Is Liberty Mutual Auto Insurance the right fit for you?
Last Updated: 04/21/2026
SuperMoney User Recommendation Score +76
Strongly recommended17 total votes
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Strongly recommended
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A(Verified 02/04/2026)
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Liberty Mutual Auto Insurance Review
Liberty Mutual is a car insurance carrier based in Boston, MA. The insurance company was founded in 1912 and offers car insurance in 50 states (and Washington, DC).
If you're considering whether Liberty Mutual car insurance is a good option for you, read on.
Liberty Mutual car insurance Pros & Cons
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Liberty Mutual car insurance FAQ
What types of car insurance coverage options does Liberty Mutual car insurance offer?
Although we often talk about car insurance in the singular, it really includes several types of coverage options.
Liberty Mutual car insurance customers can also add the following riders or endorsements to their insurance policies:
- Accident Forgiveness: Liberty Mutual offers accident forgiveness, which excuses your first accident. This means no insurance rate increase, even if it's your fault.
- Transportation Network Company or ride-sharing coverage: Standard car insurance policies don't provide coverage the moment you log into a TNC or a ridesharing app like Uber or Lyft. This endorsement covers this gap.
- Modified Vehicle Insurance: This coverage, also known as customized parts and equipment coverage, can help repair or replace alterations and upgrades you make to your vehicle. Notice that most car insurance policies will only cover original equipment so you may want to consider this policy if you've invested a lot of money on aftermarket parts and upgrades.
- Rental Car Coverage: Rental car coverage, also known as rental car reimbursement, pays for the cost of a car rental if you can't drive your vehicle because of a covered loss, such as a car accident, theft, or vandalism.
- Loan / Lease / GAP Coverage: GAP coverage covers the difference between what you owe on your vehicle and its current cash value in the event of a total loss.
- Emergency Roadside Service: Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.
- Mechanical Breakdown Coverage: If your vehicle is protected by mechanical breakdown insurance the costs of repairs (not including maintenance or normal wear and tear) are covered by your policy. However, you will need to obtain authorization from your insurance company first.
Does Liberty Mutual car insurance have roadside assistance?
Emergency Roadside Service available. Yes, Liberty Mutual offers roadside assistance to policyholders. Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.Does Liberty Mutual car insurance offer ridesharing insurance?
Ridesharing coverage available. : Yes, Liberty Mutual car insurance offers ridesharing insurance to policyholders as a rider or endorsement. Standard car insurance policies don't provide coverage the moment you log into a TNC or a ridesharing app like Uber or Lyft.What benefits does Liberty Mutual car insurance offer?
Liberty Mutual car insurance offers the following benefits to its customers:
- 24/7 Phone Availability: Customer service is staffed around the clock.
- Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.
- Digital Claims Reporting: Never fax or mail a document again.
- Mechanical / Auto Body Repair Network: Enjoy the competitive prices and peace of mind of having access to a network of service and repair shops.
What insurance discounts does Liberty Mutual car insurance offer?
When you ask for an insurance quote with Liberty Mutual car insurance, make sure you ask for all the insurance discounts you qualify for. These are the insurance discounts currently available that are specific to car insurance.- Alternative Fuel / Hybrid: For some reason, possibly because they drive fewer miles, people who own hybrids or alternative fuel vehicles pose a lower insurance risk. If your car is green, make sure you earn the rewards.
- Anti-Lock Brake System: ABS technology reduces uncontrolled skids and insurance premiums. Most cars have them but it's an insurance discount people often forget to ask for.
- Internal Safety Features: Liberty Mutual car insurance offers additional savings if you have seatbelts, airbags, and similar safety features. Ask what other safety features on your car will trigger an inurance discount.
- New Vehicle: If you buy a current year or previous year model, you will qualify for an insurance discount on your premium.
- Telematics Device (Usage-Based Insurance): You can qualify for an insurance discount if you agree to install a sensor that records your driving habits.
Want more insurance discounts? Check the insurance discounts tab for a full list of general policy insurance discounts you can qualify for with Liberty Mutual car insurance.
How does Liberty Mutual calculate insurance rates?
Car insurance companies guard their risk-assessment algorithms as a trade secret, and Liberty Mutual is no exception. However, you can be confident that Liberty Mutual car insurance will take into consideration your driving record, age, gender, marital status, and address.
Other factors it will take into consideration are your vehicle (make and model), insurance history, and how you use your car.
Does Liberty Mutual car insurance use your credit score?
It is safe to assume that, when legal, a car insurance company will use your credit score as a rating factor. There are two exceptions.
- If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
- There are also a handful of car insurance companies that base their insurance rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.
How can I get a Liberty Mutual car insurance insurance quote
- Visit the Liberty Mutual website.
- Fill out the insurance online quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
- Check the information is accurate and submit your application.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Liberty Mutual car insurance
Hours of Operation
Sunday
Closed
Monday
8:00AM - 6:00PM
Tuesday
8:00AM - 6:00PM
Wednesday
8:00AM - 6:00PM
Thursday
8:00AM - 6:00PM
Friday
8:00AM - 6:00PM
Saturday
Closed
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SuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +76, or 4.5 on a 5-point rating scale.
+76
-1000+100
No one recommends
Everyone recommends
Liberty Mutual Auto Insurance Community Reviews
Would you recommend Liberty Mutual Auto Insurance to your friends?
MA
Mohsin A.
Dec 12, 2022
May or may not recommend
It's best than other accourding prices and performance so i will recommend it
David B.
