Liberty Mutual Reivew

A leading and well-known name in the American insurance industry, Liberty Mutual provides affordable and trustworthy policies to drivers throughout the United States. Liberty Mutual also operates Safeco as a subsidiary, and the companies combine to deliver car insurance to millions of policyholders.

With value-laden discounts and a complete range of standard and optional auto insurance products, Liberty Mutual has broad appeal. The company’s imposing size and national footprint enable it to go toe-to-toe pricewise with any competitor, making it a solid option for customers who prefer the security and reliability of sourcing their coverage through a major provider.

In this guide, we’ll take a closer look at Liberty Mutual’s lineup of auto insurance products, examine its customer satisfaction standing and professional opinions, and weigh in with our take on whether it’s a company you should consider for your next auto insurance purchase. (Spoiler alert: it is.)

Company Profile

Liberty Mutual came into being on July 1, 1912. Originally known as the Massachusetts Employees Insurance Association, the venture was headquartered in Boston and remains based in Beantown today.

Liberty Mutual operates both domestically and internationally, and it fully or partially owns insurance companies in 18 countries throughout Europe, Asia, and the Americas. Its team includes approximately 45,000 employees, who work out of 900-plus office locations throughout the world.

Types of Auto Insurance Available From Liberty Mutual

Liberty Mutual offers every major type of car insurance a vehicle owner might need, including:

Car insurance requirements vary from one U.S. state to the next. If you’re not sure which forms of coverage are mandatory and which are optional where you live, do some research before you start shopping.

Unique Options and Policy Add-ons

Liberty Mutual also offers a long list of add-ons and policy options, many of which are difficult to find from other carriers or wholly unique to the company. Popular examples include:

However, not all options are offered in all U.S. states. You’ll need to inquire locally if you’re interested in adding them to your quote or policy. Fortunately, Liberty Mutual’s online quote system begins by asking for your zip code, so its system will automatically display the options available in your area.

Discounts and Special Offers

Like most other insurers, Liberty Mutual extends valuable discounts to customers with certain characteristics. This is because people who meet certain profiles pose less statistical risk, enabling Liberty Mutual to offer advantageous pricing.

You may qualify for a discount on your Liberty Mutual car insurance if you:

Uniquely, Liberty Mutual also offers a special program for teachers, entitling them to collision coverage, personal property coverage, and vandalism loss protection for their vehicle at no additional cost.

In some jurisdictions, Liberty Mutual will also offer you a discount if you agree to allow the company to monitor your driving habits through the use of mobile technologies.

Pros and Cons

After taking a broad spectrum of reviews and customer opinions into account, some clear trends emerged with regard to Liberty Mutual’s strengths and drawbacks.

Pros include:

Cons include:

What Others Are Saying About Liberty Mutual Auto Insurance

Liberty Mutual has been accredited by the Better Business Bureau (BBB) since 1931. As of September 2020, it holds an A+ rating from the BBB.

The Bottom Line

Choosing to source your auto insurance through a well-established, respected industry leader is a wise idea. It lets you rest assured that you will be protected if you have to file a claim, and that the company has all the resources it needs to deliver every form of assistance to which your policy entitles you.

Liberty Mutual certainly fits this profile. It earns top marks for completeness of coverage and nationwide availability, while also posting strong scores for its convenience technologies and industry standing. Customer service ratings are average to above average, which is in line with other major insurance companies of Liberty Mutual’s size.

If you’re in the market for auto insurance or a new provider, there’s a lot to like about Liberty Mutual and you would do well to at least get a quote. Remember: you will also qualify for a discount if you request a quote before your current auto insurance policy expires.