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Liberty Mutual auto insurance review for 2021

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    Article Highlights

    Liberty Mutual is the sixth-largest auto insurer in the country and was founded in Boston in 1912. The carrier is focused on innovation through its Solaria Labs project to change how insurance is bought and sold, as well as improve the customer experience by using technology. 

    In that context, Liberty Mutual auto insurance is best for drivers looking for car insurance coverage that can easily be managed via a mobile app. Liberty Mutual reviews by customers are positive when it comes to how easy it is to navigate the website and get a fast, accurate quote. Continue reading our Liberty Mutual insurance review for an in-depth look at the carrier and whether it’s the best choice for you.

    Liberty Mutual Quickpoints

    • Region offered: All states and D.C.
    • Market share: 4.62%
    • AM Best rating/financial strength profile: A (Excellent)
    • J.D. Power claim satisfaction rating: 3/5
    • Specialty coverages: high value, rideshare, electric

    Liberty Mutual offers auto insurance throughout the U.S. You’ll be able to get coverage in all states, District of Columbia and even Puerto Rico.    

    Liberty Mutual customer satisfaction and complaints

    Liberty Mutual’s J.D. Power ratings for overall customer satisfaction as well as claim satisfaction are just below average for the industry. J.D. Power studies evaluate different aspects of an insurer, such as how each company handles claims, ease in the billing process and products offered. 

    Some insurance companies rank higher because of a larger market share. Typically, larger insurance companies are a mixed bag of reviews since they tend to have higher claim volumes. Liberty Mutual’s score for claims satisfaction is 857 out of 1,000. The insurer ranks in all regions of the customer satisfaction study with a score between 786 and 842.

    Liberty Mutual auto insurance discounts

    Liberty Mutual offers the industry-standard discounts to save on car insurance rates, such as paperless billing or multi-line discounts when you bundle more than one policy. Here are a couple of the company’s more unique discounts that reflect the carrier’s forward-thinking and innovation.

    Advanced Safety Features Discount

    If you have a newer-model vehicle with advanced safety features such as driver assistance, electronic stability control and adaptive headlights, you could qualify to save on your insurance with Liberty Mutual.

    Alternative Energy Discount

    Teslas, Prius models, Nissan Leafs and all other vehicles that are fueled by alternative energy will receive a reduction in premiums.

    RightTrack

    When you enroll in the RightTrack program with Liberty Mutual and drive responsibly, you can earn as much as 30% off your car insurance. Even better, you’ll receive a discount just for enrolling.

    Liberty Mutual auto insurance premium length

    Liberty Mutual only offers annual premiums. Some insurers may provide a 6-month, semi-annual policy to provide more customer flexibility. Shorter policy terms mean you could potentially lose any discounts you received at initial sign up when it’s time to renew, or see an increase in rate sooner. 

    Although a shorter policy length makes it easier to switch carriers, the option may not be the best idea unless you foresee your credit improving short term or items being removed from your driving record which could improve your standing with the insurer and reduce your premiums. With a 12-month policy, your rate is locked in and you can expect no surprises.

    Liberty Mutual vs. other insurance companies

    Coverage looked at the region of availability, discounts offered, claims satisfaction/customer satisfaction and financial strength ratings to compare Liberty Mutual to other major providers. 

    Liberty Mutual vs Progressive

    Both Liberty Mutual and Progressive offer a variety of customizable coverage nationwide. Progressive tends to score higher with customers than Liberty Mutual, but Liberty Mutual outperforms Progressive when it comes to online experience and mobile app functionality. Progressive earned an “A+” rating in financial stability from AM Best, edging out Liberty Mutual’s “A” score. Comparing quotes from these providers may ultimately sway the choice for you in which is a better fit.

    Liberty Mutual vs The Hartford

    Liberty Mutual and The Hartford both have similar customer ratings from J.D. Power. Liberty Mutual ranks in all regions while The Harford only makes the list in a couple, due to overall size. Both are stable, reputable insurance companies providing a solid lineup of insurance products. Liberty Mutual may be the more affordable of the two, as The Hartford specializes in higher-value car insurance and full insurance packages. However, a quick quote comparison can give you a more accurate picture of rates for your needs.

    Liberty Mutual mobile app and digital experience

    Liberty Mutual is at the forefront of innovation. You can handle most of your insurance needs from the easy-to-navigate website or mobile app. Some of the best features for policy management on the mobile app include:

    • Access your account, ID card and documents
    • Make payments through your bank or by using a credit or debit card
    • File claims, upload images and even get repair quotes through the app
    • Request a rental vehicle after an accident
    • Contact emergency roadside assistance
    • Electronically sign documents

    In the spotlight

    • One of the best digital experiences from any insurance company.
    • Customizable coverage that’s as easy as selecting and deselecting policy components on your policy to adjust your insurance cost
    • Electric-vehicle friendly coverage for Tesla and other green drivers.
    • The Liberty Mutual Foundation helps struggling families in the Boston, Seattle and Dallas area.

    Liberty Mutual is banking on innovation to help propel growth into the next century. If you’re looking for a car insurance company with a robust mobile and online experience and customizable car insurance that can be adapted to your needs, you’ll likely enjoy the carrier’s services.

    When considering car insurance, be sure to get a Liberty Mutual auto insurance quote, as well as quotes from other carriers. Even if your heart is set on a specific company, it may be worth your while to get a general idea of how much your insurance would cost you across a few carriers. There’s no commitment to getting a quote but the information could be helpful when it’s time to make a decision.

    Cynthia Paez Bowman

    Writer

    Cynthia splits her time between Los Angeles, CA and San Sebastian, Spain. She travels to Africa and the Middle East regularly to consult with women’s NGOs about small business development.

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