Skip to content
Some companies pay us when you click their button. Paying partners are labeled and can be listed first. Some companies pay us. Partners are labeled. Advertiser disclosure
Reviews A to Z For Brands

Liberty Mutual Review: Auto Insurance Ratings and Reviews

Liberty Mutual sells car insurance online, by phone and through agents, with many add-ons and a RightTrack program that can cut or raise your price. It retired its Safeco brand in 2026.

By Krystine Carneiro, Contributor. See their work.Published May 27, 2026Updated October 16, 2026This page was compiled from primary sources: company disclosures and terms, the BBB and regulators. Our ratings method is described on the methodology page.
Liberty Mutual Auto Insurance Ratings and Reviews BestGuide rating
4.2/5 BestGuide rating: 4.2 out of 5. Set by our editors from reputation, services, transparency, customer satisfaction and scale. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner.

Best for: Drivers who want many coverage options and discounts from a large national insurer, and who will compare quotes at each renewal.

Compare auto insurance companies
On this page13 sections
  1. Ratings and complaints
  2. Liberty Mutual vs. competitors
  3. Pricing
  4. Step by step
  5. Liberty Mutual car insurance legitimacy and licensing
  6. Liberty Mutual car insurance cost and discounts
  7. How RightTrack works
  8. Coverage options
  9. Complaints and regulator actions
  10. Who should skip Liberty Mutual
  11. What customers say
  12. Alternatives
  13. FAQ
Our verdict

Liberty Mutual is a large, legitimate insurer: founded in 1912, based in Boston, rated A (Excellent) by AM Best and accredited by the BBB since 1931. It suits drivers who want lots of optional coverage, such as Better Car Replacement, accident forgiveness and a deductible fund, and who will stack discounts. The tradeoff is service and price: NerdWallet's read of NAIC data says Liberty Mutual draws more auto complaints than expected for its size, regulators in Delaware and Minnesota have penalized it over discounts and rate changes, and RightTrack can raise your premium if your driving scores poorly. Get at least two other quotes with the same limits before you buy.

Insurer
Liberty Mutual Insurance Company or its affiliates, 175 Berkeley Street, Boston, MA; founded 19121
Financial strength
A (Excellent) from AM Best, as cited by Liberty Mutual (2025)1
Claims satisfaction
730 of 1,000 in J.D. Power's 2025 auto claims study, third behind Erie and NJM; study average 70012
Price
Not published. Liberty Mutual says new customers who reported savings saved over $700 a year by switching, and over $950 by bundling auto and home (survey, October 2024 to September 2025)1
RightTrack
Participation discount of 10% to 15%, savings up to 30% for safe driving; riskier driving can raise your premium2
Notable add-ons
Better Car Replacement, accident forgiveness (new customers, not in California), Deductible Fund for collision, 24-hour roadside assistance1
Availability
Not every state; Liberty Mutual's quote tool shows availability by ZIP code1
Indiana 2025 auto complaint index
1.47 for Liberty Mutual Personal Insurance Co. (1.00 is average); 0.79 for Safeco Insurance Co. of Indiana6
BBB
A+, accredited since April 26, 1931; 2,095 complaints across Liberty Mutual Group in the last 3 years7

Liberty Mutual ratings and complaint records

  • AM Best A (Excellent) Financial strength rating cited on Liberty Mutual's auto page (AM Best Rating Services, 2025) View source
  • J.D. Power 2025 auto claims study 730 out of 1,000 Third behind Erie (743) and NJM (731); study average 700 View source
  • BBB A+ Liberty Mutual Group, Boston; accredited since April 26, 1931; 2,095 complaints in the last 3 years; 1,161 customer reviews View source
  • Indiana Department of Insurance 1.47 complaint index 2025 auto complaint index for Liberty Mutual Personal Insurance Co. (NAIC 12484): 4 complaints on $56.2 million of premium; 1.00 is average View source
  • NerdWallet (NAIC data) More complaints than expected NerdWallet's own editorial rating is 4.5 of 5, and its read of NAIC data says it ranks well in J.D. Power shopping and claims studies but draws more auto complaints than expected for its size View source
  • Trustpilot 4.3 out of 5 About 4,075 reviews across Liberty Mutual products; 64% five star and 25% one star; replies to about 69% of negative reviews View source

Pros

  • A (Excellent) financial strength and over 100 years in business
  • Third in J.D. Power's 2025 auto claims satisfaction study (730 of 1,000)
  • Long list of discounts that can stack
  • Add-ons like Better Car Replacement, accident forgiveness and a deductible fund
  • Buy online, by phone or through local and independent agents

Cons

  • Doesn't publish average prices
  • More auto complaints than expected for its size, per NerdWallet's read of NAIC data
  • RightTrack can raise your premium
  • State penalties in Delaware (2025) and Minnesota (2023) over discounts and rates
  • Not sold in every state; check availability by ZIP code

Best for: Drivers who want many coverage options and discounts from a large national insurer, and who will compare quotes at each renewal.

Skip it if: You want the lowest complaint record or a guaranteed price, or you don't want a telematics program to affect your rate.

