score67Liberty Mutual Auto Insurance Review: Quotes and Service (2024)
Updated: December 28, 2023
Advertising & Editorial Disclosure
score675/5
discounts
3/5
complaints
3/5
satisfaction
4/5
stability
1.7/5
affordability
pros
Offers most common discounts, including bundling, multiple car, good student, safe driving, anti-theft system, pay-in-full and paperless discounts.
Offers unique discounts for anti-lock brakes, automatic payment and advanced safety features
In addition to common add-on coverages, it offers unique coverages like original equipment manufacturer (OEM), better car replacement and disability coverage
cons
Expensive compared to other car insurance companies
Does not offer discounts for defensive driving and airbags
Verdict
Liberty Mutual has a decent customer service reputation, with MoneyGeek rating both its customer satisfaction and customer complaints average. However, the car insurance policies through Liberty Mutual are expensive.
If you’re looking for more information on Liberty Mutual, MoneyGeek provides resources on the cheapest and best car insurance companies. You can also use our tool to compare Liberty Mutual with other auto insurers.
How Does Liberty Mutual Rank for Customer Service?
Finding the top car insurance companies require you to consider various factors. Third-party industry experts like J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC) can help you make sense of each insurance provider's strengths and weaknesses. These ratings show that Liberty Mutual is poor to mediocre in customer service but good in financial strength.
Customer Satisfaction Rating
First Notice of Loss:
3/5
Estimation of Process:
3/5
Repair Process:
4/5
Claims Servicing:
4/5
Rental Experience:
5/5
Settlement:
4/5
Based on data provided by J.D. Power, Liberty Mutual earns a score of 857 out of 1,000 for customer satisfaction. Considering that the industry average score is 835, Liberty Mutual's score is higher compared to the typical insurer. J.D. Power's data was also integrated into these star ratings, giving you a feel for the company's reputation in several specific areas.
Customer Complaint Ratio
Another way to check the customer service of an insurance company is to look at its NAIC score. The NAIC reports the average complaints a company has received in a given year. Liberty Mutual scored 3.56, which is over three times higher than the national median complaint ratio of 1.00.
Liberty Mutual Auto Insurance Quotes: How Much Does it Cost?
MoneyGeek calculated the affordability scores of Liberty Mutual based on J.D. Power’s survey data. Our analysis found that Liberty Mutual is expensive compared to other auto insurance companies.
You should get a personalized quote to see how much an auto insurance policy from Liberty Mutual costs for you. Unless you’re only shopping around for the cheapest car insurance available, keep in mind that price should not be your only consideration. Several factors such as the insurer’s financial stability, customer satisfaction and complaint ratios are also important in determining which policy would meet your needs.
Is Liberty Mutual Car Insurance Expensive or Cheap? Why?
MoneyGeek determined that car insurance from Liberty Mutual is expensive compared to policies offered by other companies. You may have higher rates due to factors including your driving record, location and age.
Discounts Offered by Liberty Mutual That Can Help You Save
You can take advantage of discounts to make your Liberty Mutual car insurance premiums cheaper. The insurer has most of the common car insurance discounts such as bundling, multiple cars, good student, safe driving, anti-theft system, pay-in-full and paperless discounts. However, it doesn’t offer discounts for defensive driving and airbags.
That said, Liberty Mutual has discounts that other auto insurance companies rarely offer. Among these are discounts for anti-lock brakes, automatic payment and advanced safety features.
Car Insurance Comparison Tool
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Note: The cost of car insurance is highly personalized and varies from driver to driver. Auto insurance companies weigh several factors when considering your rate, including age, driving record, address, the type of car you drive and more. The MoneyGeek calculator estimates how much you could pay for car insurance, without entering your personal information. The estimator can help you decide if it's time to switch car insurance companies or find a provider that fits your needs and budget.
Does Liberty Mutual Offer Broad or Unique Coverage?
Like all other insurance companies, Liberty Mutual offers standard coverages such as liability insurance, comprehensive and collision insurance. The insurer, in particular, stands out for offering all the most common add-on coverages: roadside assistance, rental car and travel reimbursement, accident forgiveness, new car replacement, gap insurance, deductible modification and better car replacement. In addition, Liberty Mutual has unique add-on coverages such as original equipment manufacturer (OEM) and disability coverage.
Original equipment manufacturer coverage ensures that any damaged parts of your vehicle will be replaced with parts that meet the highest quality standards. Liberty Mutual will also provide an estimate that includes comparable or reconditioned parts if original manufacturer parts are no longer available or in production. Meanwhile, disability coverage will compensate you if you become disabled due to an auto accident.
What Online Auto Insurance Tools Does Liberty Mutual Offer?
A wide variety of coverage options and accessible features are what sets Liberty Mutual auto insurance apart from its competitors. Customers can use online and mobile tools to complete transactions and calculate premiums without hassle.
- Type of FeatureDescription
- Online Price QuotesGet a personalized quote through the company’s website.
- Online Bill PayCustomers can opt to pay their bills online or through the mobile app.
- Online ClaimsFile claims and monitor their status online or through the mobile app.
- Mobile AppDownload the Liberty Mutual Mobile app to manage your policy, call emergency Roadside Assistance, electronically sign documents and learn more about your insurance plan.
- CalculatorsCalculate the cost of your premium with the help of the company’s online calculator tool.
Other Liberty Mutual Insurance Products
Individuals looking for other types of insurance products can also find options from Liberty Mutual. If you decide to purchase any of these plans, consider bundling them with your Liberty Mutual auto insurance for a discount. See where Liberty Mutual ranks in our list of cheapest home and auto bundles by state.
- Type of ProductDescription
- Homeowners InsuranceProtects you from financial burden after property damage or theft.
- Renters InsuranceCovers your personal belongings and includes liability coverage for medical expenses and possible lawsuits.
- Condo InsuranceCovers your personal belongings and protects you against possible lawsuits if someone injures themselves in your condo unit.
- Landlord InsuranceProtects landlords in case of property damage. Includes liability protection and covers medical expenses.
- Flood InsuranceIf you live in a flood-prone area, you'll want to look into flood insurance to protect your home, even if you're not required to do so. Liberty Mutual's flood insurance is in compliance with the National Flood Insurance Program.
Financial Strength
An insurance carrier's financial strength refers to its ability to meet its ongoing obligations and pay legitimate claims from policyholders. AM Best ranks insurers on financial strength using a rating system. According to this reputable source, Liberty Mutual gets an A rating, meaning the company has a strong financial standing. However, keep in mind that this rating is only an estimate and not a warranty on a company’s actual financial strength.
How to Make a Car Insurance Claim With Liberty Mutual
Filing a claim to Liberty Mutual is easy: you can do so by logging in to your online account and answering some questions. You’ll need to provide the date of the incident and a brief description of what happened. You can also file a claim through the mobile app. If the company needs more information to process your claim, a claims representative will contact you directly.
Contact Liberty Mutual Car Insurance
Methodology and Assumptions
To evaluate and review auto insurance companies, MoneyGeek carefully weighs factors such as price, financial strength, policy features, customer satisfaction, service and other leading indicators. MoneyGeek also references publicly available data from industry leaders such as J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau. Learn more about MoneyGeek’s review methodology here.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
sources
- AM Best. "Liberty Mutual Insurance Company Financial Strength Rating." Accessed January 7, 2021.
- J.D. Power. "2019 U.S. Auto Claims Satisfaction Study." Accessed January 7, 2021.
- The National Association of Insurance Commissioners. "Liberty Mut Ins Co National Complaint Index Report." Accessed January 7, 2021.