Liberty Mutual Auto Insurance Review 2025

In general, Liberty Mutual is best for those who plan to take advantage of its extra coverage offerings, like new car replacement, GAP coverage, and original parts replacement.

Liberty Mutual also offers special savings for teachers and lower premiums for teens. For customers who like to do the bulk of their insurance administration online, Liberty Mutual offers a user-friendly website, app, and comprehensive online tools.

For drivers with DUIs or at-fault accidents, Liberty Mutual may not be the best choice, as its premiums are typically higher than average for these groups.

Why We’re Shopping With Liberty Mutual

Maya: Like millions of drivers across the country, I’ve seen my rates increase in the past year. I received an email from my alumni association that I’m eligible for auto insurance discounts through their partnership with Liberty Mutual. I figured it wouldn’t hurt to get a quote and see if I could save.

Kate: Though I don’t own a car, I borrow and rent them regularly — non-owner insurance provides an extra layer of protection. Since Liberty Mutual offers online quotes, I hoped to get one for non-owner insurance.

Though Liberty Mutual does not make its pricing data available, typically its premiums hover around the national average of $2,399 per year full coverage, and $635 for minimum coverage.

Unfortunately, higher pricing is not unique to Liberty Mutual, and it’s a problem that’s unlikely to go away any time soon. Throughout 2024 and into 2025, auto insurance inflationary rates have remained above total inflation. Insurance costs rising while customer satisfaction rates remaining flat year to year is a consistent trend among insurers.1

We tested Liberty Mutual’s quote process ourselves. Maya got a quote for a traditional policy and Kate got a quote for a non-owner policy.

Maya: Traditional Policy

I started my Liberty Mutual quote by clicking an affiliate link in an email I received from my alumni association.

After I entered information about vehicle, drivers, and location, Liberty Mutual provided a quote. Like other companies I’ve gotten a quote with (for example, Allstate), Liberty Mutual offered three pre-selected packages of coverage. And, true to its promise, I also had the ability to customize my coverage and see how those choices changed my quote.

Here are the premiums Liberty Mutual quoted me for full coverage vs. minimum liability coverage, along with the national average auto insurance rates for comparison. I have full coverage on my current State Farm policy. Whenever possible, I recommend full coverage and higher liability limits so that you’re protected financially in the event of an accident.

Keep in mind that the cost of my policy will likely differ from yours. For example, I pay higher than the national average for auto insurance because I live in a major city, where auto insurance costs tend to be higher.

Here’s a more detailed break down of the coverages on my quote:

In addition, I had the option to add the following coverages to my policy:

Like Kate, I also received the option from Liberty Mutual to review quotes with its partners:

Overall, I had a positive experience with Liberty Mutual’s online quote process. I’ve gotten quotes from several providers, and Liberty Mutual’s stood out for the ability to easily pick and choose your coverages. While I’ve been satisfied overall with State Farm (learn more in my review), its online quote process was not robust. In order to see any policy costs and make coverage changes, I had to speak on the phone with an agent. Given this, I appreciated Liberty Mutual’s online shopping features.

Kate: Non-Owner Policy

Though I don’t own a car, I’ve recently been spending more time behind the wheel: I rent cars regularly and borrow my partner’s car when I visit him out of state. A non-owner policy can be a safe and sensible option for someone like me, who doesn’t own a car but uses one pretty regularly.

In the event of an accident, the vehicle owner’s policy kicks in first. However, if damages exceed the limits on the policy, non-owner policy kicks in as secondary coverage. Given that I haven’t built up the same level of driving confidence that comes with daily driving, or the feeling of comfort and familiarity that comes with driving the same car all the time, the peace of mind of a non-owner policy is worthwhile to me.

There are other reasons someone might consider purchasing a non-owner policy:

• You often use car share apps like Zipcar or GIG Car Share.
• You want to prevent a premium increase by maintaining continuous coverage.
• You need to file an FR-44 or SR-22 form and you don’t own a car.
• You plan to reinstate your license after having it suspended or revoked.

If the car you’re driving has minimum coverage, a non-owner policy is a particularly good idea. It protects you from paying out of pocket if damages are higher than the policy’s limits.

Enticed by Liberty Mutual’s claim that its customers pay only for what they need (and as someone who doesn’t actually own a car, I figured I wouldn’t need all that much), I got a non-owner quote.

Liberty Mutual’s online tools are robust, so I hoped to get a quote through its website. It wasn’t until I got to question two of six that I realized the site wouldn’t let me continue without adding a car. This may have been on me: The site stated “auto insurance” and gave no option for non-owner policy.

