Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance.
Scott Nyerges is an insurance expert and managing editor, insurance. Previously, he was a senior insurance editor and content strategist at U.S. News & World Report, and worked for Consumer Reports, MSN and Cheapism.com.
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Liberty Mutual is not ranked because it doesn’t provide rate data to our partner, Quadrant Information Services, and rates are a significant part of our ranking metrics. However, survey responses for Liberty Mutual are generally positive.
Below is our full review of Liberty Mutual based on the results of our survey. Find the full methodology here.
Liberty Mutual is a good choice for you if:
It might not be the best choice if:
Liberty Mutual doesn’t provide rate data to our partner, Quadrant Information Services. As a result, we aren’t able to share average rates or compare them with competitors’ rates.
Of our four main categories on which we rank insurance companies, Liberty Mutual performed best in terms of ease of service, tying USAA for the highest score at 93%. It scored well in customer satisfaction, at 87%, and for policy offerings, at 88%.
A more challenging area for Liberty Mutual is claims; the 79% satisfaction rating was below that of some major competitors, such as Allstate, but tied with State Farm. USAA had the best score here at 87%.
Below, we’ve compared Liberty Mutual with top competitors for overall customer satisfaction, ease of getting service, policy offerings and claims handling. The numbers represent the percentage of the company’s customers in our survey who were satisfied or highly satisfied in that category.
In our survey, Liberty Mutual performed well when we asked three important questions:
A solid 92% of Liberty Mutual customers plan to renew their coverage, and its scores for trust (87%) and recommendation (85%) were solid as well, although some competitors did better.
Liberty Mutual scored on par with many competitors and better than some in the bundling category. With an 81% satisfaction rating, it outperformed competitors like State Farm and Allstate. Its digital experience rating was also in the average range at 81%.
Discounts were a challenging category for many companies, and Liberty Mutual’s somewhat limited list of discounts may have contributed to a 58% score.
The table below shows the percentage of customers who said they were satisfied or highly satisfied in each category.
$10,610,141,334 in direct premiums written, fourth-largest by market share as of 2024 NAIC Market Share Report
Policies are sold directly as well as through agents; both independent and contracted Liberty Mutual agents sell policies
Mutual company structure where policyholders, not shareholders, own the company
Contact Liberty Mutual at www.libertymutual.com or 844-251-3582.
Sources:
NAIC. “NAIC Releases 2024 Market Share Data” Accessed December 2025.
Liberty Mutual “Homeowners insurance discounts” Accessed December 2025.
Methodology
In late 2025, Insure.com surveyed more than 2,000 insurance consumers through an independent research firm, Dynata. Customers named their insurer and rated it on satisfaction, ease of service, policy options, claims handling, digital experience, discounts, bundling, rate increases, older homes and standard coverages. We also asked whether they planned to renew, would recommend their insurer and trusted their insurer.
For insurers with enough survey responses, we added:
With guidance from Prof. David Marlett, Ph.D., managing director of the Brantley Risk and Insurance Center at Appalachian State University, we applied the following weights to calculate each company’s final rating:
Each insurer received a rating between 0.5 and 5 stars.