Liberty Mutual vs. competitors

Liberty Mutual compared with competitors
CompanyAM BestBBBIndiana 2025 auto complaint indexJ.D. Power 2025 claims scoreNext step
Liberty Mutual A (Excellent)A+, 2,095 complaints in 3 years1.47 (Liberty Mutual Personal); 0.79 (Safeco of Indiana)730, 3rd
State Farm A+D-0.67 (State Farm Mutual Auto)716, tied 8th of 20 Read review
GEICO A++ (Superior)A+, 2,608 complaints in 3 years1.06 to 2.48 across six GEICO companies697 Read review
Progressive A+ (Superior)B-, 5,262 complaints in 3 years0.65 to 1.11 across two Progressive companies673 Read review

Auto insurance companies we reviewed

  1. Liberty Mutual This review BestGuide rating: 4.2 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Drivers who want many coverage options and discounts from a large national insurer, and who will compare quotes at each renewal.
  2. Allstate BestGuide rating: 4.6 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Drivers and homeowners who want a local agent, plan to bundle several policies and are willing to pay more for that service.
    Read review
  3. USAA BestGuide rating: 4.6 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Service members, veterans and their families who want insurance and fee-free banking from one company built around military life.
    Read review
  4. Farmers BestGuide rating: 4.5 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Households that want a local agent and plan to bundle home and auto coverage with add-ons like new car replacement or rideshare coverage.
    Visit site Read review
  5. The General BestGuide rating: 4.2 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Drivers with a DUI, SR-22 requirement, recent accidents or a lapse in coverage who need a policy quickly with a low down payment.
    Read review
  6. State Farm BestGuide rating: 4.6 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner.
    Read review
  7. GEICO BestGuide rating: 4.6 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Good drivers, drivers with poor credit, and military or federal employees who are comfortable buying and managing a policy online.
    Read review
  8. Progressive BestGuide rating: 4.5 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner. Best for: Drivers with a DUI or other mark on their record, and shoppers who want to compare several prices online or buy through an independent agent.
    Read review
See all auto insurance companies, ranked

Liberty Mutual pricing at a glance

Liberty Mutual auto discounts and savings programs, as listed October 20263

Program or discount What Liberty Mutual says
RightTrack participation 10% if some drivers enroll, 15% if all enroll
RightTrack driving score Up to 30% savings for safe driving; price can rise for risky driving; opting out after 45 days may bring a surcharge
Online purchase Save 12% or more buying online; not available in CA, NY and several other states
Bundle auto and home New customers who reported savings saved over $950 a year
Other discounts Multi-car, multi-policy, violation-free, claims-free, early shopper, good student, student away at school, military, homeowner, paperless, preferred payment
Deductible Fund Optional feature that lowers your collision deductible over time; contribution amounts are not listed on Liberty Mutual's coverage page

Liberty Mutual doesn't publish average premiums. Discounts and savings vary by state and by how you buy, and some apply only to certain coverages.

Liberty Mutual, step by step

  1. Get a quote

    Quote online, call 844-411-9587 or use a local agent. Have your driver's license, VIN, vehicle details and mileage ready.

  2. Choose coverages

    Start with liability, then add collision, comprehensive and options like Better Car Replacement or accident forgiveness.

  3. Decide on RightTrack

    Enroll for a participation discount, but know your driving score is applied at renewal and can raise your price.

  4. Manage and file claims

    Use the app to view ID cards, pay bills and file or track claims, or call 800-2CLAIMS.

  5. Review at renewal

    Compare your renewal price with other quotes, since many customers report unexpected yearly increases.

Liberty Mutual car insurance legitimacy and licensing

Yes. Liberty Mutual was founded in 1912 and is headquartered at 175 Berkeley Street in Boston. Policies are underwritten by Liberty Mutual Insurance Company or its subsidiaries and affiliates, such as Liberty Mutual Personal Insurance Company and LM General Insurance Company. Liberty Mutual cites an A (Excellent) financial strength rating from AM Best, and the BBB has accredited Liberty Mutual Group since 1931 with an A+.

In 2026 Liberty Mutual retired the Safeco brand it used with independent agents, so policies sold through agents now carry the Liberty Mutual name. Safeco.com now sends visitors to Liberty Mutual’s agent site.

Liberty Mutual car insurance cost and discounts

Liberty Mutual doesn’t publish average premiums. Your price depends on where you live, your driving record and mileage, your car, and the limits and deductibles you choose. Liberty Mutual says new customers who reported savings saved over $700 a year by switching and over $950 by bundling auto and home, based on a survey from October 2024 to September 2025. Those averages only count people who saved.

Discounts include multi-car, multi-policy, violation-free, good student, military, early shopper, paperless and preferred payment. Buying online can save 12% or more, but that discount isn’t available in California, New York and several other states.

Alternative: FarmersVisit siteCompare all

How RightTrack works

RightTrack is Liberty Mutual’s driving-tracking program, run through its mobile app. You get a participation discount right away: 15% if every driver on the policy enrolls, 10% if only some do. At each renewal, your driving score is applied. Safe drivers can save up to 30%, but Liberty Mutual says riskier driving can increase your premium. If you opt out after 45 days, or Liberty Mutual can’t collect data for 45 days, you may get a non-fulfillment surcharge.

