Liberty Mutual Car Insurance Review 2024 Liberty Mutual provides a wide range of optional coverage features and generous discounts. It has both usage-based and pay-per-mile insurance programs, although its above-average number of car insurance complaints may discourage some. We rate Liberty Mutual a 9.1 out of 10.0 and recognize it for having Good Programs for Young Drivers in 2024. The overall rating of “9.1” was aggregated from the company’s performance across five key categories for car insurance: cost, coverage, reputation, availability and customer experience.
| Overall Rating | 9.1 |
|---|---|
| Industry Standing | 8.9 |
| Availability | 10.0 |
| Coverage | 9.5 |
| Cost | 9.0 |
| Customer Experience | 8.2 |
Liberty Mutual Car Insurance Review 2024
In 2024, Liberty Mutual continues to be a reliable option for car insurance. With a strong reputation and a wide range of coverage options, they strive to meet the needs of their customers. Liberty Mutual offers various types of coverage, including liability, collision, comprehensive, and more. They also provide additional benefits such as roadside assistance and rental car reimbursement. In terms of customer service, Liberty Mutual is known for its helpful and responsive agents who are available to assist with any questions or concerns. Overall, Liberty Mutual remains a trusted choice for car insurance in 2024.
Liberty Mutual Car Insurance Pros And Cons
When it comes to car insurance, Liberty Mutual is a popular choice for many drivers. Like any insurance company, there are pros and cons to consider before making a decision. One of the major advantages of Liberty Mutual is their extensive coverage options, which can be customized to meet your specific needs. They also offer various discounts that can help you save money on your premiums. However, some customers have reported issues with customer service and claims processing, which is something to keep in mind. Overall, it’s important to carefully weigh the pros and cons of Liberty Mutual car insurance and compare them with other providers to ensure you make the best choice for your individual circumstances.
Pros
- Offers gap insurance, which is helpful to those financing or leasing a car.
- New car replacement is available for drivers with a new car and better car replacement for those whose car is over a year old.
- Offers teachers customized auto insurance coverage.
- Has a usage-based insurance program (RightTrack), which can help good drivers reduce their car insurance rates.
Cons
- Has higher-than-average car insurance complaints reported against it with state insurance regulators.
- Received a D+ grade from auto body professionals for its claims procedures.
About Liberty Mutual Car Insurance 2024
Liberty Mutual provides a variety of insurance options, such as car insurance, homeowners insurance, renters insurance, condo insurance, life insurance, and pet insurance. Established in 1912, Liberty Mutual initially focused on workers’ compensation insurance before expanding to include auto insurance in 1918. The company’s commitment to highway safety led to a collaboration with Cornell in 1957 to develop a “safety car.” With its headquarters in Boston, Liberty Mutual offers insurance services in 29 countries and acquired Safeco Insurance in 2008, followed by the addition of Safe Auto Group to its portfolio in 2022. Liberty Mutual’s car insurance is accessible nationwide, including Washington, D.C.
When it comes to car insurance, Liberty Mutual is a trusted name that has been providing coverage for decades. In this Liberty Mutual car insurance review for 2024, we will take a closer look at the offerings and features of their policies. Liberty Mutual offers a range of coverage options to suit different needs and budgets. They provide standard coverage such as liability, collision, and comprehensive, as well as additional options like roadside assistance and rental car reimbursement. With their online tools and mobile app, managing your policy and filing claims is simple and convenient. Overall, Liberty Mutual is a reliable choice for car insurance with competitive rates and excellent customer service.
Is Liberty Mutual Good?
If you’re looking for car insurance, Liberty Mutual is worth considering. It offers a range of car insurance coverage options and discounts, making it one of the most affordable providers we found for young drivers.
Liberty Mutual Car Insurance
Liberty Mutual, like most car insurance companies, offers several foundational types of auto insurance. These include liability coverage, collision coverage, and comprehensive coverage. Liability coverage helps pay for damages or injuries caused by you to another person or their property, while collision coverage pays for damages to your vehicle in an accident. Comprehensive coverage protects against non-collision incidents such as theft, vandalism, or natural disasters. In addition to these basic coverages, Liberty Mutual also offers optional add-ons such as roadside assistance and rental car reimbursement.
