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Liberty Mutual insurance review 2025

Updated Feb 01, 2025
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At a glance

4.0
Rating: 4 stars out of 5
Bankrate Score
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Auto

Rating: 4.2 stars out of 5

4.2

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Cost & ratings

Rating: 3.75 stars out of 5

3.8

Coverage

Rating: 5 stars out of 5

5.0

Support

Rating: 4 stars out of 5

4.0

Home

Rating: 3.8 stars out of 5

3.8

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Cost & ratings

Rating: 3 stars out of 5

3.0

Coverage

Rating: 5 stars out of 5

5.0

Support

Rating: 3.75 stars out of 5

3.8

About Bankrate Score

New

What’s new with Liberty Mutual?

Liberty Mutual car insurance review

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Pros

  • Special coverage through MexPro available for drivers taking their car to Mexico
  • Above-average score in J.D. Power’s 2024 U.S. Insurance Digital Experience Study for service
  • Numerous discounts available to help save on premiums
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Cons

  • Below-average score in J.D. Power’s 2024 U.S. Insurance Digital Experience Study for shopping
  • Higher-than-average number of complaints registered with the NAIC for private passenger auto insurance
  • Below-average scores in regions of the J.D. Power 2024 U.S. Auto Insurance Study where it was scored
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J.D. Power Auto Claims Satisfaction Study
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Liberty Mutual home insurance review

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Pros

  • Wide array of available discounts
  • Variety of potential coverage options for policy customization
  • Available in all 50 states and Washington, D.C.
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Cons

  • Scored near the bottom in J.D. Power’s 2024 U.S. Home Insurance Study
  • Included coverage may not be as robust as other home insurance providers
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J.D. Power Property Claims Satisfaction Study
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Get personalized home insurance quotes

Answering a few quick questions to check your availability with Liberty Mutual

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Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Liberty Mutual life insurance review

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Pros

  • Guaranteed insurability option available for policyholders
  • Wide array of optional riders to choose from
  • Built-in conversion for term life insurance
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Cons

  • Life insurance not rated by J.D. Power
  • Medical exam may be required
  • More limited types of life insurance compared to some competitors

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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Compare Liberty Mutual with other insurers

Badge Icon Featured

Liberty Mutual

Liberty Mutual
Rating: 4 stars out of 5
4.0
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Cost & ratings

Rating: 3.4 stars out of 5
3.4

Coverage

Rating: 5 stars out of 5
5.0

Support

Rating: 3.9 stars out of 5
3.9

Farmers

Farmers
Rating: 3.7 stars out of 5
3.7
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Cost & ratings

Rating: 3.3 stars out of 5
3.3

Coverage

Rating: 4.2 stars out of 5
4.2

Support

Rating: 3.9 stars out of 5
3.9

USAA

USAA
Rating: 4.6 stars out of 5
4.6
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Cost & ratings

Rating: 4.7 stars out of 5
4.7

Coverage

Rating: 4.5 stars out of 5
4.5

Support

Rating: 4.4 stars out of 5
4.4
OVERVIEW
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Farmers and Liberty Mutual both came in at average or above average in the 2024 J.D. Property Claims Satisfaction Study, but Liberty Mutual outperformed Farmers in the corresponding 2024 Auto Claims Satisfaction Study. Farmers also offers unique coverage options, especially compared to other nationally available carriers.
USAA only writes policies for active duty military members, veterans and qualifying family members. If you fall within its membership requirements, USAA could be the right fit as it offers very high customer satisfaction scores across the board as well as coverage options and discounts tailored to the needs of the military community. USAA also consistently tops J.D. Power studies for customer satisfaction, although it is not technically ranked due to eligibility restrictions.
STANDOUT FEATURES
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Robust coverage options
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Fewer-than-average complaints
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Local agents nationwide
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Military on-base discount
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MyUSAA Legacy discount
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SafePilot telematics program
AVG FULL COV. AUTO RATE
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$3,375 $1,897
J.D. POWER AUTO SCORE
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706/1000 726/1000
AVG HOME RATE
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$2,440 $1,289
J.D. POWER HOME SCORE
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883/1000 899/1000
AM BEST RATING
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A(Excellent) A++(Superior)
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Why you can trust Bankrate

Read our full methodology

Our insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth Liberty Mutual insurance review.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Is Liberty Mutual a good insurance company?

