{"id":324309,"date":"2025-11-11T16:23:59","date_gmt":"2025-11-11T21:23:59","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=80927"},"modified":"2025-11-12T13:24:19","modified_gmt":"2025-11-12T18:24:19","slug":"liberty-mutual-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/liberty-mutual-review\/","title":{"rendered":"Liberty Mutual Car Insurance Review for 2025"},"content":{"rendered":"\n\n \n\n\n<h2 class=\"wp-block-heading\">Reviews Report<\/h2>\n\n\n\n<ul class=\"is-style-blog-list\">\n<li>Reviews.com scores Liberty Mutual car insurance a 4.4 out of 5 based on discounts, customer satisfaction, and more.<\/li>\n\n\n\n<li>Liberty Mutual advertises more than a dozen discounts, including telematics savings with <a href=\"https:\/\/www.libertymutual.com\/righttrack\">RightTrack<\/a> (up to 30%) and a pay-per-mile option, <a href=\"https:\/\/www.libertymutual.com\">ByMile<\/a>, in select states.<\/li>\n\n\n\n<li>Recent <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\">J.D. Power studies<\/a> show Liberty Mutual often scores below the segment average for overall satisfaction, but it offers popular add-ons like <a href=\"https:\/\/www.libertymutual.com\">New Car Replacement, OEM parts coverage, roadside assistance, and GAP<\/a> (availability varies by state).<\/li>\n<\/ul>\n\n\n\n<p>As one of the longest-standing private insurers, Liberty Mutual car insurance is a trusted household name among motorists across the nation. Based in Boston, Massachusetts, Liberty Mutual has been in business since 1912 and offers not only a wide variety of coverage options and discounts, but also helpful tools and services to manage policies and file claims, including an online <a href=\"https:\/\/www.libertymutual.com\/claims\">Claims Center<\/a> and mobile app. Liberty Mutual sells auto insurance in all 50 states and Washington, D.C., while availability for property lines varies by state, with documented restrictions in California (<a href=\"https:\/\/www.forbes.com\">source<\/a>; <a href=\"https:\/\/www.insurancejournal.com\/news\/west\/2024\/\">California market context<\/a>). Our Liberty Mutual <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/best\/\">car insurance<\/a> review is based on pricing, features, customer support, and overall satisfaction scores.<\/p>\n\n\n\n<section id=\"block_6066234df9999\" class=\"block b-stats-overview\">\n    <h2 class=\"b-stats-overview-title\">Liberty Mutual Car Insurance Overview<\/h2>\n    <div class=\"b-stats-overview-grid\">\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                Reviews.com Score: \n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">4.4<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                AM Best: \n                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">A<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                J.D. Power:\n                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">827*<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                In Business Since:\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">1912<\/span>\n        <\/div>\n            <\/div>\n<\/section>\n\n\n\n<p>Though it may not be exceptional in the market, Liberty insurance has a stable financial position as validated by an AM Best rating of A (Excellent) with a Stable outlook, which indicates its ability to pay out claims (<a href=\"https:\/\/www.libertymutualgroup.com\/about-lm\/company-overview\/financial-strength-ratings\">AM Best rating details<\/a>). In the past, the company has won several accolades for being one of the <a class=\"achor-toggles\" href=\"https:\/\/www.forbes.com\/lists\/best-employers-for-new-grads\/#1c14cffb203a\">best employers<\/a>, <a class=\"achor-toggles\" href=\"https:\/\/www.hrc.org\/resources\/corporate-equality-index\">workplace diversity<\/a> and equality, and for being a <a class=\"achor-toggles\" href=\"https:\/\/www.afpmass.org\/Massachusetts_Gives\">corporate philanthropist<\/a>, and it is frequently recognized on the <a href=\"https:\/\/fortune.com\/ranking\/fortune500\/\">Fortune 500<\/a> and the <a href=\"https:\/\/disabilityin.org\/what-we-do\/disability-equality-index\/\">Disability Equality Index<\/a>. Although the company\u2019s customer satisfaction in recent <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\">J.D. Power studies<\/a> tends to be lower than some competitors, Liberty Mutual offers nationwide auto coverage and several lines of insurance products to choose from (availability varies by state).<\/p>\n\n\n\n<section id=\"block_60662387f999e\" class=\"block b-pro-cons\">\n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> PROS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--pros\">\n                                <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Plenty of features:<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Liberty Mutual offers all standard car insurance coverage, and you can customize a policy with any of the additional 12 options. <\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Notable discounts: <\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">From signing up online to participating in a safe driver program, Liberty Mutual customers can save up to 30% on the annual premium with the discounts. <\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Deductible fund:<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">By contributing a mere $30 annually to a deductible fund, you can have your deductible reduced by $100 for each year you don\u2019t use the coverage.