Liberty Mutual Review & Ratings (2024)

Our professional resource provides expert insights on various insurance topics such as auto, home, renters, and more. Stay updated with the latest industry trends, understand policy options, and learn about insurance claims and coverage details. Trust Liberty Mutual Insurance to guide you through the complexities of insurance, empowering you to protect what matters most with confidence.

UPDATED: Nov 28, 2023Fact Checked

Maria Hanson

Insurance and Finance Writer

Maria Hanson grew up with a unique passion and understanding of both the automotive and insurance industries. With one grandfather in auto mechanics and another working in insurance, you could say automotive insurance is in her blood. Her love of research and finance serves her well in studying insurance trends and liability.  Maria has expanded her scope of expertise to home, health, and life...

Insurance and Finance Writer

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

UPDATED: Nov 28, 2023

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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

UPDATED: Nov 28, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Nov 28, 2023Fact Checked
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Liberty Mutual Insurance

Average monthly rate for good drivers:

$174

A.M. Best rating:

A

Complaint level:

Low

Pros

  • Good customer service
  • Competitive prices
  • Comprehensive coverage options
  • Convenient mobile app

Cons

  • Claims handling issues
  • Pricing discrepancies
  • Limited availability
  • Aggressive sales tactics

Final Verdict: Review of Liberty Mutual Insurance

If you’re in the market for car insurance, you may have come across Liberty Mutual Insurance in your search. Founded in 1912, Liberty Mutual has a long history of providing insurance products to customers across the United States.

The company offers a range of insurance products, including auto, home, and life insurance, as well as a variety of discounts to help customers save on their premiums. One of the strengths of Liberty Mutual is its customer service team, which many customers have reported as being helpful and responsive. Additionally, the company offers a convenient mobile app that allows customers to manage their policies and file claims easily.

Liberty Mutual also provides comprehensive coverage options and competitive pricing, making it a good option for many customers. However, there are some potential downsides to consider. Some customers have reported difficulty with Liberty Mutual’s claims handling process, as well as unexpected increases in premiums.

Additionally, while the company offers insurance products in all 50 states, some customers have reported difficulty finding a local agent or accessing certain coverage options in their area.

What You Should Know About liberty mutual insurance

Welcome to our comprehensive insurance resource center, dedicated to providing you with valuable insights and information to help you navigate the world of insurance with confidence. At Liberty Mutual Insurance, we understand the importance of making informed decisions when it comes to protecting your assets and loved ones.

We cover a wide range of key topics, including auto insurance, home insurance, renters insurance, and more. You’ll find expert advice on understanding policy options, navigating insurance claims, and staying up-to-date with industry trends.

Liberty Mutual Insurance History and Mission

Liberty Mutual is a global insurance company that was founded in 1912. The company’s mission is to help people live safer, more secure lives by providing them with the protection they need. Liberty Mutual prides itself on its customer service and the quality of its products.

The company was founded in Boston, Massachusetts, by James H. Wibberley, a businessman who saw a need for a new kind of insurance company that could provide more affordable coverage to the average person. Wibberley believed that insurance should be available to everyone, not just the wealthy.

From its early days, Liberty Mutual was known for its commitment to innovation and customer service. In 1914, the company introduced the first automobile insurance policy in the United States, and in the years that followed, it continued to expand its offerings to meet the changing needs of its customers.

Today, Liberty Mutual is one of the largest insurance companies in the world, with operations in more than 30 countries. The company offers a wide range of insurance products, including car, home, and life insurance, as well as coverage for businesses and employees.

liberty mutual insurance Insurance Coverage Options

Liberty Mutual offers a range of insurance products and coverage options to meet the needs of its customers. Here are some of the main types of insurance coverage that Liberty Mutual offers:

  • Auto insurance: Liberty Mutual provides auto insurance coverage that includes liability, collision, and comprehensive coverage. They offer several different discounts, such as safe driver, and multi-car, which can help customers save money on their premiums.
  • Home Insurance: Liberty Mutual offers home insurance that covers the structure of the home, personal property, and liability. They also offer additional coverage options, such as flood insurance and earthquake insurance, to help customers protect their homes from natural disasters.
  • Renters insurance: Liberty Mutual provides renters insurance to protect customers’ personal property, liability, and loss of use. They also offer optional coverage, such as jewelry insurance and identity fraud expense coverage, to provide additional protection.
  • Life insurance: Liberty Mutual offers several types of life insurance, including term life insurance, whole life insurance, and universal life insurance. They also provide coverage options, such as accidental death and dismemberment insurance and disability income insurance, to help customers protect their income in the event of an accident or disability.
  • Business insurance: Liberty Mutual offers insurance coverage for businesses of all sizes, including general liability, property, workers’ compensation, and commercial auto insurance. They also provide customized coverage options, such as cyber insurance and professional liability insurance, to meet the unique needs of individual businesses.