Liability Car Insurance
Liability car insurance is a type of coverage that pays for injuries and property damage that you accidentally cause to others in a car accident. This insurance also covers legal fees and court judgments or settlements if you are sued due to a car accident. It is important to note that liability car insurance only covers damages or injuries to other people and their property, not your own. Having liability coverage is mandatory in most states, so it is crucial to have this type of insurance to avoid legal penalties and financial burdens in case of an accident. Additionally, it is recommended to have higher liability limits than the minimum required by law to ensure adequate protection in case of a severe accident.
Comprehensive Insurance
Comprehensive insurance covers the cost of repairing or replacing your vehicle in case of theft or damage from fire, vandalism, floods, hail, severe weather, falling objects, or collision with an animal. The maximum amount paid for comprehensive insurance is the current cash value of your car, minus the deductible, if it is deemed a total loss.
Collision Insurance
Collision coverage will cover the cost of repairing or replacing your vehicle in the event of an accident or collision with another object, regardless of fault. The maximum payout for collision coverage is the actual cash value of your car, minus the deductible. It is often sold in combination with comprehensive insurance and may be required by your lender or leasing company if you have a car loan or lease.
Uninsured/Underinsured Motorist Coverage
Uninsured motorist coverage (UM) assists in covering medical expenses for you and your passengers, as well as damage to your vehicle in the event of a collision with an uninsured driver. UM is mandatory in certain states and voluntary in others (you have the option to decline coverage in writing). Underinsured motorist coverage helps cover medical expenses for you and your passengers, as well as damage to your vehicle, if you are hit by a driver with inadequate liability car insurance.
Medical Payments Insurance (MedPay)
Medical payments coverage, also known as MedPay, is a type of insurance that pays for medical expenses incurred by you and your passengers in case of an auto accident, irrespective of who is at fault. It is usually sold in small amounts ranging from $1,000 to $5,000. However, it’s important to note that MedPay is not available in all states. This coverage can be extremely beneficial as it can help cover medical expenses that may not be fully covered by your health insurance or personal injury protection (PIP) policy. In addition, it can also provide timely access to medical care without the need for lengthy legal proceedings to determine fault in the accident.
Personal Injury Protection (PIP)
Personal injury protection insurance (PIP) covers medical expenses for you and your passengers in the event of an auto accident, regardless of fault. PIP also includes compensation for lost wages and replacement services for household tasks if you are unable to perform them. PIP is mandatory in 15 states, optional in four states and Washington D.C., and not offered in other states.
Other Liberty Mutual Car Insurance Coverage
While Liberty Mutual offers standard car insurance coverage options like liability, collision, and comprehensive insurance, they also provide additional coverage options that cater to the unique needs of their customers. One such option is rental car reimbursement coverage, which can help cover the cost of a rental car while your vehicle is being repaired after an accident. Another option is new car replacement coverage that provides a brand new car if your vehicle is totaled within the first year or 15,000 miles of ownership. Additionally, Liberty Mutual offers better car replacement coverage that replaces your car with one that has fewer miles or is in better condition than your previous vehicle. These additional coverage options can provide added peace of mind and protection for drivers.
Lifetime Repair Guarantee
A lifetime warranty for repairs is included in every Liberty Mutual car insurance policy. If you have an accident or incident covered by your policy, the repairs are guaranteed for the duration of your ownership of the car when you choose a Liberty Mutual repair network shop. Additional benefits include direct payment to the shop by Liberty Mutual for the repairs and the option to monitor the repair progress through Liberty Mutual’s app.
Original Parts Replacement
You can use original equipment manufacturer (OEM) parts to replace damaged components covered by your collision or comprehensive coverage. If OEM parts are not available, Liberty Mutual car insurance will cover comparable or reconditioned parts.
Rental Car Reimbursement
Should your vehicle require repairs following an accident or any other issue covered by your car insurance, the rental reimbursement coverage will cover the cost of a rental car. The coverage terms differ by state and include daily limits. If you opt for an authorized repair facility and allow Liberty Mutual to handle the rental car arrangements, the coverage will continue until the repairs are finished. Otherwise, there may be restrictions on the duration for which you can utilize the rental car.
