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Written by
Daniel Walker |
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Reviewed by
Daniel Walker
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UPDATED: Jun 28, 2022
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Liberty Mutual provides auto insurance with competitive rates that customers can lower by combining various discounts. Additionally, Liberty has been rated “A” by A.M. Best, indicating excellent financial strength.
Discovering more about Liberty auto insurance will help you decide if the company is right for you.
Before jumping into this Liberty auto insurance review, enter your ZIP code to find car insurance rates in your area.
The cost of coverage is a common concern among customers looking for auto insurance. There are many aspects of car insurance to consider, but the price is often a determining factor.
Various factors go into determining an individual’s car insurance costs. Some of the factors that insurance providers consider include:
The cost of your coverage will depend on these factors, so you’ll have to look for an individual quote to find an accurate estimate. However, examining the average rates of car insurance will give you an idea of what you’ll pay.
In most states, drivers must maintain a minimum amount of insurance. This minimum coverage usually consists of liability. The following chart shows the average annual Liberty auto insurance minimum coverage rates based on age.
Liberty Auto Insurance Average Annual Minimum Coverage Rates By Age
| Driver's Age | Liberty Auto Insurance Annual Minimum Coverage Rates |
|---|---|
| 16 | $2,412 |
| 21 | $1,261 |
| 25 | $1,052 |
| 45 | $879 |
| 60 | $913 |
As you can see, rates decrease as drivers age but slightly increase when they become senior citizens. Liberty auto insurance rates are most affordable for drivers in their 30s and 40s.
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Each state requires that drivers carry a minimum amount of insurance, but this isn’t enough to cover all situations. Increasing your coverage will prepare you for any incident, ensuring that you don’t have to pay the expenses out of pocket.
If your vehicle is financed, the bank or dealership that holds the loan may require you to have full coverage until you pay off the car. Insurance companies sell auto coverages individually, so there isn’t a full coverage option. However, purchasing all of the typical insurance coverages is called full coverage.
The following table shows the primary insurance coverages that make up a full coverage plan and the purpose of each type of coverage.
Liberty Auto Insurance Coverages
| Auto Insurance Types | Purpose of Coverage |
|---|---|
| Bodily injury liability | Pays for medical bills if someone else suffers an injury in an accident caused by you. |
| Collision | Covers damage to your car after an accident. |
| Comprehensive | Covers damage to your car when you’re not driving. |
| Property damage liability | Liability coverage that covers the cost of any property damage you’ve caused in an accident. |
| Uninsured/underinsured motorist | Covers the costs if you’re in an accident caused by a driver with little or no car insurance. |
In addition to these common coverages, Liberty provides options for its customers to purchase. These options are not mandatory but will give more protection if you get into an accident or suffer damage to your vehicle. The following are options offered by Liberty.
Additionally, Liberty customers can add roadside assistance to their policy for $12 to $20 annually. This coverage allows the driver to receive help 24 hours a day if they have car trouble. Purchasing this coverage allows the insured to receive support such as:
Customers can request roadside assistance by calling the Liberty auto insurance phone number at 1-800-426-9898. You can also find help online or on their mobile app. Adding this coverage to your policy increases Liberty auto insurance quotes.
In addition to car insurance, Liberty Mutual sells other types of coverage, including motorcycle insurance, renters insurance, and homeowners insurance.
Depending on your age, driving history and other factors, auto insurance can be expensive. Liberty provides various discounts that can help you lower your rates. These deals depend on multiple factors, including your:
The following table shows the Liberty auto insurance company discounts and the eligibility of each saving opportunity.
