Ratings

Auto best-auto-company-ratings
Overall Rating info icon info icon
3.5 ratings
Claims Processing
3.0 ratings
Customer Service
3.5 ratings
Value for Price
3.5 ratings
Website and Apps
3.5 ratings
% Who Would Recommend to a Friend
80%
% Who Plan to Renew
95%
AM Best Financial Strength Ratings info-icon info-icon July 01, 2021
A

HOW WE WEIGH OUR SCORE

WHAT IS THIS RATING?

A.M. Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.

A.M. Best's rating is NOT used to calculate the overall score but it is important information to consider when choosing an insurance company.

Reasons for Buying

Customers of Liberty Mutual originally decided to purchase from the company for these reasons:
  • 30% Offered best price
  • 16% Saw TV commercial
  • 13% Recommended by friend or family member
  • 13% Reputation
  • 12% Financial strength rating
  • 10% Saw online ad
  • 4% I had other insurance with this company
  • 1% The company website and mobile apps are easy to use and helpful
  • 1% Was the company my parents had

How likely to recommend?

  • 42%I would definitely recommend this company
  • 38%I would probably recommend this company
  • 15%Neutral
  • 4%I would probably not recommend this company
  • 1%I would not recommend this company

Would you renew?

  • 95% Yes
  • 5% No

Ratings on Website & Apps

  • Completely satisfied / Outstanding website & apps that give me what I need and more 46%
  • Fairly satisfied / Fulfills my needs OK 26%
  • Average website and apps 13%
  • Unsatisfied / website and/or apps are not fulfilling my needs 7%
  • Very unsatisfied / digital offering is severely lacking 5%

How do you prefer to deal with insurer and policy?

  • Phone 42%
  • In person 21%
  • Interactive website 17%
  • Email 13%
  • Mobile App 7%
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Customer Complaint Ratio

info icon
( Liberty Mutual’s customer complaint ratio for Private Passenger Auto insurance is 1.18 )
1.18
0 1 3 10+
Lower number is better
0 to 1.00
1.01 to 3.00
3.01 and above

About Liberty Mutual

Types of auto coverage

  • Auto
  • Pay-as-you-drive program – RightTrack
  • Motorcycle
  • Classic Car
  • Boat/watercraft
  • Off-road vehicles
  • RV

Additional policies offered

  • Homeowners
  • Renters
  • Condominium
  • Landlord
  • Flood
  • Mobile home
  • Umbrella liability
  • Life

Best Auto Insurance Companies 2021: How Liberty Mutual compares

In our 2021 Best Car Insurance Companies study, Liberty Mutual earned an overall InsureScore of three and a half out of five stars. They received three and a half stars in all categories, price, customer service and website & apps, except claims where they earned a three-star rating. 

We asked Liberty Mutual customers if they would recommend the company to a friend and 80% of them said yes. Ninety-five percent of customers said they planned to renew their policies with Liberty Mutual.

Gauging an insurance company

Before buying with a company it is wise to check on a company's financial strength and complaint record. The A.M. Best rating listed above gives you an idea of Liberty Mutual's financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median.

Company Background

Over one hundred years in the insurance business

Liberty Mutual insurance, the sixth-largest auto and home insurer in the United States, was founded in Boston in 1912 as the Massachusetts Employees' Insurance Association (MEIA). In 1917, MEIA changed its name to Liberty Mutual Insurance Company and partnered with the United Mutual Fire Insurance Company to provide complete automobile insurance.

Today, the Fortune 500 company offers coverage in all states and even offers insurance policies around the globe for both personal and commercial needs.


Consider Liberty Mutual for teachers, organizations and perks

Liberty Mutual offers teachers both collision coverage and vandalism loss protection with a $0 deductible. There is also personal property coverage, protecting teaching materials or school-owned property if it’s damaged or stolen while inside your vehicle. Teachers can also include this special auto policy in a bundle with home insurance for additional discounts.

Members or employees of any of the more than 14,000 employers, groups, credit unions or alumni associations within Liberty Mutual's affinity program are eligible for group savings.

Liberty Mutual offers many perks with its auto coverage: recall notification, 12-month policies, and accident forgiveness. With lifetime repair guarantees, take your vehicle to a certified location for repairs, and the company guarantees the work as long as you own the car. Liberty Mutual also provides Better Car Replacement, which means if your car is totaled in an accident, the company gives you money for a car that is one model year newer with 15,000 miles less that your totaled vehicle.

Contact information

Corporate headquarters

175 Berkeley Street
Boston, Massachusetts 02116

Customer service: 1-800-837-5254

Claims: 1-800-225-2467

Coverage Options
Usage-based/Telematics Icon
Usage-based/Telematics
Rates can be based on your mileage and how you drive.
Accident forgiveness Icon
Accident forgiveness
Your rates won't increase after your first accident.
Vanishing deductible Icon
Vanishing deductible
Your deductible will be reduced as long as you have no accidents or moving violations.
New car replacement Icon
New car replacement
If you total your car the insurer will pay for a new car.
Offers 12-month policies Icon
Offers 12-month policies
Your policy term can be one year before the next renewal.
Mobile app Icon
Mobile app
The insurer offers an app for smartphones.
Discounts
Multi-policy Icon
Multi-policy
Discount for more than one type of policy with the same insurance provider.
Multi-vehicle Icon
Multi-vehicle
Discount for two or more vehicles on the same car insurance policy.
Driver training/Defensive driving Icon
Driver training/Defensive driving
Discount for an approved defensive driving or driver improvement class.
Academic achievement Icon
Academic achievement
Discount for full-time students who meet certain academic criteria.
Passive -restraint (air bag) Icon
Passive -restraint (air bag)
Discount for factory-installed safety devices such as an air bag.

In which states Liberty Mutual is available?

States in which Liberty Mutual is available
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
Washington D.C.

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