Auto Insurance · Editor review
Liberty Mutual review.
Best for: Shoppers who want broad discount catalogs and customizable coverage tiers — and who want to bundle with Liberty Mutual home/renters/condo.
Avg annual premium
$1,860
A.M. Best rating
—
Provider type
carrier
Coverage
50 states
What we like
- +Very broad discount catalog — stacking 4+ small discounts often beats single-discount competitors
- +Strong A.M. Best financial strength rating (A, Excellent)
- +RightTrack telematics program for safe drivers (typically 5–30% off after 90-day monitoring)
- +Customizable coverage tiers (Liberty Mutual sells more à-la-carte add-ons than most competitors)
What we don't
- −Individual discounts are often small (1–3%); headline savings depend on stacking
- −Customer-satisfaction scores below State Farm + Erie in recent regional J.D. Power surveys
- −Underwriting tightens after a single at-fault claim
- −Rates climb meaningfully at first renewal for some new customers (industry-wide pattern, but Liberty is one of the more affected carriers)
Editor's verdict
Liberty Mutual is a top-5 U.S. auto insurer (NAIC 2024) with one of the broadest discount catalogs in the industry — early-shopper, online-quote, paperless, multi-policy, multi-car, military, alumni, and others. The catch: many of those discounts are 1–3% individually, so the headline 'savings' often comes from stacking many small ones rather than landing a big one. Pricing is mid-pack like Allstate; bundling with Liberty's home/renters/condo policies is where the real value lives. Customer-satisfaction scores have been below State Farm and Erie in J.D. Power's most-recent regional surveys; check user reviews for your state before binding.
Advertiser disclosure: Offers below are from partners that compensate us when you click or apply. Compensation does not determine our rankings. How we make money.
Liberty Mutual FAQ
Is Liberty Mutual's RightTrack worth enrolling in?+
Yes if you're a safe driver — the typical RightTrack participant earns 5–30% off (Liberty's published disclosure). Like Progressive Snapshot, the scoring reads hard braking and late-night driving negatively. Unlike Snapshot, RightTrack's monitoring period is 90 days only (vs. ongoing) — so you get the discount applied at renewal and don't get re-scored quarterly. For safe daytime commuters this is a clear win.
What's the catch with Liberty Mutual's discounts?+
The discounts are real but many are small. A typical applicant stacking early-shopper + paperless + multi-policy + safe-driver might land 12–18% in aggregate, vs. a single Snapshot discount at Progressive that could be 10–25% alone. Liberty's value is the catalog breadth — there's almost always SOME discount you qualify for. The downside is that pricing-prediction is harder because so many small discounts compound.
Does Liberty Mutual cover ridesharing?+
Yes, but coverage and availability vary significantly by state. Where the rideshare endorsement is available, it's competitive with GEICO and Progressive on price. Where it's not, Liberty's standard personal auto policy will exclude rideshare losses — which is industry-standard but worth confirming before signing on as a full-time rideshare driver.