Auto Insurance Review
Key takeaways
Liberty Mutual ranks among the most expensive major carriers for typical drivers — average rates run roughly 12% above the national average.
— QuoteYeti editorial team
- 02 Customer satisfaction scores trail the major-carrier average in J.D. Power studies and NAIC complaint data.
- 03 Coverage customization is genuinely strong — accident forgiveness, new car replacement, and rideshare endorsements are well-developed.
Liberty Mutual ratings
How much does Liberty Mutual cost?
Liberty Mutual car insurance costs drivers around $396 monthly on average, or $4,752 annually — about 12% above the national average. Liberty tends to price competitively for drivers with multiple discounts (homeowners, hybrid vehicle, low mileage) but uncompetitively for baseline profiles. Use the cost-by-category table below to see how Liberty typically prices different driver profiles.
Avg monthly
$396
Avg annual
$4,752
vs. national avg
+12%
How Liberty Mutual compares
+12% above the national average for comparable coverage.
Rates by category
| Category | Minimum coverage | Full coverage | Rank |
|---|---|---|---|
| Adult drivers (clean record) | $338 | $396 | #7 |
| Young drivers (18–25) | $842 | $1,015 | #7 |
| Senior drivers (65+) | $318 | $378 | #6 |
| Drivers with a ticket | $415 | $494 | #7 |
| Drivers with an accident | $521 | $612 | #7 |
| Drivers with poor credit | $502 | $594 | #7 |
Liberty Mutual earns #7 overall in our auto rankings — the kind of performance that rewards a closer look, not a coin flip.
Liberty Mutual reputation
Liberty Mutual's customer experience scores trail the industry average. J.D. Power's most recent auto insurance studies place Liberty below the segment average in several regions. NAIC complaint indices have been consistently above the median for a company of its size.
Step 01
Buying process
Online quoting is functional but slower than top-rated competitors. Agent network is broad but quality varies. Bundling-pitch tactics during quoting are aggressive.
Step 02
Policy management
The mobile app is competent but not best-in-class. Document access, ID cards, and policy changes work well; claims initiation through the app is straightforward.
Step 03
Claims experience
Claims experience is the most-cited concern in customer reviews. Settlement times tend to be longer than competitors for non-trivial claims. Customer-reported satisfaction with adjuster responsiveness is mixed.
Independent industry ratings
Independent ratings from major financial-strength and customer-satisfaction agencies:
| Source | Score | Overview |
|---|---|---|
| A.M. Best 1 A.M. Best Insurance-industry credit rating agency since 1899. A++ is the highest financial-strength grade. | A (Excellent) | Strong financial strength, large carrier with diversified business |
| J.D. Power Auto Insurance Satisfaction 2 J.D. Power Consumer satisfaction surveys with 12,000+ policyholders annually. Scores run 0–1000; above 800 is considered excellent. | Below segment average | Consistently trails top-rated carriers |
| NAIC Complaint Index 3 NAIC National Association of Insurance Commissioners. Their complaint index is 1.0 = average; lower is better. | Above median | Higher complaint volume than expected for size |
Liberty Mutual discounts
Liberty Mutual offers 10 discounts to help reduce your premium:
| Discount | Average savings | Eligibility |
|---|---|---|
| Multi-policy | Up to 25% | Bundling home or renters with auto |
| Multi-car | Up to 12% | Two or more vehicles on the same policy |
| Homeowner | Up to 8% | Owning a home (even if home policy is elsewhere) |
| Good student | Up to 15% | Student under 25 with B average or better |
| Hybrid/EV | Up to 10% | Driving an eligible hybrid or electric vehicle |
| RightTrack telematics | Up to 30% | 90-day driving behavior tracking program |
| Online quote/pay | Up to 5% | Quoting online and using e-pay |
| Advance shopper | Up to 7% | Quoting before current policy expiration |
| Military | Varies | Active duty or veteran |
| New vehicle | Up to 10% | Insuring a vehicle within 1-2 years of original purchase |
Liberty Mutual coverage options
Liberty Mutual's coverage breadth is its strongest argument. The 'better car replacement' rider replaces a totaled car with one model year newer; accident forgiveness is available; new car replacement covers depreciation on cars less than one year old. Available customizations exceed what some lower-cost competitors offer.
| Add-on coverage | What it covers | Key features |
|---|---|---|
| Accident forgiveness | First at-fault accident doesn't raise rates (terms vary by state) | Available as an upgrade or earned through tenure |
| New car replacement | Replaces totaled vehicle with current model year if within 1 year of purchase | Standard on some Liberty policies; opt-in on others |
| Better car replacement | Replaces totaled vehicle with model year newer than yours | Premium upgrade; less common in the industry |
| Original parts replacement | OEM parts used in repairs instead of aftermarket | Endorsement available |
| Lifetime repair guarantee | Repairs at Liberty's authorized network shops carry a lifetime warranty | Standard with covered claims at network shops |
| Rideshare insurance | Fills gaps between personal auto policy and Uber/Lyft coverage | Endorsement |
| Mexico coverage extension | Liability coverage when driving in Mexico | Endorsement; check trip-length limits |
Pros and cons
Ordered by impact. The top item in each column is the one we'd weight heaviest in a recommendation.
What's working
- Top pro Strong coverage customization options
- Broad agent network for in-person service
- Genuinely useful endorsements (better car replacement, lifetime repair guarantee)
- Bundle discounts work even without Liberty home policy
- RightTrack telematics rewards safe drivers up to 30% in some states
What's not
- Top con Above-average premiums for most baseline driver profiles
- Customer satisfaction trails major-carrier average
- Claims experience reports are mixed
- Aggressive bundling and add-on sales during quoting
- Rate-creep at renewal more common than competitors
Our verdict
The bottom line
Frequently asked questions
Is Liberty Mutual cheaper than GEICO or Progressive?
For most baseline driver profiles, no. Liberty tends to be in the upper third for price among major carriers. Where it competes is when you stack multiple discounts (homeowner + multi-car + telematics).
Is Liberty Mutual's better car replacement worth it?
If you bought new and the car is less than 1-2 years old, yes — totaled-out cars get replaced with a model year newer. Most carriers settle for actual cash value, which is significantly less.
How does Liberty Mutual's RightTrack compare to other telematics?
RightTrack runs 90 days then locks in your discount. Discounts can reach 30% in some states. It's roughly comparable to Progressive Snapshot in structure, though Liberty's surcharges for bad scores are less aggressive than Snapshot.
Why is Liberty Mutual so expensive for me?
Liberty's underwriting weights certain factors (credit, claim history, urban density) more heavily than some competitors. If your profile triggers those factors, Liberty will be uncompetitive — and a different carrier will likely beat them by 20%+.
How we rated Liberty Mutual
QuoteYeti's auto insurance ratings combine quantitative data from regulatory filings and customer satisfaction studies with qualitative analysis of policy documents and customer reports. We don't accept payment for placement.
60%
Cost
Average rates pulled across driver profiles, ZIPs, and coverage levels. Data normalized to comparable coverage.
30%
Customer experience
J.D. Power member studies, NAIC complaint indices, aggregated review platform sentiment.
10%
Coverage breadth
Endorsement availability and policy customization options.