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Liberty Mutual supplies auto insurance coverage to folks in all 50 states and Washington, D.C. The corporate gives a number of insurance coverage protection choices, superior digital instruments and all kinds of reductions that will scale back your insurance coverage bills.
Learn on to study extra about Liberty Mutual and whether or not it is the very best auto insurance coverage for you.
Liberty Mutual Insurance coverage Professionals and Cons
Superior digital instruments
Vast number of out there reductions
Premiums will be excessive
Professionals defined
A number of insurance coverage protection choices
Liberty Mutual stands out for its wide selection of auto insurance coverage choices. Past the usual automobile insurance coverage choices, that are detailed under, it gives:
Liberty Mutual deductible fund: Pay further premiums to scale back your deductible by $100 yearly. Lifetime restore assure: Liberty Mutual will make it easier to find an authorized restore facility after an accident. Rental automobile reimbursement: For those who get your car repaired at an authorized restore facility, Liberty Mutual can pay your rental automobile prices for so long as it takes to repair your car. Higher automobile alternative insurance coverage: In case your car is totaled, Liberty Mutual will provide you with the cash to switch it with a more moderen mannequin. New automobile alternative insurance coverage: Liberty Mutual will provide you with the cash for a brand new automobile in case your present automobile is totaled inside your first 12 months of shopping for it.
Superior digital instruments
Liberty Mutual gives highly effective digital instruments, together with a user-friendly quote software, a cellular app and the RightTrack program to assist prospects lower your expenses and handle their insurance policies on the go.
RightTrack is a telematics program that allows you to obtain auto insurance coverage reductions by sharing your driving knowledge with Liberty Mutual. The safer you drive, the extra reductions you may obtain. Drivers exterior New York state can use RightTrack by means of Liberty Mutual’s cellular app, however New York drivers should use a plug-in system because of state regulation.
Vast number of reductions out there
Liberty Mutual additionally gives a complete checklist of automobile insurance coverage reductions, together with:
House owner low cost: Being a house owner qualifies you for Liberty Mutual financial savings. Navy low cost: Those that are energetic, reserved or retired from the U.S. Armed Forces will obtain navy reductions. Good pupil low cost: Liberty Mutual will reward you with a reduction should you or your baby have a GPA of at the very least a B. Pupil-away-at-school low cost: You’re eligible for this low cost in case your baby is away in school and solely drives your automobile often. Violation-free low cost: Liberty Mutual will reward you for having a driving historical past freed from visitors violations. Claims-free low cost: Liberty Mutual will reward you should you haven’t needed to declare any harm to your automobile up to now. Multi-car low cost: Insure your entire autos with Liberty Mutual to avoid wasting. Multi-policy low cost: You’ll obtain a reduction for bundling your house, renters or apartment insurance coverage together with your automobile insurance coverage by means of Liberty Mutual. On-line buy low cost: Purchase insurance coverage on-line and lower your expenses. Liberty Mutual will apply the low cost when you full your buy on-line.
Cons defined
Beneath-average buyer satisfaction scores
Liberty Mutual has below-average buyer satisfaction scores. In response to J.D. Energy’s 2022 U.S. Insurance coverage Digital Expertise research, Liberty Mutual’s digital instruments acquired below-average scores for buyer expertise. Equally, Liberty Mutual has a median score of 1.3/5 stars on Trustpilot and a 1.1/5 score on the Higher Enterprise Bureau web site.
Premiums will be excessive
Liberty Mutual automobile insurance coverage costs are typically increased than common. As such, you could need to contemplate one other provider if you need low-cost automobile insurance coverage.
Liberty Mutual Auto Insurance coverage Plans
Legal responsibility protection
Liberty Mutual’s legal responsibility protection helps you pay for the damages you trigger to a different individual or their property. Liberty Mutual gives two legal responsibility protection choices:
Bodily harm legal responsibility protection covers the preliminary medical therapy for anybody injured in an accident that’s your fault. Property harm protection pays for prices related to changing or repairing one other individual’s property once you’re discovered legally accountable for a automobile accident.
