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Last updated: March 13, 2025
Liberty Mutual Auto Insurance Pricing 2025
Liberty Mutual’s rates tend to be higher than the national average.
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Liberty Mutual’s catchy commercials with the tagline, “Only pay for what you need,” reflect the company’s philosophy. When customers buy auto insurance they are able to customize policies so they only pay for what they use. But is getting the minimum coverage you need enough to help you save on your auto insurance? We’ll take a closer look at Liberty Mutual’s pricing, discounts, and key benefits in this guide.
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Liberty Mutual Car Insurance Rates
Liberty Mutual offers below-average rates. Our research shows that Liberty Mutual’s average annual auto insurance policy costs $3,061 per year for full coverage. This is 27 percent higher than the national average of $2,399 per year.
Your specific rate may be higher or lower than the average, depending on your age, location, driving history, and claims history. Also, full coverage is more expensive than state minimum liability coverage, and coverage will cost more with add-ons such as rental car reimbursement and roadside assistance. Get a car insurance quote to find out the cost of car insurance coverage from Liberty Mutual.
| Category | Liberty Mutual Avg. Premium (Annual) | Liberty Mutual Avg. Premium (Monthly) |
|---|---|---|
| Full coverage (clean record) | $3,061 | $255 |
| Minimum coverage (clean record) | $1,467 | $122 |
| DUI | $5,475 | $456 |
| At-fault accident | $3,506 | $292 |
| Teen driver | $5,400 | $450 |
| Senior driver | $1,869 | $156 |
Liberty Mutual Discounts
- Car insurance/homeowners insurance discount: Those who own homes get a discount on auto insurance.
- Military discount: Liberty Mutual offers a discount to those who are active in or retired from the military as a thank-you for their service.
- Early shopper discount: Get a quote and buy insurance before your policy expires to qualify for this discount.
- Good student discount: Students with a B average or better in school get a discount.
- Student-away-at-school discount: When your student is off to college (and leaves their car at home), you get a discount on your auto insurance.
- Claims-free discount: If you have had no claims on your policy, you’ll save on your insurance premiums.
- Violation-free discount: When you haven’t accumulated any tickets on your record for the past three years, you are eligible to save on costs.
- RightTrack: Enroll in RightTrack, a driving monitoring program, to help you save up to 30 percent. You’ll get an initial discount just for signing up.
- Multipolicy discount: Bundle your home insurance with Liberty Mutual and get a discount on both policies.
- Multicar discount: Save money when you have more than one vehicle insured with Liberty Mutual.
- Preferred payment discount: Enroll in automatic payments and get a discount on your insurance.
- Online purchase discount: When you buy your policy online, you get a discount to save. Start with an online quote.
- Paperless policy discount: Enroll in electronic communication to receive a discount on your policy.
Favorite Features
Car Insurance Coverage Calculator
Liberty Mutual offers a car insurance calculator that doesn’t require your personal contact information. This calculator will help you decide what type of car insurance you want and the estimated price for that coverage. It’s a quick and easy way to shop for insurance and see if Liberty Mutual is right for you.
Liberty Mutual App
Liberty Mutual has a convenient car insurance app that allows you to manage accounts and file claims from anywhere. The app is highly rated, with a 4.6 out of five stars on Google Play and a 4.8 out of five stars on the Apple Store. Customers report that they love having all the components of their insurance at their fingertips.
TIP:
Filing claims with the app saves time. You can upload photos of the accident so that the claims representative has the required details to process your claim quickly.
SR-22 Filing
Liberty Mutual offers SR-22 filing for customers that it considers a higher risk, such as those with DUIs or previous lapses in insurance coverage.These drivers usually have a serious offense, such as a DUI or a ticket for driving without insurance. Insurance carriers file the SR-22 that the state requires on behalf of the driver to show that the driver meets the state’s minimum insurance requirements.
