Liberty Mutual

The Car Insurance Guide

Overall Personalized Rating: 4.3/5 (Very Good)

Overall Personalized Rating: 4.3/5 (Very Good)


Liberty Mutual, founded in 1912, is one of the oldest and most established insurance companies in the nation. They tend to write policies for drivers with clean driving records and good credit. For those consumers, Liberty is a great choice as its products are priced competitively.

Key Benefits

  • Competitive for drivers with clean records
  • Good reputation and financial stability
  • Great for auto and home bundling

Ratings Summary

Ratings Highlights

Overall Rating
Liberty Mutual is a great option for experienced drivers with a clean driving record that favor quality service over low pricing. The company also ranks near the top when it comes to bundling multiple insurance products, making them a great company to one-stop shop for your insurance needs.
Regarding price, Liberty is average overall. While their prices vary by region, offering the lowest rates possible simply is not their business model -- instead, they focus on providing quality service and coverage.
Handling Claims
Claims servicing is one area that Liberty really shines. Their quality customer service makes it quick and easy to file a claim, and you can expect a prompt response once you do.
Uninsured Drivers
Uninsured drivers tend to struggle to work with Liberty Mutual, as the carrier typically only serves premium drivers with clean records and a long history of being insured.
Young Drivers
Young drivers may struggle to get a competitive quote from Liberty, but it is possible. If you are interested in their coverage options, try getting a free quote just to see what they have to offer.
Bundling Auto with Other Insurance Types
Liberty ranks near the top when it comes to bundling options. If you are interested in saving money on insurance by bundling your policies together, they offer great deals.
Drivers with Tickets/Accidents
Liberty provides excellent service, but you will likely have some challenges getting a competitive quote from them if you have accidents or tickets on record.
Premium Driver
Liberty may be the company for you if you have a clean driving record and a desire for great customer service. For drivers that fall into this category, they have great pricing, a wide range of product options, and highly rated customer service.

Company Background

Founded in 1912 and headquartered in Boston, Liberty Mutual is one of the oldest insurance companies in the U.S. While they write policies in almost all states, they have particularly strong ties to the Northeast. Now one of the largest carriers in the country, they employ over 50,000 people and have more than 900 locations nationwide.

The Car Insurance Guide's Reviews Methodology

The Car Insurance Guide uses a proprietary algorithm to evaluate the car insurance options presented. Factors reviewed and rated include pricing, handling of claims, age of driver, bundling, and driver type. These factors are evaluated and scored to provide an overall score for the carrier as well as being individually assessed to provide a detailed review of the fit of the carrier to the driver. The data comes from research The Car Insurance Guide conducts as an invite-only annual survey and from interviews with car insurance agents. Insights from experts, those whose job it is to understand and recommend the best insurance companies for their clients, is invaluable. Use of The Car Insurance Guide's 2022 reviews by third parties without the express written consent of The Car Insurance Guide is strictly prohibited.