Most states require legal responsibility protection for all drivers.
Complete protection
Complete protection pays for damages to your automobile from incidents apart from an accident, together with storms, vandalism, falling bushes, animal collisions or theft. It protects your automobile from issues past your management.
In case your automobile is already paid off, complete protection is often non-obligatory. Nevertheless, you could want complete protection if leasing or financing your automobile.
Collision protection
Collision protection pays for harm to your automobile ensuing from an accident, no matter whether or not the accident was your fault.
Uninsured or underinsured motorist protection
Uninsured or underinsured motorist protection helps you pay for accidents and damages you endure should you’re in an accident and the opposite driver doesn’t have insurance coverage or sufficient insurance coverage to cowl the prices.
Optionally available protection add-ons
Liberty Mutual gives a broad vary of non-obligatory protection add-ons, together with:
Trainer’s auto insurance coverage: For those who’re a trainer, this plan gives further safety in your automobile and educating supplies. Unique components alternative: This allows you to exchange broken automobile components with high-quality new components. Hole protection: In case your leased automobile will get totaled, and your remaining mortgage fee is greater than the automobile’s worth, hole protection can pay for what you continue to owe. This could considerably decrease or eradicate out-of-pocket prices. 24-hour roadside help: Liberty Mutual’s non-obligatory 24-hour roadside help will assist in case your automobile breaks down.
Liberty Mutual Value/Pricing
Liberty Mutual auto insurance coverage charges differ broadly relying on a number of components, equivalent to your state, age, driving document and the way usually you drive. Use Liberty Mutual’s on-line quote system to study extra about insurance coverage protection choices. Alternatively, you may name Liberty Mutual brokers at 1-800-290-8711.
Liberty Mutual Monetary Stability
Contemplate an insurance coverage provider’s monetary stability earlier than buying a coverage from them. The extra financially steady an insurance coverage supplier is, the extra succesful it’s of paying your claims. You will discover an insurance coverage supplier’s monetary energy scores by means of credit standing businesses like A.M. Finest, Commonplace & Poor’s, Moody’s and DBRS, Inc.
Liberty Mutual has acquired the next monetary stability scores:
Total, these scores are robust. They imply that Liberty Mutual can seemingly meet its monetary commitments to policyholders and collectors.
Liberty Mutual Accessibility
Liberty Mutual may be very accessible. It has a streamlined and informative web site, together with a type to fill out on-line for an insurance coverage quote. Buyer assist is out there 24/7.
Availability
Liberty Mutual insurance coverage insurance policies can be found in all 50 states. Nevertheless, some reductions and financial savings solely apply in sure states. As an illustration, Liberty Mutual gives a 12% low cost for getting personalized automobile insurance coverage on-line for all however the next states:
Alaska California Hawaii Montana New York North Carolina North Dakota South Dakota
Contact Info
Liberty Mutual is headquartered at 175 Berkeley Road, Boston, Massachusetts 02116. Nevertheless, the corporate’s billing handle is Liberty Mutual Insurance coverage Group, Private Market — RPC, PO Field 1604, New York, NY 10116-1604.
To get a automobile insurance coverage quote from a buyer consultant, name 1-800-290-8711. Alternatively, you may log in to your Liberty Mutual account in your cellular system or laptop to view or change your coverage, replace your billing info and get 24/7 assist.
You can too textual content with a Liberty Mutual consultant by sending a message to 80361, tweet @AskLiberty on Twitter or message the corporate on Fb at Liberty Mutual.
Consumer Expertise
Total, we discovered Liberty Mutual’s web site and cellular app informative, clear, simple to make use of and streamlined.
Liberty Mutual’s web site features a quoting mechanism, easily-accessible details about its choices and even a monetary stability web page outlining its scores. It additionally has a useful resource heart that teaches you methods to choose the very best insurance coverage coverage and what to do after an accident.
