Liberty Mutual

The Car Insurance Guide

Overall Personalized Rating: 4.3/5 (Very Good)

Overall Personalized Rating: 4.3/5 (Very Good)

Summary

Liberty Mutual, founded in 1912, is one of the oldest and most established insurance companies in the USA. Liberty Mutual tends to prefer and write competitively priced products for drivers without a lot of blemishes on their driving records and that are homeowners (people who bundle home and auto insurance). For those consumers, Liberty is a great choice as its products are priced competitively and it is known for providing high levels of service. Consumers tend to find that Liberty Mutual's offerings are less competitive if they are more price sensitive or are not bundling.

Key Benefits

  • Financially strong
  • Good reputation
  • Provides high level of service
  • Prefers to write drivers who are also homeowners (bundling the policy)

Ratings Summary

Ratings Highlights

Overall Rating
Liberty Mutual is a great option for experienced drivers with a clean driving record that favor high service levels over rock-bottom pricing. Also, Liberty 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.
Pricing
Our auto Insurance agent respondents think Liberty is not a price leader. Our pricing research confirms that Liberty isn't a price leader, but competitive prices could be found in some geographic regions, although not in others. In general, Liberty focuses more on service and product offerings than providing the cheapest rate possible.
Handling Claims
Our auto Insurance agent respondents ranked Liberty near the top when it came to servicing and processing claims. Although you never want to file a claim, Liberty is a good choice if you ever do.
Uninsured Drivers
Liberty provides excellent service, but you may have some challenges getting a competitively priced quote from them if you are uninsured. That shouldn't stop you from trying, because they are a very good company to work with if you do succeed.
Young Drivers
Liberty provides excellent service, but you may have some challenges getting a competitively priced quote from them if you are a young driver. That shouldn't stop you from trying, because they are a very good company to work with if you do succeed.
Bundling Auto with Other Insurance Types
Our survey respondents ranked Liberty near the top for providing bundled insurance products, like Auto and Home. With a good selection of products and favorable bundled pricing, Liberty is a great choice to one stop shop for your insurance needs.
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. Our pricing research often found that Liberty does not offer a quote if you have bad major blemishes on your driving record.
Premium Driver
Liberty may be the company for you if you have a clean driving record and desire great service. Our insurance agent respondents gave Liberty a high rating for good drivers that wanted quality service and very good product options.

Company Background

Liberty Mutual, founded in 1912, is one of the oldest insurance companies in the US. Liberty Mutual began as an employee's workers' compensation insurance program and wrote its first policies in 1914. Liberty Mutual is a national company, writing policies in all but a couple of states. However, due to their roots, they have a particularly strong brand in the northeastern portion of the United States. Liberty is headquartered in Boston, MA and has over 50,000 employees in 900 locations. Liberty Mutual is the Nation's sixth largest carrier, with a little over 5% market share.

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 2021 reviews by third parties without the express written consent of The Car Insurance Guide is strictly prohibited.