Roadside Assistance
Liberty Mutual offers 24-hour optional roadside assistance coverage for disabled cars, also known as towing & labor coverage, which includes towing to a repair facility, battery jump starts, flat tire changes, emergency fuel delivery, and assistance with unlocking doors.
Liberty Mutual Customized Car Insurance for Teachers
- Collision coverage deductible lowered to $0 if your car is damaged in a collision when driving on school business. The deductible is only reduced to $100 in Pennsylvania.
- Vandalism loss protection lowers your comprehensive coverage deductible to $0 if your car is vandalized on school property or at school-related events. The deductible is only reduced to $100 in Pennsylvania.
- Personal property coverage of up to $2,500 for teaching materials or school-owned property damaged in or stolen from your vehicle.
Auto Insurance Complaints Against Liberty Mutual
According to recent data, Liberty Mutual’s auto insurance has received a higher level of complaints than the industry average. The majority of these complaints are related to unsatisfactory claim settlements, delays in claims processing, and the handling of claims by adjusters. It is essential for insurers to prioritize prompt and fair claim resolution to ensure customer satisfaction. A good claims experience can be a crucial factor in determining whether a policyholder stays with their current insurer or seeks coverage elsewhere. Therefore, insurance companies must focus on improving their claims handling processes to meet their customers’ expectations.
What Does Liberty Mutual Car Insurance Cover?
Liberty Mutual car insurance provides policyholders with a range of additional coverage options to enhance the protection offered by their base policy. These add-ons include options such as Accident Forgiveness, which ensures that your premium won’t increase after one accident, and New Car Replacement, which replaces a totaled car with a brand new one if it’s less than a year old. Other popular options include Roadside Assistance, Rental Car Reimbursement, and Better Car Replacement. By adding these features to your policy, you can enjoy greater peace of mind knowing that you’re protected against unexpected events on the road.
Does Liberty Mutual Offer Accident Forgiveness?
Certainly, Liberty Mutual provides the option of accident forgiveness coverage to prevent your rates from increasing following your initial accident. To be eligible for Liberty Mutual’s accident forgiveness coverage, you need to have a clean record without any accidents or violations for the past five years.
Does Liberty Mutual Offer a Diminishing Deductible?
Certainly, Liberty Mutual provides a diminishing deductible through its deductible fund, which allows drivers to reduce their deductible amount by $100 each year for a $30 annual participation fee. If a claim is made, the deductible is decreased by the available balance in the deductible fund. For instance, if a participant has a $500 deductible and has been contributing to the fund for three years, their deductible would be reduced to $200 after an accident, with the deductible fund covering the remaining $300.
Does Liberty Mutual Offer Gap insurance?
Car owners who lease or finance their vehicles can benefit from Liberty Mutual’s gap insurance. This coverage is designed to bridge the gap between your car’s value and the remaining balance on your lease or loan if it is stolen or declared a total loss. Without gap insurance, you may have to pay out of pocket to cover the difference between what your car is worth and what you owe. Gap insurance can provide peace of mind and financial protection in case of unexpected events that can lead to significant expenses. It is important to note that not all auto insurance companies offer gap insurance, so it’s best to check with your provider or shop around for policy options.
Does Liberty Mutual Offer New Car Replacement?
Liberty Mutual provides a new car replacement coverage for new car buyers, offering to provide funds for the purchase of a new car of the same make and model if the car is totaled or stolen within the first year of ownership or before reaching 15,000 miles. If the car is one year or older, a “better car replacement” coverage is available, which provides funds to replace the car with one that is a model year newer and with 15,000 fewer miles.
Does Liberty Mutual Offer Usage-Based Auto Insurance?
Participating in Liberty Mutual’s RightTrack usage-based insurance program allows drivers to potentially save between 10% and 30% on their car insurance premiums if they exhibit good driving habits. During a 90-day review period, RightTrack assesses driving practices including braking, nighttime driving, acceleration, and mileage.
A minimum of 125 miles must be driven during this period to gather sufficient data for the final discount. Upon enrollment, drivers typically receive an initial discount of 10%. It’s important to note that if the final discount is lower than the original discount, the driver will be billed for the difference. In New York, drivers are required to use a device for monitoring their driving, while a smartphone app is used in other states. Availability of RightTrack varies by state.
