Our take
Liberty Mutual has been around for over 100 years and has a solid reputation for customer service and claims handling. It offers a wide variety of policy options, including extra coverage for your car and policies you can bundle.
Liberty Mutual has a National Association of Insurance Commissioners (NAIC) complaint ratio of 2.86, which is above the expected average for a company of its size. It also has an AM Best financial strength rating of A (Excellent).
Because Liberty Mutual doesn’t provide premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. information to our data partner, Quadrant Information Services, we can’t compare rates.
- Many available discounts
- Many coverage options
- Higher-than-average complaint volume
- Rates are not available for comparison
Where is Liberty Mutual car insurance available?
Liberty Mutual offers car insurance in all 50 states.
| State |
|---|
| Alabama |
| Alaska |
| Arizona |
| Arkansas |
| California |
| Colorado |
| Connecticut |
| Delaware |
| Florida |
| Georgia |
| Hawaii |
| Idaho |
| Illinois |
| Indiana |
| Iowa |
| Kansas |
| Kentucky |
| Louisiana |
| Maine |
| Maryland |
| Massachusetts |
| Michigan |
| Minnesota |
| Mississippi |
| Missouri |
| Montana |
| Nebraska |
| Nevada |
| New Hampshire |
| New Jersey |
| New Mexico |
| New York |
| North Carolina |
| North Dakota |
| Ohio |
| Oklahoma |
| Oregon |
| Pennsylvania |
| Rhode Island |
| South Carolina |
| South Dakota |
| Tennessee |
| Texas |
| Utah |
| Vermont |
| Virginia |
| Washington |
| Washington, D.C. |
| West Virginia |
| Wisconsin |
| Wyoming |
*Some state rates will vary based on the addition of a hurricane deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. and may be much higher when included.
What does Liberty Mutual auto insurance cover?
Liberty Mutual offers a full range of car insurance policies to meet most drivers' needs. This includes everything from full coverage car insurance to rideshare endorsements and coverage for your classic car.
All primary car insurance coverage options are available:
- Liability
- Collision
- Comprehensive
- Personal injury protection (PIP) and medical payments (MedPay)
- Uninsured and underinsured motorist coverage
Additional coverage offerings include:
- Rental car reimbursement
- Gap insurance
- Original parts replacement
- Accident forgiveness
- Lifetime repair guarantee
- New car replacement
- Better car replacement
- Roadside assistance
How does Liberty Mutual rank?
Liberty Mutual has an AM Best financial strength rating of A (Excellent) and an NAIC complaint ratio of 2.86; 1.00 is considered average based on the expected complaint volume for a company of its size.
We didn’t rank Liberty Mutual against other companies in our best car insurance companies ranking for 2025. However, we did gather information on third-party ratings and consumer opinions through our annual survey of policyholders, which is presented here as the percentage of customers who said they were satisfied.
| AM Best | J.D. Power claims rating* | NAIC complaint ratio | Survey score for customer service | Survey score for claims service |
|---|---|---|---|---|
| A | 717/1,000 | 2.86 | 79% | 81% |
*The study average was 697
How much is Liberty Mutual auto insurance?
Average auto insurance premiums from Liberty Mutual are unavailable through our data provider, Quadrant Information Services, as the company has not released its rate information. To compare rates from Liberty Mutual, you must contact the company to request a quote.
Liberty Mutual auto insurance discounts
Discounts can help you save on Liberty Mutual car insurance. Below, you’ll find some of the available car insurance discounts found at Liberty Mutual.
- Homeowner
- Military
- Early shopper
- Good student
- Student away at school
- Claims-free
- Violation-free
- RightTrack usage-based discount
- Multi-policy
- Multi-car
- Preferred payment
- Online purchase
- Paperless
Methodology:
Company survey scores are based on our 2025 Best car insurance companies ranking. Full methodology here.
What do people ask about Liberty Mutual?
Is Liberty Mutual good at paying claims?
In our survey, 81% of customers said they were satisfied with Liberty Mutual's claims service. J.D. Power’s annual auto claims satisfaction survey rated it above average at 717.
Is Liberty Mutual insurance expensive?
We cannot compare Liberty Mutual's rates to those of other companies since it doesn’t provide such information to our data partner. However, anecdotally, users on Reddit frequently complain about rate increases with Liberty Mutual. It’s worth noting that insurance companies have been raising rates across the board in the last couple of years.
Does Liberty Mutual offer 12-month car insurance policies?
Yes, Liberty Mutual is one of the few insurers that offers a 12-month term for car insurance.
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