States Where Liberty Mutual Insurance is Provided

Liberty Mutual provides insurance products in all 50 U.S. states, as well as in the District of Columbia. However, the specific products and coverage options that are available can vary by state.

Here are the seven steps on how to locate the states where Liberty Mutual provides insurance:

  • Go to the Liberty Mutual website.
  • Click on the “Insurance” tab in the main menu.
  • Select the type of insurance you are interested in, such as “Auto” or “Home.”
  • Click on the “Learn More” button for the type of insurance you selected.
  • Scroll down to the bottom of the page and click on the “View All States” link.
  • This will bring up a map of the United States with the states where Liberty Mutual provides insurance highlighted in blue.
  • Customers can also click on individual states to learn more about the specific insurance products that are available in that state.

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liberty mutual insurance Insurance Rates Breakdown

The cost of Liberty Mutual’s insurance products varies depending on a variety of factors. Some of the factors that can affect the cost of Liberty Mutual’s insurance include the following:

  • Type of insurance: The cost of each type of insurance offered by Liberty Mutual can vary. For example, auto insurance may be more expensive than renters insurance, due to the different levels of coverage and risk associated with each type of policy.
  • Coverage amount: The cost of insurance can also vary depending on the amount of coverage you choose. The more coverage you have, the higher your premium will be.
  • Deductible: The amount of your deductible can also affect the cost of your insurance. A higher deductible may result in a lower premium, but it also means you’ll pay more out of pocket in the event of a claim.
  • Location: The cost of insurance can vary depending on the location of the insured. For example, car insurance premiums may be higher in areas with higher rates of accidents or theft.
  • Discounts: Liberty Mutual offers a range of discounts to help customers save money on their insurance premiums. These discounts include safe driver, multi-car, and bundling discounts, among others.

liberty mutual insurance Discounts Available

Liberty Mutual offers a range of discounts to help customers save money on their insurance premiums. Here are some of the main discounts that are available through Liberty Mutual:

  • Safe driver discount: Customers who have a good driving record with no accidents or violations can qualify for a safe driver discount.
  • Multi-car discount: Customers who insure multiple vehicles with Liberty Mutual can qualify for a multi-car discount.
  • Bundling discount: Customers who bundle their auto and home insurance policies with Liberty Mutual can qualify for a bundling discount.
  • Hybrid vehicle discount: Customers who own a hybrid or electric vehicle can qualify for a discount on their auto insurance premium.
  • New vehicle discount: Customers who purchase a new vehicle may qualify for a discount on their auto insurance premium.
  • Good student discount: Students who maintain a B average or better can qualify for a good student discount on their auto insurance premium.
  • Home safety features discount: Customers who have certain safety features in their home, such as smoke detectors or a security system, can qualify for a discount on their home insurance premium.
  • Group savings discount: Liberty Mutual partners with certain organizations to offer group savings discounts to members of those organizations.

Efficient Liberty Mutual Services Claim Process: Filing Made Simple

Ease of Filing a Claim

Liberty Mutual Insurance provides policyholders with multiple convenient methods for filing insurance claims. Customers can choose to file a claim online through the company’s website, making it a hassle-free process. Alternatively, claims can be submitted over the phone or via mobile apps for added flexibility and accessibility.

Average Claim Processing Time

While the specific processing time for claims with Liberty Mutual Insurance may vary depending on factors such as the nature and complexity of the claim, the company is dedicated to ensuring prompt processing. Policyholders can expect timely updates and communication throughout the claims-handling process, facilitating a smooth and efficient experience during what can be a challenging time.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback regarding claim resolutions and payouts with Liberty Mutual Insurance is mixed. Some policyholders have expressed satisfaction with the company’s responsiveness and fair settlements. However, there have been reports of challenges and delays in certain cases.

Prospective customers should consider various factors when evaluating claims experiences, including the specific circumstances and complexities involved.

