Liberty Mutual Auto Insurance

Get affordable car insurance quotes from top companies like Liberty Mutual Auto Insurance

Looking to learn about Liberty Mutual Insurance ? We’ve got you covered. Keep reading to find out about Liberty Mutual’s pros and cons, discounts, customer reviews, and how they stack up against other insurers. Plus, we can help you compare car insurance quotes from top carriers like Liberty Mutual Insurance.

Best If

  • You want better car replacement after an accident and strong online tools

Worst If

  • You want breakdown coverage or 24-hour customer support

By The Numbers

  • Liberty Mutual has over 50,000 employees worldwide
  • Offers insurance in all 50 states and Washington, D.C.

What Does a Policy Cost?

Comparing quotes is the best way to get the lowest rates from top insurers like Liberty Mutual Auto Insurance. QuoteWizard is an independent company that helps you find the right policy at your best rate.

Consumer Satisfaction and Financial Strength Ratings

Consumer Complaint Data
Year Total Complaints Percent Change
2016 160 -40%
2015 267
2014 235 +26%
2013 187 --
Source: National Association of Insurance Commissioners

J.D. Power ratings by region (out of 1000)

  • California: 785 — below average
  • Central: 798 — below average
  • Florida: 814 — slightly below average
  • Mid-Atlantic: 801 — below average
  • New England: 801 — at average
  • New York: 792 — below average
  • North Central: 804 — slightly below average
  • Northwest: 758 — far below average
  • Southeast: 800 — far below average
  • Southwest: 826 — slightly above average
  • Texas: 792 — lowest rated
U.S. Auto Insurance Shopping Study (2019)
Overall Purchase Experience Among the best
Policy Offerings Among the best
Pricing Above average
Local Agent Among the best
Call Center Representative Above average
Insurer Website Average
U.S. Auto Insurance Claims Satisfaction Study (2018)
Overall Satisfaction Average
First Notice of Loss Average
Service Interaction Average
Appraisal Average
Repair Process Average
Rental Car Experience Average
Settlement Average
Source: J.D. Power

Financial Ratings

A

A.M. Best

Excellent rating; third-highest possible

A2

Moody's

High quality with very low risk; sixth-highest possible rating

A

S&P's

Strong; sixth-highest possible rating

Market Share

In 2015 Liberty Mutual’s market share was 5.07 percent, the fourth-largest in the US. That same year, it had $29.85 billion in Property and Casualty premiums written.

Typical Discounts

Bundle & Save

When you combine policies with Liberty Mutual, you can receive special discounts for bundling and thus save more money.

Multi-Car Discount

The discount does just as it says. For customers who have multiple cars on one policy, Liberty Mutual aims to provide the best value. This helps make managing your auto insurance as stress-free as possible.

Exclusive Group Savings

Liberty Mutual has partnerships with more than 14,000 groups. Being a member of any one of them could make you eligible for a discount with the insurance company.

Roadside Assistance

Liberty Mutual 24-Hour Roadside Assistance

Towing & Labor coverage on the policy. Collision/comprehensive covers this first but Towing & Labor kicks in if driver doesn’t have collision/comprehensive coverage

Roadside Services covered

  • Towing - You'll be towed to the Nearest Qualified repair shop
  • Jumpstart a dead battery - So you can get where you want to go
  • Deliver fuel - We'll get you enough gas to reach the nearest service station
  • Change a flat tire
  • Unlocking vehicle doors - If you're locked out of your car, we'll get it unlocked

Contact Phone Number

Liberty Mutual’s Emergency Roadside Assistance is available through its mobile app, or by calling 1 (800) 426-9898. Click here to go to the Liberty Mutual Roadside Assistance website.

Mobile Apps

Liberty Mutual has a quite a few mobile apps to choose from for managing your car insurance.

The Liberty Mutual Mobile App includes all the features and services of the company’s website. You can use it to:

  • Pay bills
  • View policy details
  • Change your coverage
  • and more

You can also use it to record details of your incident and get your claim process started.

The Liberty Mutual CarZen App is mainly geared for Apple devices, and is a powerful tool for car shopping. Use it to research any type of car, see its details with hi-res photos and read thorough reviews. CarZen makes car shopping simple and hassle-free.

The Home Gallery App allows you to log all your personal items into one mobile database. You’ll have a complete home inventory you can access in the event of theft or damage to your home.

Click here for more information and to download any of the Liberty Mutual mobile apps.

History

Liberty Mutual was called the Massachusetts Employees’ Insurance Association when it first opened in 1912. To this day, it’s based in Boston, though its name changed to Liberty Mutual in 1917. The company grew a from a single-line, specialized insurer to one of the leading insurance providers in the world.

Today, as a Fortune 100 Company, Liberty Mutual has more than 900 locations around the world in 20 countries. Its patriotic theme shines through its long-term sponsorship of the PBS series, American Experience.

Claims Process

File a claim with Liberty Mutual.
If you’ve filed a claim you can view your claim here.

The website prompts you to choose which type of insurance you need before entering the process. Liberty Mutual then guides you through the claims process online. You're assigned a unique quote ID so you may retrieve your quote for up to 30 days.

For the auto claims process, there is an Appraisals and Repairs phase as well. After your accident, you have three options for inspecting and repairing your car:

  • Guaranteed Repair Network
    • Log into the website and search for a Guaranteed Repair Network shop. When you find one near you, schedule an appointment to fix your car
  • Your Selected Repair Shop
    • Do you have a preferred repair shop? Liberty Mutual works with them and allows you to take your car there. Liberty Mutual will work directly with the repair shop to review an estimate and may a payment
  • Liberty Mutual Drive In
    • Bring your car to a Liberty Mutual repair shop and have it inspected by a staff member. You’ll get an estimate and be able to choose where to have your car repaired.

Contact Information

Claims Site
Consumer Affairs Site

Mailing Address:

175 Berkeley Street
Boston, MA 02116

Customer Service Phone Number: 1 (800) 837 - 5254