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Online tools:<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">With the convenient website and mobile app, managing your policy and submitting claims become quick and hassle-free.<\/span>\n                            <\/li>\n                <\/ul>\n<\/div>\n    \n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> CONS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--cons\">\n                                <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Average customer satisfaction score: <\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">In J.D. Power\u2019s auto insurance study, Liberty Mutual insurance reviews are slightly below average in customer satisfaction scale.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Higher than average complaints:<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">On NAIC\u2019s complaint index, the company scores 2.76 for its private passenger lines, more than twice the average complaint index as expected in the auto insurance market.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Limited availability of discounts:<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Although Liberty Mutual offers multiple discounts, not all of them are available in every state. This might make it hard for people in different locations to have the same savings.<\/span>\n                            <\/li>\n                <\/ul>\n<\/div>\n    <\/section>\n\n\n                \n<section id=\"block_60662404f99a6\" class=\"block b-highlights-tabs\">\n    <h2 class=\"b-highlights-tabs__title\">Liberty Mutual Highlights<\/h2>\n    \n    <div class=\"b-highlights-tabs__tabs-list\">\n        <div class=\"b-highlights-tabs__tabs-list-nav\">\n                            <div class='b-highlights-tabs__tabs-list-nav-item active' data-index=\"1\"> Coverage <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"2\"> Customer Experience <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"3\"> Discounts &#038; Add-ons <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"4\"> Claims <\/div>\n                    <\/div>\n\n        <div class=\"swiper-container\">\n            <div class=\"swiper-wrapper\">\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Coverage\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p><span style=\"font-weight: 400;\">Liberty Mutual offers the standard coverages that a motorist might need, plus optional add-ons for drivers to customize their policies. Some unique features include new <\/span><a href=\"https:\/\/www.libertymutual.com\/auto\/car-insurance-coverage\/new-car-replacement-insurance\"><span style=\"font-weight: 400;\">car replacement coverage<\/span><\/a><span style=\"font-weight: 400;\">, which covers the actual value of a new vehicle if it is totaled within the first year, <\/span><a href=\"https:\/\/www.libertymutual.com\/auto\/car-insurance-coverage\/better-car-replacement\"><span style=\"font-weight: 400;\">better car replacement<\/span><\/a><span style=\"font-weight: 400;\"> coverage, which pays to buy you a newer model than the one totaled, and <\/span><a href=\"https:\/\/www.libertymutual.com\/auto\/car-insurance-coverage\/teachers-auto-insurance\"><span style=\"font-weight: 400;\">teachers insurance<\/span><\/a><span style=\"font-weight: 400;\">, which offers additional benefits for teachers while the vehicle is on school premises or used for school-related events. Here\u2019s what Liberty Mutual car insurance can cover:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bodily injury liability<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Property damage liability coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical payments<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Collision\/Comprehensive coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Personal injury protection<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Uninsured\/underinsured motorist protection<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Diminishing deductible<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lifetime repair guarantee<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">New car replacement<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Better car replacement<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Teachers car insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Roadside assistance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rental reimbursement<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gap insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Original parts coverage<\/span><\/li>\n<\/ul>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Customer Experience\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p><span style=\"font-weight: 400;\">Liberty Mutual reviews indicate average scores on the customer experience front. According to the online customer reviews, the claims filing process can be difficult to navigate and the customer support is not always helpful.<\/span><span style=\"font-weight: 400;\"> However, do keep in mind that for a company of this size, it is not unusual to have a high number of complaints, since the customer pool is also large.