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Liberty Mutual Review

Reviews 350
Liberty Mutual
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Liberty Mutual
Liberty Mutual
Poor
Reviews 350
Nadav Shemer
Feb. 25, 2024
2 min read
Nadav Shemer
Liberty Mutual Summary
Liberty Mutual is the third-largest property and casualty insurer in the United States, underwriting more than $21 billion in annual premiums for car insurance and other types of insurance. It serves customers in all 50 states and DC with liability and medical payments coverage plus optional add-ons. Its strong ratings from credit agencies A.M. Best, Moody’s, and S&P testify to its financial strength and ability to pay out on insurance claims.

Liberty Mutual at a glance

2.4
Editorial score

Insurance Features

This category measures the overall quality of the product
2.4

Discounts Available

This category measures the overall quality of the product
2.4

Customer Service

This category measures the overall quality of the product
2.4

Online Experience

This category measures the overall quality of the product
2.4

Direct Insurer?

This category measures the overall quality of the product
2.4

Pros and Cons

One of the major benefits of using Liberty Mutual for your car insurance is the flexibility it provides. With Liberty Mutual Deductible Fund, you can lower your potential liabilities by voluntarily contributing towards your deductible. And when you contribute to your fund, Liberty Mutual does too. The following image shows just how much you can save.

Liberty Mutual offers a number of ways to save on your premiums. It offers discounts simply for adding or changing a vehicle on your policy or for bundling together your auto insurance with other insurance products from its catalog – such as homeowners’ insurance or motorcycle insurance. You can also earn up to a 30% reduction for good driving behavior.

One con to be aware of is that not all programs are available in all states. For example, driver rewards aren’t available in a handful of states. Due to differing state regulations, the terms and conditions of its programs can differ slightly from state to state.

Liberty Mutual Review

Types of Auto Insurance

The following types of coverage are a standard part of all Liberty Mutual car insurance policies:

Bodily Injury liability. Covers medical expenses, lost income, and other expenses when you’re at fault in an accident.

Property Damage liability. Covers damages to someone else’s vehicle or property when you’re at fault.

Medical Payments. Covers your and your passengers’ initial medical treatment as well as other expenses such as lost income, legal fees, pain and suffering, and bereavement costs.

Policy holders may add the following types of coverage to their auto insurance policy:

Collision. Repairs or replaces your car when it is damaged in a collision with another vehicle or object, such as a guardrail or fence.

Comprehensive. Covers all other damages not caused collision with a vehicle, such as theft, vandalism, storms, or floods.

Accident Forgiveness. Your rates won’t rise due to your first accident.

Lifetime Repair Guarantee. Your repairs will be guarantee for as long as you own the car, provided you use a facility approved by Liberty Mutual.

New Car Replacement. Assistance with getting a new car if your existing vehicle suffers a total loss.

Better Car Replacement. Replaces your totalled car with a newer model that has at least 15,000 fewer miles.

Rental Car Reimbursement. Covers the cost of a rental car while yours is being repaired.

How to Apply

You can request a quote and purchase auto insurance over the phone or on Liberty Mutual’s website. To apply for and purchase car insurance online, simply go to the Liberty Mutual home page, enter your zip code, and click “Get my price”. You can purchase straight away or retrieve a saved quote and purchase later. Liberty Mutual are so confident of their ability to offer competitive prices that they’ll show you their quote and include links to several of their competitors. To purchase with Liberty, simply press the “Continue” button next to your quote and you’ll be given the opportunity to enter your billing details and confirm your insurance policy.

It can take as little as 10 minutes to fill out Liberty’s online form and purchase car insurance. Simply follow these steps:

  • Enter your home address.
  • Enter your name and date of birth.
  • Enter vehicle information, such as year, make, and model.
  • Follow that up with additional vehicle information, such as year purchased, primary purpose for owning a vehicle, and the estimated annual mileage.
Nadav Shemer
Written by
Nadav Shemer
Nadav Shemer specializes in business, tech, and energy, with a background in financial journalism, hi-tech and startups. He enjoys writing about the latest innovations in financial services and products. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
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Trustpilot reviews
See what some customers are saying about Liberty Mutual
Bad • Reviews 350
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2%
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3%
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95%
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Christopher Shoff
1 year ago
My car was totalled on Monday by an…
My car was totalled on Monday by an uninsured motorist and by Friday Liberty Mutual had paid off my loan and deposited the remainder in my checking account. I am very pleased with the service from Liberty Mutual Insurance.
Darryl Cathey
1 year ago
Lino Liberty Mutual is the best!
I give Lino Liberty Mutual insurance a 5 star rating, because they really provide great service. Agent Josh was very professional and the owner Lino even called a month later to get to know his client. I've never experienced that kind of concern or care in an insurance company.
Su
SummerBreeze
2 years ago
Exceptional Outstanding Service
I was helped today (6/28/2022) by an amazingly outstanding representative. His name is Mike Vuckovic and he went above and beyond in answering all of my many questions and helping me select the best auto coverage options for my needs. It felt like talking to a long time friend who has your best interests at heart. I will refer all of my family and friends seeking coverage to TruStage Liberty Mutual. Mike is a true representation of what experiencing exceptional customer service feels like. - S.Watson (Tampa Bay, FL)
Brenda Given
2 years ago
Thank you for bringing Tanner back
Thank you for bringing Tanner back! we laugh every time we see this commercial, We can not stand nor understand the very stupid Emu and Doug stupidity......
NW
Nicole Wenner
2 years ago
Excellent company
We have had nothing but good with this company. We have totalled 3 cars and they have responded speedily and competently. The adjusters and rep assigned to us were very quickly. We are very happy and satisfied.
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