Still, I navigated the online quote tool long enough to agree with Maya’s sentiment that the website interface is straightforward to navigate and pleasant to look at.

I also appreciated Liberty Mutual’s note about potentially showing rates from competitors.

Aside from being an objectively useful function, it’s encouraging when a company is not afraid to highlight the perks of its competitors — especially in the realm of insurance, where the policy that is best for me may not necessarily prove the one best for you.

Maya: Traditional Policy

For a traditional policy, Liberty Mutual automatically applied 10 discounts to my quote for a total savings of $177 per month:

• Online purchase
• Violation free
• RightTrack (for tracking driving behaviors — more below)
• Anti-theft device
• Vehicle safety
• Preferred payment
• Paperless policy
• Early shopper
• Good payer
• Claims free

Note that availability of discounts vary by state, and that as of February 2025, Liberty Mutual does not list the anti-theft device, vehicle safety, or good payer discounts on its website.

In addition, if I were to pay for the policy in full upfront, I’d save an additional $137 annually (or about $11 monthly). Overall, it’s a pretty solid set of discounts.

In addition to the above discounts, Liberty Mutual also offers discounts for the following:

• Homeowner
• Military (active, retired, or reserved in the US Army forces)
• Good student, with a 3.0 GPA/B average
• Student away at school
• Multi-car
• Multi-policy

When it comes to customer service, Liberty Mutual receives mixed to negative reviews.

Liberty Mutual holds an A rating from AM Best, meaning it can reliably pay for claims.

In its annual survey of collision repair shops, the independently published newsletter CRASH Network gave Liberty Mutual an average score of D+ for the third year in a row. This is based on data gathered from auto repair shops that evaluate ease of claims handling. Customers may have a better experience working with Liberty Mutual’s affiliated network of shops. For context, out of the 10 largest insurers, the overall highest grade awarded was a C+. In addition to the major insurers, I always recommend checking out smaller, regional providers.

You can use Liberty Mutual’s mobile app to make changes to your policy, request roadside assistance, download your insurance ID card, and more.

In particular, what I find noteworthy is that you manage the RightTrack discount in the app as well. With State Farm, I need a separate app to earn the Drive Safe & Save discount, which is a little inconvenient (especially for someone like me, who prefers to have fewer apps on my phone). When you download the Liberty Mutual app, the app brings you immediately to a screen that allows you to access your account or enter your RightTrack activation code.

The app has a near five-star rating both in the App Store and on Google Play.

Liberty Mutual’s auto insurance policies are about on par with the national average. However, its numerous discounts, including through usage-based insurance program RightTrack, which can provide up to 30 percent off your premium, make it a strong contender. In addition, its online quote system and mobile app are comprehensive and easy to navigate.

On the other hand, for those who don’t qualify for enough discounts or prefer to work more closely with an agent, Liberty Mutual may not be the cheapest or best car insurance option. Similarly, customer satisfaction data suggests that claims handling and customer service is acceptable but perhaps not always the best.

We base our reviews on personal experience, thorough research, and institutional knowledge. Our evaluations are based on four primary criteria:

• Pricing (40%): We examine average premiums for both full and minimum coverage, factoring in various driver profiles, such as individuals with clean records, DUIs, accidents, or low credit scores. Discounts available through insurers are also taken into account, including telematics. Our full coverage rate analysis includes the following limits:
  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $50,000 per accident
  • Uninsured/underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
  • Comprehensive and collision: $500 deductible
• Claims Handling (25%): The best claims processes are fast, transparent, and efficient, with clear communication, fair damage assessments, and prompt payments. We evaluate insurers’ claims handling through trusted industry benchmarks, including the J.D. Power Claims Satisfaction Report and the CRASH Network Insurer Report Card, as well as financial strength ratings from AM Best and S&P. When possible, we also incorporate feedback from real-life customer experiences.
• Customer Experience (25%): We assess how easy it is for customers to navigate the entire insurance process, from obtaining quotes and buying a policy to managing and modifying it. This evaluation covers both online and in-person interactions, including the quality of a company’s mobile app and website. Our sources include J.D. Power, the NAIC complaint index, BBB ratings, and app store reviews.
• Coverage Options (10%): We examine each insurer’s range of coverage, giving preference to those offering more than just the minimum required by law. Additional features like accident forgiveness, gap insurance, and rideshare coverage are also considered.

Learn more about how we rate insurance providers and our methodology.