Jan 26, 2021
May or may not recommend
I got my Toyota Prius early last year ams was looking for a reliable autoinsurance for my car.A friend introduced Liberty autoinsurance. Liberty's comprehensive car insurance reviews and its financial strength make it a smart choice for me. Their customer support officials were quite receptive to complaints and attended to me well. I actually found the fees relatively cheaper compared to other auto insurance services available.
They are one of ...Show More
MP
Melanie P.
Jan 11, 2021
May or may not recommend
This company is a joke. They had no call to step in on my pain management appointment cause they thought it was for my car accident. Well as a result my pain management appointment did not get covered by medicare and I have to send in an appeal. Not like liberty mutual was gonna pay my pain management appointment and I never got reimbursed for my cell ...Show More
MO
Micheal O.
Dec 23, 2020
May or may not recommend
Liberty Mutual is an amazing auto insurance company. I have made extensive research on the best company to insure my car when my friend told me about Liberty Insurance.
They have the best insurance packages, and their officials help you to make the best decisions and explain things clearer and give discounts! They are also cheaper compared to other auto insurance companies. Thank you Liberty Mutual!
DB
Dave B.
Dec 22, 2020
May or may not recommend
This helped me put amazing insurance for my first car. This place was very helpful to me. They were even nice. They gave a 12 dozen glaze of donuts to take home. Aside from that, they gave me full coverage bumper to bumper insurance for my 2018 Honda Civic Hatchback. Great place to get an insurance from.
RO
Ronke O.
Dec 10, 2020
May or may not recommend
Liberty Mutual is always available to listen to you whenever you reach out to them on phone. I really appreciate this because I have used several other insurance companies that lack this feature. Hence, I will highly recommend them!
AO
Allen O.
Oct 27, 2020
May or may not recommend
When I was involved in a motor accident, I didn’t have sufficient money to cover both hospital expenses and car repairs. Thankfully, I had an auto insurance policy with Liberty Mutual. I believe this was one of my best decisions this year and I am grateful to my friend who introduced me to them.
PC
Prodigee C.
Oct 23, 2020
May or may not recommend
I like their flexible services and affordable insurance with multiple perks and customizable add on. I once had an accident with my car and I didn’t have to pay more. They give discounts in different categories, such as being a retired US military personnel or owning a house. There is also repair guarantee when you locate affiliate shops.
NG
Nelson G.
Oct 23, 2020
May or may not recommend
I was already tired of all auto insurance my friends had recommended, so I decided to hunt for insurances with fidelity in August when I came across Liberty Mutual Auto Insurance. They did not only placed me under a suiting auto insurance package for my vehicle but also offered multiple vehicle equipment discounts! With them, a complicated process became easy, and they were incredibly patient in answering my questions. I ...Show More
PH
Patrick H.
Oct 22, 2020
May or may not recommend
I was trying to find the right insurance company that had the best prices and the best coverage. I ran cross Liberty Mutual Auto Insurance and to be honest, the company made my day. They had an answer to everything; the employees are so sweet and did not stop untill they made me happy. Thank you Liberty Mutual Auto Insurance
SA
Samuel A.
Oct 15, 2020
May or may not recommend
Liberty Mutual Auto Insurance has reasonably priced insurance with lots of discounts and great customer service. They are pretty friendly for an insurance company, and they always help you get the best prices and discounts. From my findings, they were more than $150 cheaper than other auto insurances. In my books, they are highly recommended.
RS
Rasak S.
Oct 15, 2020
May or may not recommend
Having tried and tested Liberty Mutual Auto Insurance, there is no mincing word that insuring your car with the company is a step in the right direction. Given the fact that automobiles are very prone to risk and danger, insuring your auto must be a non-negotiable priority on everyone's list. No doubt, you stand to derive a lot of benefits in the long run just like I did.
DH
Dalton H.
Oct 5, 2020
May or may not recommend
I checked out Liberty Mutual after not having great success with different auto insurance companies. I'm very happy with the coverage I have for a very reasonable price. Further, I've had to speak with customer service a few times and they've been great! I'm definitely staying with Liberty Mutual.
Orlando J.
Sep 18, 2020
May or may not recommend
Only been with Liberty Mutual company for a month now, but it's been liberating as heck. This is the first time since 2006 that I've paid less than $200/month for insurance. Before the judgment begins, I'll note that I don't have a bad driving record. Maybe 5 tickets in the past 15 years, and none withing the past five.
The company I used before Liberty Mutual charged me about double ...Show More
JM
Johnson M.
Aug 6, 2020
May or may not recommend
I highly recommend Liberty Mutual, one of my favorite all American insurance companies. When a car bumped into the side of my son's truck, they didn't raise the fees, as many other companies would gladly do so in a heartbeat. For that I am highly grateful, and they aren't expensive, either, with great customer service and dependable coverage.
U
Anonymous
Feb 22, 2019
May or may not recommend
Liberty Mutual did a classic “bait and switch” on us. They had us buy into a policy that was $2800/yr, then, after a year with a [still] perfect driving record and no late payments, upon renewal, our policy jumped to about $3,800. Upon signing up, we were told that our old provider had such high premiums due to all the unsafe drivers in our area, and that Liberty Mutual wouldn’t ...Show More
U
Anonymous
Jun 11, 2015
May or may not recommend
Liberty Mutual was very helpful and really made sure i understood all the coverage plans that would meet my needs. I was able to make a well informed decision without any sales pressure. Subjected to nothing but professionalism , knowledge and curtiousy.
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