Liberty Auto Insurance Discounts
| Auto Discount | Discount Eligibility |
|---|---|
| Homeowner | Insured owns a single-family home. |
| Military | Insured is a current or former member of the military. |
| Early shopping | Request a quote before your current insurance policy expires. |
| Good student | High school or college students with at least a 3.0 grade point average. |
| Green vehicle | Drive a hybrid or electric vehicle. |
| Anti-lock brakes | Cars with factory-installed anti-lock brakes. |
| Anti-theft | Cars include anti-theft devices, like alarms, tracking systems, and kill switches. |
| Safe driver | Display safe driving habits, like having passengers wear seat belts, low driving speeds, and less aggressive driving. |
| Multi-car policy | Insure more than one car on a single auto insurance policy. |
| Multi-policy | Bundling different types of insurance. |
| Paid in full | Policy is paid in one payment. |
| Online purchase | Purchase a policy online. |
| Electronic paperwork | Receive paperwork electronically. |
Combining as many discounts as possible will help you find the best rates. When inquiring about quotes, asking a representative about these saving opportunities will help you find all deals for which you qualify.
Credit rating agencies review the financial strength of insurance companies. Then, the agencies rate them, indicating whether a company will provide a payout when you file a claim. The most trusted agencies have completed Liberty auto insurance reviews.
Liberty Mutual has been rated “A” (“Excellent”) by A.M. Best and S&P and “A2” (“Prime”) by Moody’s. None of these ratings are at the top of the agency’s scale. However, they all indicate that the company is financially sound.
Additionally, Liberty Mutual is rated A+ from the Better Business Bureau (BBB), indicating that the company is transparent and trustworthy when dealing with customers.
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The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) list complaints made about insurance companies. Examining these complaints allow customers to determine the company’s quality of service.
At the time of this review, the BBB has received 1,220 complaints about Liberty during the past three years. The majority of these complaints are about the company’s products and services, though a considerable number are about the company’s billing practices.
According to the NAIC, Liberty insurance has a complaint index ratio of 2.20. This number indicates that Liberty has more than double the number of complaints about a competitor of a similar size.
While Liberty has many complaints, reading through customers’ grievances will help you determine if they should be a concern when choosing an auto insurance company.
Liberty Mutual has multiple mobile apps that allow customers to complete various tasks. These apps are available on any mobile device. The primary app will enable customers to:
Additionally, the Liberty Mutual CarZen app assists customers with car shopping. Customers can use this app to research cars, see photos of the vehicle, and read reviews about the vehicle they’re considering.
After you purchase an auto insurance policy from Liberty Mutual, you create an account on the company website. In addition to changing coverage options, customers can log in to file a claim. Liberty allows customers to file claims online, by phone, or in person.
The claims process typically takes less than 10 minutes to complete. To file a claim, customers need some basic information, including:
After filing the claim, a Liberty claims adjuster will review the damage. This assessment might only require photos of the incident but could also require interviews with witnesses. They will then estimate the cost of the repairs or replacement, allowing them to determine the final payout.
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Liberty Mutual began in 1912 as the Massachusetts Employees’ Insurance Association in Boston. In 1917 the company name was changed to Liberty Mutual. Today, the company has more than 900 offices in 20 countries.
Liberty Mutual provides auto insurance with competitive rates, a large selection of coverages, and several discount opportunities. Additionally, Liberty has high ratings with A.M. Best and the Better Business Bureau.
Learning more about Liberty auto insurance will help you decide if the company is right for you.
Now that you know about Liberty auto insurance, enter your ZIP code to get free car insurance quotes in your area.
Liberty Auto Insurance Review [2022] is a company that was incorporated in 1912. Liberty Auto Insurance Review [2022] is a insurance company and has assets of , capital of $, and net surplus of $.
The president of Liberty Auto Insurance Review [2022] is David H. Long, the treasurer is , and the secretary is . Liberty Auto Insurance Review [2022] insurance plans include
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Liberty Auto Insurance Review [2022] is located in Boston, Massachusetts and the phone number for Liberty Auto Insurance Review [2022] claims, customer, service, and additional information is 617-357-9500.
If you already have Liberty Auto Insurance Review [2022] insurance quotes then be sure that you compare your quoted Liberty Auto Insurance Review [2022] insurance plans with insurance quotes from many other top insurance companies so that you can find the very best insurance plan for your needs. Enter your zip code in for free insurance quotes now!
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