Liberty Mutual Review 2019

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About Liberty Mutual

Liberty Mutual is based in Boston and sells a wide range of insurance products, including auto, antique car, motorcycle, homeowners, renters, commercial auto and small business insurance.

For parents worried about losing college tuition money, Liberty Mutual offers tuition insurance in some states. This provides tuition reimbursement if a student has to leave school because of illness, injury or a mental health issue such as depression.

Liberty Mutual customers with an Amazon Echo can ask Alexa for Liberty Mutual insurance estimates and advice on home and auto topics.

In this review:

Auto insurance satisfaction ratings
Price comparison
Auto insurance policy features
Website & app ratings
Auto insurance complaints
Car insurance discounts
Home insurance satisfaction ratings
Company subsidiaries
Liberty Mutual contact information

Liberty Mutual auto insurance customer satisfaction ratings 

We asked current Liberty Mutual car insurance customers to rate the company on several measures. Here are their ratings.

Overall satisfaction: 4 stars

4 stars

Price satisfaction: 3.5 stars

3.5 stars

Customer service satisfaction: 4 stars

4 stars

See more company ratings in our best car insurance companies survey.

Would you choose Liberty Mutual again?

As another measure of satisfaction, we asked current Liberty Mutual car insurance customers if they would choose the company again.

In our survey, the highest percentage of people who would choose the same company again are customers of USAA, Mercury Insurance and Amica.

Would you choose Liberty Mutual car insurance again?

Liberty Mutual car insurance price comparison

We analyzed premiums reported by EverQuote users with good driving records to see how prices compare between Liberty Mutual and other insurers. Here's how it compares with the four cheapest insurers in our analysis.

Insurance company Average annual premium
Shelter Insurance Co. $1,453
Erie Insurance $1,488
The Hartford $1,549
American Family $1,551
Liberty Mutual $1,879

Does Liberty Mutual have what you want?

Do you want special features in a car insurance policy? Here's a look at what Liberty Mutual offers as add-ons or as separate policies:

More details about Liberty Mutual options

New car replacement: If your car is totaled car and was less than a year old and had less than 15,000 miles, this optional coverage pays for a brand new car. It's not available for leased cars or motorcycles.

Better car replacement: If your car is totaled, this optional coverage pays for a car that's a year newer and with 15,000 miles less than the totaled car. It's not available for leased cars or motorcycles.

ByMile: For drivers who don't drive much, this "pay as you drive" insurance uses the number of miles you drive each month to determine your premium. (Not available in all states.)

Liberty Mutual Deductible Fund: Customers who buy collision insurance can receive a $100 annual credit towards a "collision deductible bank." If you make a collision claim, your collision deductible is reduced up to the value of your bank balance. You must buy an endorsement to get this feature.

Liberty Mutual car insurance discounts

Here are some of the Liberty Mutual auto insurance discounts offered, based on our review of state insurance filings made by Liberty Mutual. Discounts details may change among states, and may not be available in all states or from every Liberty Mutual subsidiary.


  • College educated.
  • Group Savings Plus discount (for employees of participating employers and members of participating organizations).
  • Defensive driving course discount (for drivers age 55 and older who complete an approved accident-prevention course).
  • Platinum discount (for customers who are homeowners insuring two or more vehicles and who have a four-year bachelor's degree or higher).
  • Motorcycle accident-prevention course.
  • Good student (for full-time students under age 26 who meet academic criteria, such as a B average or higher or ranking in the top 20% of their class).


  • Anti-lock brake.
  • Anti-theft device.
  • Passive restraint.
  • Multi-motorcycle discount (for customers insuring two or more motorcycles).
  • Antique car.


  • Multi-car.
  • Multi-policy.
  • Early shopper (based on the number of days a new customer gets a Liberty Mutual quote before the new policy starts or the old policy expires).

Website & app

We asked Liberty Mutual auto insurance customers if they had used the company's website or app and, if they had, asked if they were satisfied with the experience.

Website and app satisfaction

Complaints against Liberty Mutual Insurance

Complaints about Liberty Mutual car insurance are at the same level as the industry median.

Each state's insurance department handles complaints against insurers that operate in the state. The National Association of Insurance Commissioners collects complaint data and produces a complaint ratio. The number is meant to show the number of complaints relative to a company's size of business. 


Liberty Mutual complaints

Liberty Mutual home insurance satisfaction ratings

We asked current Liberty Mutual homeowners insurance customers to rate the company on several measures. Here are their scores.

Overall satisfaction: 4 stars

4 stars

Price satisfaction: 3.5 stars

3.5 stars

Customer service satisfaction: 4 stars

4 stars

See more company ratings in our best home insurance companies survey.

Would you choose Liberty Mutual home insurance again?

We also asked current Liberty Mutual home insurance customers if they would choose the company again. Less than half said yes; many said maybe.

In our survey, the highest percentage of people who would choose the same company again are customers of Chubb (87%).

Would you choose the same home insurance company again?

Companies within Liberty Mutual

It's common for insurance groups to have many subsidiaries. These subsidiaries may not operate in all states and could focus on different types of customers or business. Liberty Mutual's subsidiaries include:

  • First Liberty Insurance Corp.
  • Wausau Business Insurance Co.
  • Wausau General Insurance Co.
  • Wausau Underwriters Insurance Co.
  • LM Insurance Corp.
  • LM General Insurance Co.
  • LM Property and Casualty Insurance Co.
  • Liberty Surplus Insurance Corp.
  • Liberty Lloyds of Texas Insurance Co.
  • Liberty County Mutual Insurance Co.
  • Liberty Insurance Holdings
  • Liberty Mutual Agency Corp.
  • Indiana Insurance Co.
  • Peerless Insurance Co.
  • Colorado Casualty Insurance Co.
  • Netherlands Insurance Co.
  • America First Insurance Co.
  • Excelsior Insurance Co.
  • Hawkeye-Security Insurance Co.
  • Midwestern Indemnity Co.
  • Mid-American Fire & Casualty Co.
  • Peerless Indemnity Insurance Co.
  • Liberty Northwest Insurance Corp.
  • Oregon Automobile Insurance Co.
  • North Pacific Insurance Co.
  • Golden Eagle Insurance Corp.
  • America First Lloyd's Insurance Co.
  • Safeco Corp.
  • American States Preferred Insurance Co.
  • American Economy Insurance Co.
  • Safeco Insurance Co. of America
  • San Diego Insurance Co.
  • Liberty Insurance Corp.
  • Insurance Co. of Illinois
  • Liberty Mutual Mid-Atlantic Insurance Co.
  • Liberty Insurance Underwriters
  • Montgomery Mutual Insurance Co.
  • Ironshore Inc.
  • LM Personal Insurance Co.

Source: S&P Global Market Intelligence

Liberty Mutual contact information

Headquarters:
175 Berkeley Street
Boston, MA 02116
website
Customer service: (888) 398-8924
Claims: (844) 339-5299

Methodology

For star ratings and whether customers would choose the company again, EverQuote commissioned a survey of 150 current customers of Liberty Mutual in January 2019. The survey was not open to the public on EverQuote.com. 

For premium comparisons, we analyzed premiums reported by EverQuote users from Jan. 1, 2017, to Dec. 31, 2018. Users had liability limits of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist limits of 100/300 ($100,000 per person, $300,000 per accident). Rates are for a single driver with one vehicle and no accidents or violations. Your own rates will be different.

Updated March 15, 2019

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