Liberty Mutual: Cutting-Edge Digital and Technological Features for Policyholders

Mobile App Features and Functionality

Liberty Mutual Insurance offers a feature-rich mobile app designed to enhance the overall insurance experience. The app provides policyholders with convenient access to their insurance-related information, including policy details, coverage documents, and digital ID cards.

Furthermore, the app streamlines the claims filing process, allowing users to submit necessary information and documents directly through their mobile devices. It also includes features for bill payment and policy management, making it a valuable tool for policyholders on the move.

Online Account Management Capabilities

Liberty Mutual Insurance’s online account management platform empowers policyholders with comprehensive self-service capabilities. Through the user-friendly online portal, customers can efficiently manage their policies, review coverage specifics, make payments, and update personal information.

The platform also offers access to essential documents and policy-related information, ensuring that policyholders have all the necessary resources at their disposal.

Digital Tools and Resources

Liberty Mutual Insurance provides an array of digital tools and resources to assist policyholders with their insurance needs. These resources include informative articles, educational materials, and a repository of frequently asked questions designed to enhance policyholders’ understanding of their insurance policies and related topics.

The company’s website serves as a valuable resource hub for policyholders seeking guidance and information on various insurance matters.

How liberty mutual insurance Ranks Among Providers

Liberty Mutual Insurance, established in 1912, operates globally with a presence in over 30 countries. The company is dedicated to helping individuals lead safer lives by providing a comprehensive suite of insurance products, covering auto, home, renters, life, and business insurance.

Competitors:

State Farm: State Farm, a leading U.S. insurance company, is recognized for its extensive network of agents and competitive rates. It competes directly with Liberty Mutual, particularly in the auto and home insurance sectors.

Allstate: A major player in the insurance industry, Allstate offers a diverse range of coverage options. Like Liberty Mutual, Allstate emphasizes customer service and provides various discounts, making it a key competitor.

Progressive: Progressive, a prominent auto insurance company, is known for innovation and competitive rates. While its primary focus is on auto insurance, it competes with Liberty Mutual, especially in technological features and online services.

Geico: Geico, renowned for its humorous advertising campaigns, is a significant player in the auto insurance market. It directly competes with Liberty Mutual in this sector, often highlighting simplicity and competitive pricing.

Liberty Mutual faces competition from State Farm, Allstate, Progressive, and Geico. Each competitor brings unique strengths and focuses, with Liberty Mutual standing out for its global presence and diverse insurance offerings. Understanding the distinctions among these companies is crucial for individuals seeking insurance coverage tailored to their needs.

Customer Reviews of Liberty Mutual Insurance

Customer reviews of Liberty Mutual Insurance are generally mixed, with both positive and negative feedback. Here are some of the strengths and weaknesses that customers have reported:

Strengths:

  • Good customer service: Many customers have reported positive experiences with the Liberty Mutual customer service team, noting that representatives are helpful and responsive.
  • Competitive prices: Some customers have reported that Liberty Mutual offers competitive prices for their insurance products, particularly when bundled with other policies.
  • Comprehensive coverage options: Liberty Mutual offers a wide range of insurance products, and customers appreciate the variety of coverage options available.
  • Convenient mobile app: Liberty Mutual mobile app allows customers to manage their policies and file claims easily, which many customers find convenient.

Weaknesses:

  • Claims handling issues: Some customers have reported difficulty with Liberty Mutual’s claims handling process, including delays in processing claims and disputes over coverage.
  • Pricing discrepancies: Some customers have reported that their premiums increased unexpectedly without explanation or that the initial quote they received was not accurate.
  • Limited availability: While Liberty Mutual offers insurance products in all 50 states, some customers have reported difficulty finding a local agent or accessing certain coverage options in their area.
  • Aggressive sales tactics: Some customers have reported feeling pressured by the Liberty Mutual sales team to purchase additional coverage or add-ons.

Frequently Asked Questions

What is Liberty Mutual Insurance?

Liberty Mutual Insurance is a global insurance company that provides a range of insurance products, including car, home, and life insurance, as well as coverage for businesses and employees.

What states does Liberty Mutual Insurance provide coverage in?

Liberty Mutual Insurance provides insurance products in all 50 U.S. states, as well as in the District of Columbia. However, the specific products and coverage options that are available can vary by state.

What are some of the coverage options offered by Liberty Mutual Insurance?

Liberty Mutual Insurance offers a range of coverage options, including liability coverage, collision coverage, comprehensive coverage, personal injury protection, and uninsured/underinsured motorist coverage.