Reddit user 1*
Mar 12, 2024
They are okay until you have a claim. They are...
“They are okay until you have a claim. They are slow to pay, do anything and everything to pay you as little as possible and then get your claim funds back within the next two years with ridiculous premiums. Based on my last experience, in which every time I spoke with someone I got a different answer from the person before, I will NEVER do business with them again. I was told that the claim had to be filed as a supplement, and then after fixing it, they refused to pay it because it was an accessory. I don't think they train their staff.”
Reddit user 2*
Feb 21, 2020
Had a hot water heater blow and ruin flooring...
“Had a hot water heater blow and ruin flooring and a hail claim. Both were fine and promptly paid. I couldn't usually catch them on the phone but it was clear they were acting on my voicemails even if they didn't call back. All in all, service was fine.”
Trustpilot user 1*
Mar 19, 2024
If I could give Liberty Mutual a negative score...
“If I could give Liberty Mutual a negative score I would. We had water damage at our home and are fighting with the adjuster who has been dealing with our claim. We are on our third agent with no explanation why and now I have had to resend and explain to the adjuster where to find the information on their portal! It has been five months and still have not received a settlement. The customer service is horrible.”
Trustpilot user 2*
Dec 17, 2022
My car was totaled on a Monday by an...
“My car was totaled on a Monday by an uninsured motorist and by Friday Liberty Mutual had paid off my loan and deposited the remainder in my checking account. I am very pleased with the service from Liberty Mutual Insurance.”

Methodology

5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%

What policyholders are saying about Liberty Mutual

CTA Liberty Mutual has 25 reviews

Liberty Mutual has 25 reviews

Dive into community reviews below and see what others think about Liberty Mutual.

4.1 Star Icon
25 ratings
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76% of consumers
recommend this insurer
Score breakdown
5 stars
44%
4 stars
32%
3 stars
16%
2 stars
8%
1 star
0%
Score by category
Overall rating 4.1 / 5
Original cost 3.5 / 5
Coverage 4.4 / 5
Customer Support 4.0 / 5
Verified Badge Icon How we got these ratings

In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.

Community Reviews

See what users like you are saying about Liberty Mutual.
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Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
They offered a discount for bundling home and auto insurance
How does this insurer compare to insurance companies you’ve had in the past?
They are affordable for bundling home and auto
Insurance Type
Auto
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
The price
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Good sevice
Insurance Type
Auto
Score by category
Original cost 4 / 5
Customer Support 4 / 5
Coverage 4 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Be honestly had the best rates and they have driver forgiveness. And their bundles are so much cheaper than other companies for example the top three highest companies is Allstate State Farm and Geico oh don't forget progressive.
How does this insurer compare to insurance companies you’ve had in the past?
They're easy to deal with and I haven't had to make a claim yet thank goodness but I know that they're a great company and they don't just throw you back into indemnity once you have an accident or a discrepancy.
Insurance Type
Auto
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Price
How does this insurer compare to insurance companies you’ve had in the past?
Price was lower
Insurance Type
Home
Score by category
Original cost 3 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
First insurance company- our agent was thorough and explained everything we were getting in our policy. We had to do renovations on our home when we first bought it and he went above and beyond to make sure that we were put into a special category for that in case anything were to happen. Customer service has been phenomenal so far. Thankfully we haven't had to talk to them much, but when we do, they're always very prompt and helpful in every way. The premium prices are also some of the best in our area. Overall they have exceeded my expectations and I am very pleased with everything so far.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
No one else has better prices for their policies in the area. We life in thr gulf coast and hurricanes have hiked up prices, but Liberty has stayed relatively the same compared to some other companies. We would possibly think of leaving for a more local to us company who deals specifically with hurricane coverage and protection if the price were right.
Insurance Type
Home
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
They had a good reputation according to the online reviews.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I have been with them about five years but reevaluate every year. They are going up in cost but I have never had any problems with them otherwise.
Insurance Type
Auto + Home
Score by category
Original cost 3 / 5
Customer Support 3 / 5
Coverage 4 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
I’ve used it all my life
How does this insurer compare to insurance companies you’ve had in the past?
Its usually better than everyone else
Insurance Type
Home
Score by category
Original cost 3 / 5
Customer Support 4 / 5
Coverage 4 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
Lower cost
Insurance Type
Auto + Home
Score by category
Original cost 4 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
Comparable
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
To stay - hassle to change, to leave - poor experience
Insurance Type
Auto + Home
Score by category
Original cost 2 / 5
Customer Support 3 / 5
Coverage 3 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
History. Was able to negotiate a better price.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Reliable.
Insurance Type
Auto + Home
Score by category
Original cost 3 / 5
Customer Support 4 / 5
Coverage 4 / 5
Written by
Ashlyn Brooks
Writer II, Insurance
Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Edited by Editor, Insurance
Reviewed by Assistant Vice President & Claims Field Manager