Captive Local Agents
Liberty Mutual has over 2,200 local agents positioned in 200 offices around the country to help consumers buy insurance. Local agents best understand the needs of local drivers and can better assist people in getting the right coverage. The agent becomes your point of contact for any service you need, making the experience more personal as the relationship develops over time.1
Availability
Liberty Mutual writes insurance policies in all 50 states and the District of Columbia.
Cancellation Policy
To cancel your insurance policy, contact your local agent or call 800-290-8711.
KEY TAKEAWAY:
When you cancel your policy, the insurance carrier returns all unearned premiums to you. An unearned premium is the prorated amount the company doesn’t use in providing insurance over the course of the term.
Company Background
Based on gross written premiums, Liberty Mutual is the sixth-largest property and casualty insurer in the world. It started in 1912 to provide workers’ compensation insurance. In 1914, a second branch office opened that wrote the first auto insurance policy for the company. The company has its current headquarters in Boston, Massachusetts.
Liberty Mutual has received high ratings from three of the financial rating companies. It has an A from AM Best. It also has an A2 from Moody’s, and an A from Standard and Poor’s.2
These ratings reflect a company that has the financial resources to handle periods of substantial claims. Higher ratings give consumers higher confidence that the company will perform when they need it.
Liberty Mutual Contact Information
You may reach Liberty Mutual to service your account by contacting your local agent or by calling customer service at 800-290-8206. Customer service hours are Monday through Friday 8 a.m. to 10 p.m. ET, Saturday 8 a.m. to 8 p.m. ET, and Sunday 11 a.m. to 5 p.m. ET. You may also mail correspondence to:
- Liberty Mutual Group
- 175 Berkeley Street
- Boston, MA 02116
Conclusion
Liberty Mutual is a popular auto insurance carrier that helps you get the coverage that you need for a great rate. It’s worth shopping for price quotes with Liberty Mutual to see how much you can save by switching. If you want to learn more about Liberty Mutual auto insurance, read our Liberty Mutual auto insurance review.
Frequently Asked Questions
Who is cheaper, GEICO or Liberty Mutual?
GEICO offers overall cheaper rates than Liberty Mutual. For full coverage, the average yearly cost is $1,731 with GEICO and $3,061 with Liberty Mutual. Our research shows that across all age ranges and driving histories, you’ll typically get lower premiums from GEICO.
Is Liberty Mutual good for car insurance?
Liberty Mutual is a good carrier because of its ratings with AM Best (A), Moody’s (A2), and Standard and Poor’s (A). These ratings mean that the company is financially solvent and prepared to handle catastrophic claims. The provider also scored above average for overall claims satisfaction (717 points out of 1,000) in J.D. Power’s 2024 Insurance Shopping Study.3
How much is Liberty Mutual car insurance a month?
On average, drivers pay $255 per month for full coverage and $122 per month for minimum coverage at Liberty Mutual. The actual cost of your premium will depend on your gender, location, driving record, and other factors.
How to file a complaint with Liberty Mutual Insurance?
- Call 800-290-8206.
- Or, mail the complaint to:
- Liberty Mutual Group
- 175 Berkeley Street
- Boston, MA 02116
Who owns Liberty Mutual Insurance?
Liberty Mutual is a mutual insurance company, meaning its policyholders own it. It does not trade on any of the stock exchanges.
Staff Writer
Kimberlee Leonard is a writer at AutoInsurance.com as well as a former State Farm agent licensed in the state of California. For six years, she helped people and businesses protect themselves and their assets. Kimberlee has also written about insurance for Fit Small Business in more than 100 articles. Since then, she has edited for the finance website Investopedia and outlets like Business.com, Forbes, and Seeking Alpha. Kimberlee is also the founder of Centsible Money, a website that answers insurance and other finance-related questions.
Citations
National News. Insurance Journal. (2025).
https://www.insurancejournal.com/news/national/Financial Ratings. Liberty Mutual Group. (2025).
https://www.libertymutualgroup.com/about-lm/investor-relations/financial-ratingsAuto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds. (2025).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-study
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