty is a fraudulent operation with questionable accounting practices. Their calculations for my totaled VW changed with every email, often in their favor, and lacked accountability. My car was totaled through no fault of my own, and insurance is meant to mitigate such losses, which is not what I experienced with Liberty Mutual. Far from ensuring my protection, they sought to deny me fair compensation for my loss.

I've had Liberty for 4 years. In that time, I've been in two accidents which were both determined to be the other driver's fault. Liberty was decent to work with which is why I'm giving them three stars. In each experience, they covered the costs and basically did the bare minimum in terms of communication and urgency. They are good about making the claim, helping with a tow and the immediate coordination. Everything after that is a drag-out affair

I added Towing to my Insurance and when I actually needed the service Liberty Mutual didn’t provide the service. I then had to pay an outside towing service. Liberty Mutual refuses to remove the Tow claim from my account. This is causing me to be stuck with Liberty Mutual, my premium is higher with other insurance companies because of the towing claim. Liberty Mutual doesn’t disclose that having a tow claim brings your premium up. I’m paying $570 a month for partial coverage which is ridiculous! Was told by Allstate and others that it takes 3 years for the tow claim to drop off my account.

Seems this company is quicky getting rid of Florida policies. I never received any phone calls, emails or anything in the mail that I was coming up on my renewal. I was under the assumption that my policy would be debited from my bank account. I received notification today that I have been canceled. When I called customer service their response was sorry, I need to find another company, no intent to help me out or continue my policy. Beware of this company as they offer poor customer service

You’d better hope your vehicle is never hit by a Liberty Mutual Insurance insured driver. They insure Lyft whose driver hit and totaled my car. Their insured admitted he hit my car and the police found him at fault but not a cent from Liberty Mutual. I will have to sue Lyft and the driver apparently. Liberty Mutual is a shady company who does not deal in good faith despite their stupid goofy ads.

After 3 years of on time payments with Liberty Mutual I miss 1 payment due to my checking account and debit card being changed due to fraud. They sent my account to collections who states I owe $900. Are these people high?? I was paying monthly and missed 1 month which was $298 dollars. I didn’t even cancel as I planned to just make up the payment when my next bill was due. I am so mad!! I didn’t even call LM as I’m sure I’d get nowhere and just get more frustrated! Who sends people to collections after 1 month?? Especially if the person had a good payment history with them. I wasn’t a priority since I don’t have high end cars that require the highest coverage.

I applied for Car insurance, not life insurance and to be turned down because of my credit score! Tell me what to do a credit score, got to do with you. Paying your insurance out of a $2000.00 paycheck???

These 1 star review idiots are false advertising. They're on the TV every 5 minutes promising to save you 100's of dollars. If you haven't reroofed, replumbed, and rewired your home in the last 2 years they can't help you!

I think these guys are purging old customers who want old fashion customer service. Young people who will do everything online. Better up the marketing budget for the younger generation and get rid of us old folks who have been with you for 15 years. Don't buy insurance from these guys, I have not been surprised by the 1 star raitings on B+B and many other sites, check it out. Would like to have gone lower than 1 star but not possible.

I filed an auto insurance claim with Liberty Mutual after my vehicle was damaged in a collision in December 2024. The company issued a preliminary estimate that did not include all visible, documented damage—including damage identified by a certified repair facility. Despite multiple requests, Liberty Mutual refused to revise the estimate upfront and instead insisted I authorize repairs based on the incomplete estimate and rely on post-repair supplements. They also implied the process would be smoother if I used one of their preferred network shops, which raised concerns about pressure and my right to choose my own repair facility. When I declined those terms, they indicated they would consider the claim “inactive and resolved,” despite the dispute being ongoing.

Liberty Mutual Car Insurance is a thieving Lying corrupt Company in my opinion. I attempted to add another vehicle to my policy and they would not add it because they considered it a commercial vehicle. My bill was paid in full on the first of the month, on the 5th of the month I canceled because I found another company to get all of my vehicles on one policy. After paying my bill of 199 dollars which covered me to the next month and only using Liberty Mutual for 4.1 days they refunded me 8 dollars. I hope this company experiences massive loss of revenue and customers. They absolutely suck. Karma is as Karma was.

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.

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.

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.

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!

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..

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.

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.

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.

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!

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.