How much does Liberty Mutual Insurance cost?

The cost of Liberty Mutual Insurance products varies depending on a variety of factors, including the type of coverage, the amount of coverage, the driver’s age and driving record, the make and model of the car, and the location of the insured.

What discounts are available through Liberty Mutual Insurance?

Liberty Mutual Insurance offers a range of discounts to help customers save money on their insurance premiums. Some of the main discounts that are available include multi-policy discounts, safe driver discounts, and accident-free discounts.

What are some of the strengths of Liberty Mutual Insurance?

Some of the strengths of Liberty Mutual Insurance include its long history in the industry, its range of coverage options, its competitive pricing, its convenient mobile app, and its helpful customer service team.

What are some of the weaknesses of Liberty Mutual Insurance?

Some potential downsides to consider when choosing Liberty Mutual Insurance include difficulty with claims handling, unexpected increases in premiums, and limited availability of certain coverage options in certain areas.

How can I get a quote for Liberty Mutual Insurance?

You can get a quote for Liberty Mutual Insurance by visiting their website and entering your information, or by contacting a local agent. You can also compare quotes from multiple insurance companies by using an online comparison tool.

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Maria Hanson

Insurance and Finance Writer

Maria Hanson grew up with a unique passion and understanding of both the automotive and insurance industries. With one grandfather in auto mechanics and another working in insurance, you could say automotive insurance is in her blood. Her love of research and finance serves her well in studying insurance trends and liability.  Maria has expanded her scope of expertise to home, health, and life...

Insurance and Finance Writer

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Reviews
for liberty mutual insurance

3.95 (3,605 reviews)
1
February 6, 2024

Ca_Issacs

Trash company

Absolutely no communication between the company, and I regardless of them having me give them 3 separate means to communicate with me. Trash company.
1
September 25, 2023

Mikem72262

Liberty is an over charging company

I went to cancel my home and auto policies I have with Liberty cause I found other insurance companies have better rates for the same coverage. On both my policies the coverage is the same or better than I have now and the total cost is now going to be HALF of what I was paying with Liberty. When I called to cancel I was then told that Liberty charges a $150 charge to cancel my policy (no other company charges this that I have had). This is no wh...
I went to cancel my home and auto policies I have with Liberty cause I found other insurance companies have better rates for the same coverage. On both my policies the coverage is the same or better than I have now and the total cost is now going to be HALF of what I was paying with Liberty. When I called to cancel I was then told that Liberty charges a $150 charge to cancel my policy (no other company charges this that I have had). This is no where shown in the policy about this charge to cancel. JUST ANOTHER WAY LIBERTY IS SCREWING IT'S CUSTOMERS!!!! I would tell anybody looking for insurance to try other companies if you want a better price!!!! Customer service even will tell you the company has NEVER reduced it's prices.
1
September 12, 2023

Brian_B

Don't ever expect help if you need it.

My car was damaged (rear end) by someone with Liberty Mutual Insurance 108 days ago. I have continually left messages with the Liberty claims representative and can't even get a phone call back. I wouldn't recommend this company to anyone looking for any sort of customer service.
1
July 31, 2023

Jayden09_

NO SECOND CHANCES FOR LOYAL CUSTOMERS!!!

I wasn't able to pay my bill all at once so I called Liberty Mutual for more time. The woman I talked to told me that I would have 40 days to pay my balance and 2 weeks later I was sent a check for half of what I had paid. When I called to see why, the person I talked to said the woman had informed me of the wrong dates and that now to rewrite a policy I would have to pay for the whole year in advance. So when Liberty Mutuals employees give you t...
I wasn't able to pay my bill all at once so I called Liberty Mutual for more time. The woman I talked to told me that I would have 40 days to pay my balance and 2 weeks later I was sent a check for half of what I had paid. When I called to see why, the person I talked to said the woman had informed me of the wrong dates and that now to rewrite a policy I would have to pay for the whole year in advance. So when Liberty Mutuals employees give you the wrong information they punish you after being a loyal customer for 2 years. Most people can't afford to pay for a whole year of coverage right now.
1
June 16, 2023

Tucky

Paying my Auto Insurance in the rears?