<\/span><\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Discounts &#038; Add-ons\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p><span style=\"font-weight: 400;\">Customers are rewarded with discounts at every step. By purchasing your policy online instead of over the phone you may save up to 12% on your annual premium. Enrolling in the <\/span><a href=\"https:\/\/www.libertymutual.com\/righttrack\"><span style=\"font-weight: 400;\">RightTrack <\/span><\/a><span style=\"font-weight: 400;\">program can get you up to a 30% discount by practicing safe driving habits. Other discounts are for homeowners, good students, being accident-free and more. Notable add-ons include <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/car\/is-gap-insurance-worth-it\/\"><span style=\"font-weight: 400;\">gap insurance<\/span><\/a><span style=\"font-weight: 400;\">, rental reimbursement, and 24\/7 roadside assistance. Here are advertised Liberty Mutual car insurance discounts:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Homeowner<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Early Shopper<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Military\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Good Student\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Student-Away-at-School\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Alternative Energy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Advanced Safety Features\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accident-Free<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Anti-Theft Device\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">RightTrack<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Violation Free\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Online Purchase<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-Policy\/Car\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Paid-in-Full\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Paperless Policy <\/span><\/li>\n<\/ul>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Claims\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p><span style=\"font-weight: 400;\">Round-the-clock claims filing is offered by Liberty Mutual. Customers can either call a representative at 1-844-629-8984, use online chat or the mobile app to submit a claim. Through the mobile app, it is also possible to send pictures of the damage and get an estimate. <\/span><span style=\"font-weight: 400;\">Once a claim is submitted, you can track the progress online or through the app.<\/span><\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                            <\/div>\n\n            <div class=\"swiper-navigation-wrapper-refresh\">\n                <div class=\"swiper-button-prev\"><\/div>\n                <div class=\"swiper-pagination\"><\/div>\n                <div class=\"swiper-button-next\"><\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h2 class=\"wp-block-heading\">Liberty Mutual vs. The Competition&nbsp;<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>Provider<\/strong><\/td><td><strong>Reviews.com Score<\/strong><\/td><td><strong>AM Best<\/strong><\/td><td><strong>J.D. Power Customer Satisfaction*<\/strong><\/td><td><strong>No. of Discounts<\/strong><\/td><\/tr><tr><td><strong>Liberty Mutual<\/strong><\/td><td>4.4<\/td><td>A<\/td><td>Below average (varies by region)<\/td><td>17<\/td><\/tr><tr><td><strong>Geico&nbsp;<\/strong><\/td><td>4.8<\/td><td>A++<\/td><td>Near\/around average (varies by region)<\/td><td>16<\/td><\/tr><tr><td><strong>State Farm<\/strong><\/td><td>5<\/td><td>A++<\/td><td>Above average (varies by region)<\/td><td>11<\/td><\/tr><tr><td><strong>Progressive<\/strong><\/td><td>4.4<\/td><td>A+<\/td><td>Near\/below average (varies by region)<\/td><td>13<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Information accurate as of November 2025.<\/em><\/p>\n\n\n\n<p><em>*J.D. Power\u2019s <\/em><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\" rel=\"nofollow\" class=\"achor-toggles\"><em>2025<\/em><\/a><em><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\" rel=\"nofollow\" class=\"achor-toggles\"> <\/a><\/em><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\" rel=\"nofollow\" class=\"achor-toggles\"><em>Auto Insurance Satisfaction Study<\/em><\/a><em> results vary by region. Based on a 1,000-point scale.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Liberty Mutual vs. Geico<\/h3>\n\n\n\n<p>At first glance, <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/geico-review\/\">Geico<\/a> and Liberty Mutual appear to promote a similar breadth of discounts, but GEICO offers some that Liberty may not (for example, federal employee and emergency deployment). GEICO also offers rideshare coverage and mechanical breakdown insurance. On third-party measures, GEICO\u2019s AM Best rating is A++ (Superior), higher than Liberty Mutual\u2019s A (Excellent), while recent <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\">J.D. Power<\/a> satisfaction results are mixed by region and do not consistently place either brand among top performers (<a href=\"https:\/\/www.geico.com\">GEICO ratings<\/a>; <a href=\"https:\/\/www.libertymutualgroup.com\/investors\/credit-ratings\">Liberty Mutual ratings<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Liberty Mutual vs. State Farm<\/h3>\n\n\n\n<p>Both Liberty Mutual and <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/state-farm-review\/\">State Farm<\/a> offer similar core auto coverages and popular add-ons. State Farm typically scores above the industry average in recent <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\">J.D. Power<\/a> studies and holds an A++ (Superior) AM Best rating, whereas Liberty Mutual\u2019s satisfaction tends to be below average and its AM Best rating is A (Excellent) (<a href=\"https:\/\/www.statefarm.com\/about-us\/company-overview\/financial-information\/financial-ratings\">State Farm ratings<\/a>; <a href=\"https:\/\/www.libertymutualgroup.com\/investors\/credit-ratings\">Liberty Mutual ratings<\/a>).