Protection limitations
Liberty Mutual’s decrease and higher protection limits differ relying on the person.
The corporate’s complete automobile insurance coverage covers damages attributable to non-collision-related incidents. Nevertheless, it doesn’t cowl:
Damages to a different driver’s automobile because of a collision Damages to your car ensuing from a collision with one other object or car (collisions with animals are coated) Medical payments, together with accidents to passengers, your self, and people in different autos Strange wear-and-tear prices, like mechanical points and changing windshield wipers and worn tires
Liberty Mutual shouldn’t be alone in setting these limits. These limits additionally apply to different insurers’ complete protection.
Liberty Mutual buyer satisfaction
Liberty Mutual typically has below-average buyer scores.
Liberty Mutual’s Nationwide Affiliation of Insurance coverage Commissioners (NAIC) grievance index report reveals a grievance index of two.66, which is over two instances increased than the common or anticipated NAIC rating of 1.0. Liberty Mutual additionally acquired below-average scores for service and procuring in J.D. Energy’s 2022 U.S. Insurance coverage Digital Expertise Research.
Liberty Mutual has 1.3/5 stars on Trustpilot. Many customers disliked Liberty’s excessive premiums and unhelpful customer support.
Some prospects additionally consider that Liberty Mutual imposes unfair protection limitations. Equally, Liberty Mutual has a 1.1/5 score on Higher Enterprise Bureau. Many shoppers had been dissatisfied with the opaque and complicated claims course of. They had been additionally annoyed by customer support’s lack of responsiveness and timeliness.
Liberty Mutual Insurance coverage FAQ
How a lot are Liberty Mutual auto insurance coverage charges?
You may get a free quote from Liberty Mutual on-line to study extra about your insurance coverage coverage choices. You can too name Liberty Mutual at 1-800-290-8711.
How do you cancel a Liberty Mutual insurance coverage coverage?
Will you’ve gotten a spot in your insurance coverage? Chances are you’ll face important penalties for having an insurance coverage hole, equivalent to a suspended license or state fines.
What reductions and advantages are you getting? For those who’re canceling your Liberty Mutual insurance coverage coverage due to its worth, understand that decrease costs do not essentially imply higher worth. Take a look at your complete package deal earlier than transferring to a brand new insurer.
Are you eligible for decrease charges with Liberty Mutual? Relying in your state, you could be eligible for a brand new fee should you’ve been a Liberty Mutual policyholder for at the very least three years.
Are you transferring to a brand new state? If that’s the case, your charges with Liberty Mutual could change. Take the time to check charges from a number of insurance coverage carriers earlier than you resolve to modify.
How we Evaluated Liberty Mutual Insurance coverage
We evaluated Liberty Mutual insurance coverage by analyzing the next:
Auto insurance coverage and choices, equivalent to legal responsibility protection, complete protection and collision protection. We additionally researched what’s not included in complete protection. The value vary of month-to-month premiums, which depends upon your state, location throughout the state and driving habits. Liberty Mutual’s A.M. Finest, Moody’s, and Commonplace & Poor’s monetary stability scores Web site and repair accessibility, together with mailing handle and cellphone numbers. Availability of Liberty Mutual’s auto insurance coverage, together with the states by which Liberty Mutual’s on-line personalized insurance coverage shouldn’t be out there. Consumer opinions and scores from the NAIC, BBB, J.D Energy, and different on-line buyer stories.
Abstract of Liberty Mutual Insurance coverage Evaluation
Liberty Mutual gives a number of high-quality choices for auto insurance coverage protection. It has an accessible web site and app, superior digital instruments and all kinds of reductions.
Nevertheless, Liberty Mutual has below-average buyer satisfaction scores. If you wish to swap automobile insurance coverage, you could need to contemplate a provider with decrease premiums and higher customer support. Take a look at Cash’s information to the very best auto insurance coverage firms of 2023.
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