I've been trying to find out HOW I BEGAN MY AUTO INSURANCE WITH Randy Watkins in Florence KY. I began a auto policy in 2021 . I recently found out that I have been paying a rearrange policy . I've found a better rate with a different company other than Liberty Mutual. I have as told by Randy Watkins that I got a better rate on auto insurance due to knowing a Guaranteed Rate sales person Myron Fears.im not sure How that worked. However, I can't f...
I've been trying to find out HOW I BEGAN MY AUTO INSURANCE WITH Randy Watkins in Florence KY. I began a auto policy in 2021 . I recently found out that I have been paying a rearrange policy . I've found a better rate with a different company other than Liberty Mutual. I have as told by Randy Watkins that I got a better rate on auto insurance due to knowing a Guaranteed Rate sales person Myron Fears.im not sure How that worked. However, I can't figure out how I started a policy and now that I'm no longer going to be with Liberty Mutual and I told Randy that I wanted to stop my auto payment. That's when I was told that when I requested to stop that I find that I will owe Liberty Mutual a rearage of $90+! He said I elected the pay date. I'm certain that when. I signed up I paid money up front to start the policy. I've asked him to find the original payment and havent gotten an answer. Who do you know that pays insurance in the rears??
1
May 18, 2023

Zzzzzzz6969

Run away become they will cancel you

After 2 years of having car insurance with this is Company. Liberty Mutual had decided to cancel my insurance with them. Just because an animal had gotten in my way of driving on the highway and unfortunately hit the animal. I don't understand why they had cancel my policy when the accident happened about 2 years ago. I don't recommend liberty Mutual at all for they will cancel you for no good reason and not giving a good reason. I payed my bill ...
After 2 years of having car insurance with this is Company. Liberty Mutual had decided to cancel my insurance with them. Just because an animal had gotten in my way of driving on the highway and unfortunately hit the animal. I don't understand why they had cancel my policy when the accident happened about 2 years ago. I don't recommend liberty Mutual at all for they will cancel you for no good reason and not giving a good reason. I payed my bill on time and my deduction for the accident. I did my share of the game. They don't play nice at all. They play people. Run!
2
April 20, 2023

NG1989

Appraisers short change customers

Beware of malpractice with this company. I had damage from another vehicle and took it to a certified body shop. Liberty mutual appraiser was a total pain to negotiate with. He essentially only approve 25% of the repairs necessary to retain my manufacturer warranty on a brand new vehicle. If you are looking for solid coverage of a nice car, maybe think twice because this insurance will short change you and they don’t care about customers. Appra...
Beware of malpractice with this company. I had damage from another vehicle and took it to a certified body shop. Liberty mutual appraiser was a total pain to negotiate with. He essentially only approve 25% of the repairs necessary to retain my manufacturer warranty on a brand new vehicle. If you are looking for solid coverage of a nice car, maybe think twice because this insurance will short change you and they don’t care about customers. Appraiser I had was unreasonable. I’m filing a complaint with the state.
1
March 28, 2023

M__Atif

Terrible Company when it comes to honor their liability

Terrible company when it comes to honor their liability for other automobilists. Their driver crossed right light, destroyed my vehicle and liberty mutual denied my claim. First, for months they did not respond our emails. Than I called and their agent [REDACTED NAME] Bechard asked me to email her the details of the accident. another two months passed and again, no response from her. I called again and she was like, let me check your email and sa...
Terrible company when it comes to honor their liability for other automobilists. Their driver crossed right light, destroyed my vehicle and liberty mutual denied my claim. First, for months they did not respond our emails. Than I called and their agent [REDACTED NAME] Bechard asked me to email her the details of the accident. another two months passed and again, no response from her. I called again and she was like, let me check your email and said, your claim is denied. She decided in few seconds after checking my email. In fact she never read my emails, just wanted to give me false hope. They could do investigation, they could read my emails, they could go through pictures but hey had already decided to deny my claim. They knew that I do not have a camera in my car or any witness. I am an Uber driver, I lost my car, and my job because of this accident. I had to borrow money from friends to purchase another car and I still owe money. Just because I cannot prove it, does not mean it did not happened. I could not do anything so just writing this review.
1
March 20, 2023

pstringer818_gmail_com

WARNING!

WARNING!!!! FIND ANOTHER INSURANCE COMPANY! Will gladly take your money but after 30+ years when we needed them, it has been a nightmare!!!!
1
March 2, 2023

Mzvlt63

Ridiculous cancelation reason

They sent me a letter stating they could not renew my insurance because I used the roadside assistant to get a tire changed. I had this insurance for 2 years and I never missed a payment or filed an accident claim. I was blindsided by this so I has to scrabble for insurance to cover my new vehicle.
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