Does Liberty Mutual Car Insurance Offer Rideshare Insurance?
Liberty Mutual collaborates with Lyft and Uber to offer rideshare insurance in specific states. Uber has selected Liberty Mutual to provide insurance for its drivers in Connecticut, Maine, Massachusetts, New Hampshire, Puerto Rico, Rhode Island, South Carolina, and Vermont. Similarly, Lyft has chosen Liberty Mutual to provide insurance for drivers using the Lyft rideshare platform in Arizona, Michigan, New Mexico, Texas, and Utah. Liberty Mutual offers car insurance coverage from the moment ridesharing drivers open the app and wait for a trip request until the trip is completed.
Liberty Mutual Auto Insurance Discounts
Accident-free discount: You can save if you have a driving record free of accidents.
Accident prevention course discount: In some states, if you complete an approved accident prevention driver course you earn a discount.
Advanced safety features discount: If your car comes with adaptive headlights, anti-lock brakes or electronic stability control, you may be eligible for a discount.
Alternative energy discount: Hybrid or electric car owners can receive a discount.
Anti-theft discount: If your car has anti-theft technology, you qualify for a discount on your car insurance.
Claims-free discount: Drivers without claims on their driver’s record can see a savings.
Early shopper discount: Save when you get a quote and buy with Liberty Mutual before your current auto insurance policy elsewhere expires.
Good student discount: If you have a full-time student who has a B average or better, this discount rewards you for their hard work.
Homeowner discount: If you own a home, you could qualify for savings.
Military discount: If you’re a retired or active military member or in the reserves, you can benefit from a discount from Liberty Mutual as a thank you for your service.
Multi-car discount: You can save if you insure more than one car with Liberty Mutual.
Multi-policy discount: Receive a discount if you have more than one insurance policy with Liberty Mutual
Online purchase discount: You can earn a discount when you buy your car insurance policy online and sign your paperwork electronically.
Paperless policy discount: Go paperless and qualify for a discount.
Pay-in-full discount: Save when you pay for your auto insurance policy in one or two installments.
Preferred payment discount: You can save time and money when you schedule automatic payments from your bank account.
Student-away-at-school discount: If your child is away at school and only drives your car occasionally, you can save money on your auto insurance policy.
Violation-free discount: If you have a violation-free driving record, you’ll receive a discount.
Farm Bureau Car Insurance Review
Liberty Mutual Offers Month-to-Month Car Insurance With Autonomy Partnership
Liberty Mutual has teamed up with Autonomy, an electric vehicle subscription company, to offer monthly auto insurance. Autonomy’s services enable subscribers to drive an electric vehicle without a lease or financing, but through a flexible vehicle-use agreement. Drivers are required to commit to a minimum of three months, after which they can keep the car for as long as they want and return it when they’re finished (with a 28-day notice).
Liberty Mutual’s car insurance will be included in Autonomy’s monthly subscription package, which also covers vehicle tax, title, registration, routine maintenance, and roadside assistance. To be eligible for Liberty Mutual auto insurance, subscribers must complete an eligibility process using the Autonomy app. If approved, they will have access to an insurance offering that can be activated. The insurance payment is integrated into the Autonomy monthly subscription. Autonomy’s subscriptions are currently offered in California, Florida, Texas, and Washington.
Other Types of Liberty Mutual Insurance
Aside from auto insurance, Liberty Mutual provides insurance for motorcycles, RVs, ATVs, and boats. If you have a passion for collecting vintage or classic vehicles, consider exploring Liberty Mutual’s classic car insurance. Additionally, Liberty Mutual offers various other insurance policies.
- Homeowners insurance
- Renters insurance
- Condo insurance
- Umbrella insurance
- Life insurance
- Accident insurance
- Critical illness insurance
- Identity theft insurance
- Landlord insurance
- Mobile Home insurance
- Pet Insurance
- Small business insurance
Liberty Mutual’s Collision Repair Grade: D+
CRASH Network conducted a survey of collision repair professionals and gave Liberty Mutual a D+ grade. The survey reflects the views of auto repair shop professionals nationwide, who evaluate insurance companies based on their use of quality repair parts, adherence to car manufacturers’ repair procedures, and the efficiency of their claims processes for customers.