<\/p>\n\n\n\n<p>Furthermore, recent J.D. Power results continue to show State Farm generally scoring above the industry average, while Liberty Mutual tends to be below average; exact scores vary by region and are reported on a 1,000-point scale (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\">source<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Liberty Mutual vs. Progressive<\/h3>\n\n\n\n<p> Although <a href=\"https:\/\/www.reviews.com\/insurance\/car\/progressive-review\/\">Progressive<\/a> and Liberty Mutual offer many of the same core coverages and discounts, Progressive markets distinct features such as the Name Your Price\u00ae Tool, Snapshot telematics, rideshare coverage and teen-driver focused savings. On financial strength, Progressive\u2019s AM Best rating is A+ (Superior), above Liberty Mutual\u2019s A (Excellent), while customer satisfaction for both brands varies by region and neither is a consistent top performer across markets (<a href=\"https:\/\/investors.progressive.com\/credit-ratings\/default.aspx\">Progressive ratings<\/a>; <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\">J.D. Power<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Liberty Mutual FAQ<\/h2>\n\n\n<div id=\"block_60662476f99ab\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is Liberty Mutual a good insurance company?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">With a wide range of coverage options and discounts, Liberty Mutual can certainly be counted amongst the <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/car\/the-largest-car-insurance-companies\/\"><span style=\"font-weight: 400;\">largest insurers<\/span><\/a><span style=\"font-weight: 400;\"> in the country. However, car insurance is highly personal and what works for one person may not work for another, so you must do your own research.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60662481f99ac\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How do I contact Liberty Mutual?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Getting in touch with customer support can be done in three ways: Liberty Mutual\u2019s 24\/7 toll-free helpline, online chat, or through the mobile app.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6066248df99ad\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is Liberty Mutual better than Geico?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">While both companies offer the same kind of coverage, Geico has fewer discounts, but much higher third-party ratings. When it comes to deciding which company is better for your situation, getting quotes based on your personal history and individual coverage needs can help you decide if Liberty Mutual or Geico is the better car insurer.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_615b258d8ecd2\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is Liberty Mutual good at paying claims?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">In the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2021-us-auto-claims-satisfaction-study\">2021 J.D. Power Auto Claims Satisfaction study<\/a>, Liberty Mutual earned 876 out of a possible 1,000 points for customer satisfaction. With an average rating of 880, Liberty Mutual is slightly below average when it comes to customer satisfaction. However, the auto insurer has an A financial rating with AM Best, showing its superior financial holdings offer the ability to meet their obligations, including paying claims.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated Liberty Mutual based on discounts, coverage, online resources, financial strength and customer satisfaction to determine Reviews.com scores and create our best car insurance reviews. To compare car insurance companies with other providers across the board, we calculate each Reviews.com score based on the following:<\/p>\n\n\n\n<ul>\n<li>Discounts: Auto insurance companies that advertised more discounts received higher scores in our methodology.<\/li>\n\n\n\n<li>Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each car insurance company\u2019s financial stability.<\/li>\n\n\n\n<li>Customer Satisfaction: J.D. Power ranks car insurance companies by customer satisfaction, so we used its <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\" rel=\"nofollow\" class=\"achor-toggles\">2025 U.S. Auto Insurance Study<\/a> to compare the average rating of insurers across all regions.<\/li>\n\n\n\n<li>Coverage: Car insurance companies were awarded higher scores for advertised coverages beyond the body liability, property liability, collision and personal injury protection.<\/li>\n\n\n\n<li>Online Resources: We reviewed the digital resources of each car insurance company and awarded higher scores to insurers with mobile claim estimates, digital insurance cards, and more.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Reviews Report As one of the longest-standing private insurers, Liberty Mutual car insurance is a trusted household name among motorists across the nation. Based in Boston, Massachusetts, Liberty Mutual has been in business since 1912 and offers not only a wide variety of coverage options and discounts, but also helpful tools and services to manage [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":350302,"parent":1760,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"page-templates\/template-refresh-spr.php","meta":[],"categories":[1266],"tags":[],"post_author":[24594],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Liberty Mutual Review | Reviews.com<\/title>\n<meta name=\"description\" content=\"Liberty Mutual promises a simple online quote process and useful resources to help you find the right policy and coverage types at an affordable rate.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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