ENGLISH (832) 930-3059 | SPANISH (832) 356-7254
Daniel Albert Law FirmDaniel Albert Law Firm

Liberty Mutual Car Insurance Review for 2022 – Kelley Blue Book

Liberty Mutual Car Insurance LogoLiberty Mutual Car Insurance LogoThis Liberty Mutual Car Insurance review will cover the company’s extensive array of discounts and coverage options. Its variety of programs and user-friendly website are Liberty’s strengths and might be the main reason to choose this significant and historic insurance company.

On the other hand, Liberty has received higher than average customer complaints. As a result, it generally ranks lower than the industry average. Customer service is undoubtedly essential, but to help you make a fully informed decision, we will dive into what makes Liberty Mutual stand out from its competitors.

So this Liberty Mutual review will answer your questions about its insurance rates, discounts, and programs in the following areas:

Products and Services Offered by Liberty Mutual

Liberty Mutual offers several types of insurance, including home, car, and business. Its car insurance products include liability, collision, comprehensive, uninsured/underinsured motorist, personal injury protection (PIP), and medical payments for car accident coverage. Beyond that, Liberty Mutual also offers a full range of insurance programs.

  • Deductible Fund®
    Customers can add money to a deductible fund, lowering your collision deductible. The customer adds $30, while Liberty Mutual adds $70.
  • Lifetime Repair Guarantee
    This coverage guarantees that your vehicle will get the repairs it needs as long as you are the owner.
  • New/Better Car Replacement
    Liberty Mutual will replace it with a year younger model if your car is totaled. This benefit is only available for new vehicles or less than 15,000 miles.
  • GAP Insurance
    With GAP Insurance, the insurer will cover the difference between what you owe for a vehicle and its cost if it is totaled.
  • Accident Forgiveness
    You can make sure that your quote remains the same even if you get into an accident for the first time after being insured by Liberty Mutual.

Additional coverage options include roadside assistance, new car replacement, and original parts replacement. Apart from that, teachers and people traveling to Mexico can also get coverage options at a discounted price.

Auto Insurance graphic for Liberty Mutual Car Insurance ReviewAuto Insurance graphic for Liberty Mutual Car Insurance Review

How Will a Liberty Mutual Policy Benefit Me?

If you are a low-mileage driver or a teacher looking for a second vehicle to use for work, Liberty Mutual might be a good choice for you. Its comprehensive coverage and discounts make it a preferable choice for low-risk customers. However, its lower-than-average customer satisfaction could make you reconsider your decision to choose Liberty Mutual.

Multiple Discounts 

On the upside, Liberty Mutual offers a large variety of options to lower your quote price. Homeowners, early shoppers, and active or ex-military members are eligible for special discounts. You can get a lower rate if you are a safe driver, buy a policy online, or are a good student. Here are some other discount options we found interesting:

  • The RightTrack Program
    You can get up to a 30% discount if you allow Liberty Mutual to monitor your driving behavior. All you have to do is download an app on your phone to receive it immediately. However, how big the discount is can change within the 90-day evaluation period depending on your driving habits.
  • Alternative Energy Discount
    This discount comes for simply insuring a hybrid or electric vehicle.
  • Multi-Policy Discount
    If you cover several people in your family, you’ll be eligible to receive a discount with Liberty Mutual.
  • Student Away at School
    Students that go to school or college away from home and occasionally drive their vehicles are eligible for a discount with Liberty Mutual.

Additionally, you will receive other discounts if you drive accident-free, violation-free, or have installed safety measures in your car (like anti-theft devices).

How Much Does Liberty Mutual Insurance Cost?

Cost of Insurance and ownership Cost of Insurance and ownership

According to The Zebra, the average six-month Liberty Mutual insurance policy costs $863. However, you might get a different quote based on your age, gender, and the state where you live.

Although the tables from Savvy data below are Liberty’s national average, you can look at how various factors may impact your average annual car insurance rates with Liberty Mutual Car Insurance.

Savvy collects data from consumers’ current policies, including rate information, age, marital status, and other demographics. The statistics offer a representative sample used as a general guide. Learn more about Savvy’s methodology.

Annual Cost by Age, Gender, and Marital Status 

Average Annualized Per Operator
Age Group Gender Marital Status Value
25 to 34 female married $2,387.97
25 to 34 female single $2,074.07
25 to 34 male married $2,376.85
25 to 34 male single $2,231.73
35 to 49 female married $2,395.66
35 to 49 female single $1,912.35
35 to 49 male married $2,338.78
35 to 49 male single $2,073.73
50 to 69 female married $2,620.92
50 to 69 female single $1,163.08
50 to 69 male married $2,856.27
50 to 69 male single $1,113.58

Source: Savvy

Does Where I Live Impact Car Insurance Costs from Liberty Mutual?

