Liberty Mutual car insurance review
4.0 / 5 editorial rating
By the Five Star Insurance Reviews editorial team · Updated October 13, 2026
Quick take
- Best for: Drivers who want to tailor coverage
- Stands out: Wide menu of optional coverages
- Keep in mind: Add-ons can raise the price quickly
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General overview based on published features. Coverage, discounts and availability vary by state; confirm details with Liberty Mutual. How we rate
At a glance
| Sold through | Online, by phone and through agents |
|---|---|
| Where available | All 50 states and DC |
| AM Best rating | A |
| Usage-based program | RightTrack, with a 90-day review period |
| Also worth knowing | Offers 12-month policy terms; accident forgiveness add-on in most states |
Details verified October 2026 from carrier websites, AM Best and published reviews. AM Best ratings and state availability can change, so confirm with the carrier and at ambest.com.
What it does well
- Wide menu of optional coverages
- Multi-policy discounts
Watch out for
- Add-ons can raise the price quickly
Who it may suit
- Liberty Mutual tends to suit drivers who want to tailor coverage.
- Look at other carriers too if this worries you: add-ons can raise the price quickly.
Before you buy: check these
- Financial strength: Look up the insurer’s financial strength rating from agencies such as AM Best. It shows how likely the company is to pay claims.
- Complaint history: Search your state department of insurance and the NAIC consumer insurance search for complaints about the company.
- Claims and service: Read recent customer surveys, such as J.D. Power studies, and independent reviews, and ask people who have filed claims.
- Coverage details: Compare the same limits and deductibles on every quote, and ask which discounts are applied.
Questions to ask before you buy
- Which coverages and limits are included, and which are optional add-ons?
- What deductible applies to collision and comprehensive?
- Which discounts am I getting, and which could I still qualify for?
- How does the price change at renewal, and what could raise it?
- How do I file and track a claim?
Compare Liberty Mutual and other quotes
Keep comparing
- Liberty Mutual vs Nationwide
- Allstate vs Liberty Mutual
- Progressive review
- GEICO review
- State Farm review
FAQs
Is Liberty Mutual a good fit for me?
Liberty Mutual tends to suit drivers who want to tailor coverage. Your quote depends on your own profile, so compare at least three carriers before you decide.
Does Liberty Mutual have the cheapest rates?
No carrier is cheapest for everyone. Rates vary by driver, vehicle and location, so the only way to know is to compare quotes.
How do I get a Liberty Mutual quote?
You can request quotes from several carriers at once through our partner, or visit Liberty Mutual’s own website.
Where is Liberty Mutual available?
All 50 states and DC. Availability can change, so confirm with the carrier.
How can I check Liberty Mutual’s financial strength and complaints?
Look up financial strength ratings from agencies such as AM Best, and search complaint history through your state department of insurance and the NAIC consumer insurance search. Do this before you buy.
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