UPDATED: Apr 25, 2022

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Written By: Jeffrey JohnsonReviewed By: Laura WalkerUPDATED: Apr 25, 2022Fact Checked

Liberty Mutual is a Fortune 500 company and one of the top car insurance companies in the US with a 4.4% market share of auto insurance policies nationwide. Founded in 1912, the Liberty Mutual Insurance Company today is the 5th largest Property and Casualty insurance company in America with over 400 offices nationwide.

Liberty Mutual also offers a wide range of life  insurance and homeowners insurance products.

Use our FREE quote tool to compare auto insurance rates today!

About Liberty Mutual Auto Insurance

Liberty Mutual offers car insurance coverage for your typical needs and over 90% of customers annually renew their policies.

Some of the available auto insurance plans drivers can purchase through Liberty Mutual are:

  • Liability Insurance
  • Comprehensive Insurance
  • Collision Coverage
  • PIP — Personal Injury Protection
  • Medical Payments
  • Uninsured Motorist Coverage
  • Underinsured Motorist Coverage

In addition to typical policy coverage Liberty Mutual also offers a number of additional options which may be included or available to policyholders including:

New Car Replacement*

Vehicles less than a year old (not previously owned and with less than 15,000 miles) involved in a total loss accident are fully covered and coverage will pay for the value of a brand new vehicle

Guaranteed Repairs*

Policyholders who use approved repair shops benefit from a Lifetime guarantee on vehicle repairs

Accident Forgiveness*

Policyholders outside of North Carolina enjoy single accident forgiveness as long as you have been a policyholder for 5 years without an accident and no driving violations for the past three.

Unlimited Rental Car Coverage*

An optional coverage which guarantees a covered rental car for as long it takes to repair your vehicle

Multi-Policy Discount*

Policyholders who purchase homeowners and auto insurance can save up to 10% on total insurance premiums.

Liberty Mutual also offers online account management, a 24 hour claims assistance department, quick claims handling and more.

*Contact Liberty Mutual about eligibility, availability and details of these features as not all policyholders may qualify and details may be different than noted here

Liberty Mutual Car Insurance Discounts

Liberty Mutual offers a number of car insurance discounts drivers can take advantage of to save money on the cost of premiums. Some of the car insurance discounts offered include:

  • Good Driver Discount
  • Vehicle Safety Discount
  • Low Mileage Discount
  • Good Student Discounts
  • Multi-Vehicle Discount
  • Affinity Group Discounts

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Does Liberty Mutual offer Motorcycle Insurance?

Yes. Liberty Mutual sells motorcycle insurance coverage and has a number of coverage options for motorcycle owners including:

  • 12 month Policy Terms
  • Accessory Coverage
  • Roadside Assistance
  • Flatbed Towing Service

Liberty Mutual motorcycle insurance polices offer many benefits such as no depreciation value for the first year if your motorcycle is stolen or declared a total loss in the first 12 months.

Experienced riders can also save money with insurance discounts including a discount for simply having your motorcycle license for 3 years or more… appropriately called the “Experienced Rider Discount”

Liberty Mutual Claims Handling Review

Liberty Mutual is one of the few car insurance companies who have really embraced today’s technology and the company has a large presence across all the social media channels including Facebook, YouTube, Twitter and more.

Filing a claim with Liberty Mutual is very easy and they even have a 24 hours claims assistance department and an iPhone App so you can file a claim right from your phone.

See a commercial of the Liberty Mutual iPhone App below:

Liberty Mutual Car Insurance Review

Liberty Mutual is extremely strong financially with an A or higher rating from almost all independent rating agencies and the company has almost a 100 year history so if you are looking for a reliable car insurance provider few can match the strength of this company.

The company also claims to have 91% policy renewal rate and that alone is a testament to the quality customer service they provide. As far as downfalls go some consumers report Liberty Mutual car insurance rates are higher than other similar providers but you really don’t know for sure until you compare quotes.

Almost all of the large car insurance companies have this complaint from some number of drivers.

Overall the Liberty Mutual Auto Insurance Company is one of the top choices as a car insurance company in our opinion but its imperative you do a car insurance comparison search and compare at least a few providers.

Use our FREE quote tool to compare auto insurance rates today!

Related posts:

  1. USAA Car Insurance Reviews
  2. State Farm Auto Insurance Reviews
  3. PEMCO Insurance Reviews

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance-related. We update our site regularly, and all content is reviewed by auto insurance experts.

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years Laura Walker