The answer is yes. The state where you live can significantly impact how much you pay for car insurance.

In addition, your driving history, credit history, and where you live locally can also affect rates. However, you’re in luck if you live in California, Massachusetts, Hawaii, and Michigan. Read on to find out more.

What Impacts My Car Insurance Quote?

Stacked and unstacked insuranceStacked and unstacked insurance

Many things can happen that will raise your insurance rates. When putting together your quote, age, gender, marital status, and location are not the only factors that Liberty Mutual considers.

DUI

Liberty Mutual is less expensive than some regarding DUI penalties, but they are not the cheapest. According to The Zebra, the average DUI penalty at Liberty Mutual increases your rates by $988. The highest is Allstate, with a $1,746 bump in rates. The lowest is Progressive, with a $400 rate increase.

Accident Penalties

There’s good news at Liberty Mutual if you get into an accident. The company offers accident forgiveness, which makes their at-fault accident or collision penalties just about average.

According to The Zebra, this is what you can expect to pay on average for the three years following a mishap or accident that you caused:

  • First year: Average annual rate of $2,358
  • Second year: Average annual rate of $3,068
  • Third year: Average annual rate of $3,779

Car insurance call after an accidentCar insurance call after an accident

This up-charge is significantly lower than some of the most expensive insurers following a collision, like Allstate, whose rates after the third year will go up to $5,276 on average, and Progressive at $5,110.

Credit Score Penalty

A bewildering fact about insurance companies is that they factor in your credit rating before quoting your coverage. If you have an exceptional credit score, you’re in luck. However, a poor or extremely low FICO credit ranking could see you paying more than twice what your counterparts with good credit are setting aside.

A growing number of states passed laws to prevent car insurance companies from checking credit scores. Those states include:

  • California
  • Hawaii
  • Massachusetts
  • Michigan

Washington state passed a temporary law disallowing the practice. In other states, like Oregon and Utah, it’s not legal for car insurers to cancel policies or not renew them based on credit score, even if they still use it to determine rates.

TIP: If your credit is a concern and you don’t live in one of the states mentioned above or drive a ton of annual miles, ask about the pay-per-mile insurance option. This usage-based plan could be a way to save on auto insurance.

How Is Liberty Mutual’s Customer Satisfaction?

Liberty Mutual’s customer satisfaction rates do not rank the highest in the industry. This low rating is an essential aspect of the company to consider because you want to be confident that, as a customer, the company will have your back.

Woman filling out customer service survey on phoneWoman filling out customer service survey on phone

Based on the National Association of Insurance Commissioners (NAIC) index, which measures customer complaints, the number of complaints filed for Liberty Mutual in 2020 was 2.2 times higher than average for a company of its size.

However, the J.D. Power 2021 U.S. Auto Insurance Study, which examines customer satisfaction in five areas (billing process/policy information, claims, interaction, policy offerings, and price), ranks Liberty Mutual below average in all but two regions in which it operates. According to the survey of just under 40,000 drivers, Liberty Mutual ranked above average in Texas and the Southwest United States. It ranked below average in the Southeast, North Central, New York, New England, Mid-Atlantic, the Central U.S., and California.

Liberty Mutual Background

Regarding financial stability, Liberty received an A rating by A.M. Best, which means that it has a high chance of paying back its obligations to customers. This score is significant, as you want to make sure your insurer will cover any expenses that you might have, should you get into an accident.

Founded in 1912, Liberty Mutual is the sixth-largest insurance company in the states and offers a variety of insurance coverage. It now has nearly a 5% market share and provides home, vehicle, and business policies.

