Liberty Mutual auto insurance review for 2026

Liberty Mutual auto insurance: Overall verdict

Liberty Mutual earned excellent scores in our annual survey of customers, topping the rankings for ease of service, discounts and fair rate increases over time. It was also the top-ranked national carrierAn insurance carrier is the company that provides your car insurance policy and pays claims. for college students.

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 did not rank it; rates are a major part of our ranking system.

Liberty Mutual has a National Association of Insurance Commissioners (NAIC) complaint ratio of 1.28, which is a little above the expected number for a company of its size. It also has an AM Best financial strength rating of A (Excellent).

Pros:

Highly rated for ease of service, tied with Allstate and GEICO
Customers rated it at the top for discounts and fair rate increases over time.
Best-rated national carrier for college students

Cons:

No public rate data available, so we can’t rank it
Below-average score for drivers with tickets

Liberty Mutual availability by state

Liberty Mutual offers car insurance in all 50 states.

Map

Table

Available

Not available

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

Read our methodology

*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 auto insurance coverages does Liberty Mutual offer?

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:

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?

We didn’t rank Liberty Mutual against other companies in our 2026 best car insurance companies ranking. However, we gathered information on third-party ratings and consumer opinions through our annual survey of policyholders, which is presented here as the percentage of customers who reported being satisfied.

We’ve compared it to other national carriers on the available ratings.

Carrier	AM Best	NAIC complaint ratio	Survey score for customer satisfaction	Survey score for claims service
Liberty Mutual	A	1.28	83%	77%
State Farm	A+	0.869	84%	80%
Allstate	A+	1.200	83%	78%

Read our methodology

*The study average was 700

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 insurance discounts and ways to save

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

What do people ask about Liberty Mutual?

We looked around to find out what questions people are asking about Liberty Mutual; you’ll find our answers below.

Is Liberty Mutual good at paying claims?

Yes. In our survey, 77% 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 730.

Is Liberty Mutual insurance expensive?

It may be for you, but rates vary based on location and driver factors. We don’t have rate data for Liberty Mutual, so we can’t provide average rates for comparison.

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.

Methodology

Insurance.com surveyed 2,000 auto insurance customers in late 2025. The survey was conducted by the independent research firm Dynata. Respondents were asked to name their auto insurer and then grade it in the following categories:

Customer satisfaction
Ease of service
Policy offerings
Claims satisfaction
Digital experience (website/app)
Discounts offered
Fair rate increases over time
Insurance for young drivers/teenagers
Insurance for college students
Insurance for senior drivers
Insurance for drivers with tickets or accidents
Auto and home bundling

The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.

We then asked respondents to provide a yes or no response to indicate their agreement with the following statements:

I plan to renew with my current auto insurance company
I would recommend my auto insurance company to others
I trust my auto insurance company

The percentage of respondents who said yes is presented in the results. The editors compile the survey results and then select – based on the number of survey responses – the top companies for further evaluation.

Learn more about our data and methodology.

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