Liberty Mutual Mobile Apps
The mobile app from Liberty Mutual offers a car insurance concierge for your smartphone, providing assistance with tasks such as updating your address and filing insurance claims at any time. The app’s features enable you to:
- Access to auto insurance ID cards
- Pay your car insurance bill
- File and manage claims
- Request roadside assistance
Complaints and customer satisfaction
Liberty Mutual had more than the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.
Liberty Mutual received an overall satisfaction score of 76 out of 100 by a pool of its customers in a NerdWallet survey conducted online in June and July 2023. To put that in perspective, the average score among eleven insurers was 78, and the highest was 82.
|
2023 J.D. Power study |
Progressive ranking |
|---|---|
|
Auto insurance shopping |
No. 2 out of 8 companies. |
|
Auto insurance claims satisfaction |
No. 19 out of 24 companies. |
Liberty Mutual Home Insurance Quote
We reached out to Liberty Mutual for home insurance quotes to provide you with a better understanding of what you can expect to pay for coverage.
| Location | Home Square Footage | Monthly Cost | Total Cost |
|---|---|---|---|
| Marlton, N.J. | 1,706 square feet | $89 | $1,068 |
| Charlotte, N.C. | 1,595 square feet | $108 | $1,296 |
| Richmond, Va. | 2,112 square feet | $75 | $897 |
Liberty Mutual Home Insurance Coverage
Home insurance policies offer financial protection for your home and personal property in the event of a disaster or accident. Liberty Mutual provides the following standard types of home insurance coverage:
| Liberty Mutual Home Insurance Coverage | Description |
|---|---|
| Dwelling coverage | This insurance helps cover the cost to repair or rebuild your home after a covered event. It includes protection from fire, water, weather, theft and vandalism. |
| Personal property coverage | This insurance covers your personal items, including any personal property you may be using outside of your home. Common items protected include furniture, clothing and electronics. |
| Personal liability coverage | This covers you in the event of injury or property damage to someone else. It helps pay for medical bills of someone injured on your property, repairs of accidental damage to someone else’s property and legal costs. |
| Wind/hail coverage | This covers your property for any damage caused by wind and hail. |
| Additional living expenses coverage | This insurance covers any necessary increase in living expenses if you need to live elsewhere during house repairs so you can maintain a normal standard of living. |
Conclusions
Based on our review of Liberty Mutual car insurance, it is clear that they offer a comprehensive and reliable coverage option for drivers. With their wide range of coverage options, competitive pricing, and excellent customer service, Liberty Mutual stands out as a top choice for car insurance. Whether you’re looking for basic liability coverage or comprehensive protection, Liberty Mutual has a policy that will meet your needs. Don’t wait any longer to ensure that you have the right car insurance in place – contact Liberty Mutual today to get a quote and start protecting yourself on the road.
Faqs
How do I file a claim with Liberty Mutual?
You can report a claim online, through the mobile app or by phone at 800-290-8711.
How do I get a quote from Liberty Mutual?
You can get a quote on the insurer’s website, call the company directly at 800-295-2723 or contact a local agent.
In which states is Liberty Mutual auto insurance available?
Liberty Mutual sells car insurance in all 50 states and Washington, D.C.
Is Liberty Mutual a good car insurance company?
Yes; for many people, Liberty Mutual is a good insurance company. The company’s wide breadth of coverage means consumers can customize their policy to fit their needs.
Is Liberty Mutual insurance reliable?
Yes, Liberty Mutual insurance is a good reliable car insurance company. In our survey, 51% of the respondents who purchased a Liberty Mutual insurance policy were happy with the company.
Why is Liberty Mutual so cheap?
In some cases, Liberty Mutual insurance can cost more than the nationwide average. However, the insurer offers a wide range of discounts for policyholders that can be bundled and ultimately drive costs down. If you qualify for discounts, this provider could end up being an affordable option compared to competitors.
What are the top three insurance companies?
In our review of the best car insurance companies, we named Travelers, State Farm and Erie Insurance as the leading insurance companies in the nation based on reputation, availability, cost, coverage and customer experience.