Related Insurance Stories

On the other hand, Liberty has received higher than average customer complaints. As a result, it generally ranks lower than the industry average. Customer service is undoubtedly essential, but to help you make a fully informed decision, we will dive into what makes Liberty Mutual stand out from its competitors.
So this Liberty Mutual review will answer your questions about its insurance rates, discounts, and programs in the following areas:
Liberty Mutual offers several types of insurance, including home, car, and business. Its car insurance products include liability, collision, comprehensive, uninsured/underinsured motorist, personal injury protection (PIP), and medical payments for car accident coverage. Beyond that, Liberty Mutual also offers a full range of insurance programs.
Additional coverage options include roadside assistance, new car replacement, and original parts replacement. Apart from that, teachers and people traveling to Mexico can also get coverage options at a discounted price.
Auto Insurance graphic for Liberty Mutual Car Insurance ReviewAuto Insurance graphic for Liberty Mutual Car Insurance Review
If you are a low-mileage driver or a teacher looking for a second vehicle to use for work, Liberty Mutual might be a good choice for you. Its comprehensive coverage and discounts make it a preferable choice for low-risk customers. However, its lower-than-average customer satisfaction could make you reconsider your decision to choose Liberty Mutual.
On the upside, Liberty Mutual offers a large variety of options to lower your quote price. Homeowners, early shoppers, and active or ex-military members are eligible for special discounts. You can get a lower rate if you are a safe driver, buy a policy online, or are a good student. Here are some other discount options we found interesting:
Additionally, you will receive other discounts if you drive accident-free, violation-free, or have installed safety measures in your car (like anti-theft devices).
Cost of Insurance and ownership Cost of Insurance and ownership
According to The Zebra, the average six-month Liberty Mutual insurance policy costs $863. However, you might get a different quote based on your age, gender, and the state where you live.
Although the tables from Savvy data below are Liberty’s national average, you can look at how various factors may impact your average annual car insurance rates with Liberty Mutual Car Insurance.
Savvy collects data from consumers’ current policies, including rate information, age, marital status, and other demographics. The statistics offer a representative sample used as a general guide. Learn more about Savvy’s methodology.
Source: Savvy
The answer is yes. The state where you live can significantly impact how much you pay for car insurance.
In addition, your driving history, credit history, and where you live locally can also affect rates. However, you’re in luck if you live in California, Massachusetts, Hawaii, and Michigan. Read on to find out more.
Stacked and unstacked insuranceStacked and unstacked insurance
Many things can happen that will raise your insurance rates. When putting together your quote, age, gender, marital status, and location are not the only factors that Liberty Mutual considers.
Liberty Mutual is less expensive than some regarding DUI penalties, but they are not the cheapest. According to The Zebra, the average DUI penalty at Liberty Mutual increases your rates by $988. The highest is Allstate, with a $1,746 bump in rates. The lowest is Progressive, with a $400 rate increase.
There’s good news at Liberty Mutual if you get into an accident. The company offers accident forgiveness, which makes their at-fault accident or collision penalties just about average.
According to The Zebra, this is what you can expect to pay on average for the three years following a mishap or accident that you caused:
This up-charge is significantly lower than some of the most expensive insurers following a collision, like Allstate, whose rates after the third year will go up to $5,276 on average, and Progressive at $5,110.
A bewildering fact about insurance companies is that they factor in your credit rating before quoting your coverage. If you have an exceptional credit score, you’re in luck. However, a poor or extremely low FICO credit ranking could see you paying more than twice what your counterparts with good credit are setting aside.
A growing number of states passed laws to prevent car insurance companies from checking credit scores. Those states include:
Washington state passed a temporary law disallowing the practice. In other states, like Oregon and Utah, it’s not legal for car insurers to cancel policies or not renew them based on credit score, even if they still use it to determine rates.
TIP: If your credit is a concern and you don’t live in one of the states mentioned above or drive a ton of annual miles, ask about the pay-per-mile insurance option. This usage-based plan could be a way to save on auto insurance.
Liberty Mutual’s customer satisfaction rates do not rank the highest in the industry. This low rating is an essential aspect of the company to consider because you want to be confident that, as a customer, the company will have your back.
Woman filling out customer service survey on phoneWoman filling out customer service survey on phone
Based on the National Association of Insurance Commissioners (NAIC) index, which measures customer complaints, the number of complaints filed for Liberty Mutual in 2020 was 2.2 times higher than average for a company of its size.
However, the J.D. Power 2021 U.S. Auto Insurance Study, which examines customer satisfaction in five areas (billing process/policy information, claims, interaction, policy offerings, and price), ranks Liberty Mutual below average in all but two regions in which it operates. According to the survey of just under 40,000 drivers, Liberty Mutual ranked above average in Texas and the Southwest United States. It ranked below average in the Southeast, North Central, New York, New England, Mid-Atlantic, the Central U.S., and California.
Regarding financial stability, Liberty received an A rating by A.M. Best, which means that it has a high chance of paying back its obligations to customers. This score is significant, as you want to make sure your insurer will cover any expenses that you might have, should you get into an accident.
Founded in 1912, Liberty Mutual is the sixth-largest insurance company in the states and offers a variety of insurance coverage. It now has nearly a 5% market share and provides home, vehicle, and business policies.

Liberty Mutual offers a Rental Car Reimbursement program (at additional cost) that covers out-of-pocket rental car fees and offers valet service to drop off your rental and take your car to the shop. There is also an app that manages your rental car requests.
Like most insurers of auto insurance, Liberty Mutual offers many pros and cons to different types of consumers. It’s best to read reviews, call around for quotes, and weigh all your options before deciding which policy and provider you want to go with as your insurer.
The best cars and best deals delivered to your inbox
By subscribing, you agree to our privacy policy

Price Your New Car on KBB.com

source

Leave A Reply

Subscribe to our newsletter and promotions