What customers say about Liberty Mutual

Recurring themes across the review sites and complaint records listed above, not individual quotes.

Common praise

  • Friendly, knowledgeable agents
  • Fast online quotes and easy account management
  • Helpful guidance after an accident
  • A highly rated mobile app

Common complaints

  • Premium increases at renewal
  • Hard to reach a live representative
  • Claims slowed by third-party vendors and paperwork
  • Discounts that didn't apply as expected

Coverage options

Standard coverages include bodily injury and property damage liability, collision, comprehensive, personal injury protection where required, and medical payments. Add-ons include:

  • Better Car Replacement: if your car is totaled, you get money for a model one year newer, where offered.
  • Accident forgiveness: for new customers with five accident-free years; not available in California.
  • Deductible Fund: a fund that lowers your collision deductible.
  • 24-hour roadside assistance and teen, classic car, EV and rideshare-related options.

Personal auto policies don’t cover business use or ridesharing without the right endorsement.

Complaints and regulator actions

Claims satisfaction is a strength: Liberty Mutual placed third in J.D. Power’s 2025 auto claims study with 730 of 1,000. Complaint data is weaker. NerdWallet’s read of NAIC data says Liberty Mutual draws more auto complaints than expected for its size. Indiana’s 2025 auto complaint index puts Liberty Mutual Personal Insurance Co. at 1.47, meaning 47% more complaints than average for its premium, while Safeco Insurance Co. of Indiana is at 0.79. On Trustpilot, a quarter of reviews are one star, mostly about renewal increases, reaching a live person and slow claims.

In April 2025 the Delaware Department of Insurance fined three Liberty Mutual companies $300,000 for about 39,800 instances of showing discounts that weren’t offered in Delaware, including vehicle safety discounts. In October 2023 Minnesota ordered Liberty Mutual to return $7.7 million to about 86,500 policyholders over a missing anti-theft discount, bundling rules and auto rate increases made without state approval. Check that every discount on your declarations page is real, and file complaints with your state insurance department.

Who should skip Liberty Mutual

Liberty Mutual does not sell auto insurance in every state, so start by entering your ZIP code or asking an agent. If your top priority is a low complaint record, State Farm and Progressive companies scored lower on Indiana’s 2025 index. If you don’t want your driving tracked, skip RightTrack, since it can raise your rate.

Alternative: FarmersVisit siteCompare all

Alternatives to Liberty Mutual

  • State Farm BestGuide rating: 4.6 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner.

    Better if you want a local agent and a lower auto complaint index in Indiana's 2025 data.

    Read review
  • GEICO BestGuide rating: 4.6 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner.

    Better if you mainly want a low price and are comfortable buying online.

    Read review
  • Progressive BestGuide rating: 4.5 out of 5. Set by our editorial team from published factors such as cost, credentials, reputation, customer experience, services and guarantees. Verified partners are scored on our partner verification program and can be listed first; they are always labeled BestGuide Partner.

    Better if you want to compare its quote tool and Snapshot program against RightTrack.

    Read review
  • An independent agent

    Can quote several insurers at once, including Liberty Mutual, at no cost to you.

See all auto insurance companies, ranked

Liberty Mutual reviews

Written by readers, read by our moderators, never edited by the company.

No reader reviews yet. If you have used Liberty Mutual, yours will be the first.

Write a review
How do I know I can trust these reviews about Liberty Mutual?
  • Every reviewer confirms an email address before a review can publish.
  • Our moderators read every review before it publishes.
  • Companies can respond publicly but can never edit, hide or remove a review.
  • Paying BestGuide never changes the reader rating or which reviews publish.

Read the review guidelines

Frequently asked questions

Is Liberty Mutual good for car insurance?

It has strong finances and many coverage options and discounts. NerdWallet's own editorial rating is 4.5 of 5, but its read of NAIC data notes more complaints than expected for its size, so compare quotes and claims records.

How does Liberty Mutual handle claims?

It scored 730 of 1,000 in J.D. Power's 2025 U.S. Auto Claims Satisfaction Study, third overall and above the 700 average. You can file and track claims in the app or by calling 800-2CLAIMS.

Is Liberty Mutual expensive?

Liberty Mutual doesn't publish average rates, and prices vary a lot by driver and state. Get quotes from at least two other insurers using the same limits and deductibles.

Can RightTrack raise my rates?

Yes. You get a 10% to 15% participation discount, but at renewal your driving score can lower your price by up to 30% or raise it if your driving looks risky.

Is Safeco the same as Liberty Mutual?

Yes. Liberty Mutual has owned Safeco since 2008 and retired the Safeco brand in 2026. Safeco policies sold through agents now carry the Liberty Mutual name.

What does Liberty Mutual accident forgiveness do?

If you qualify after five accident-free years, your rate won't go up because of your first accident. It's for new customers and isn't available in California.

What is Better Car Replacement?

An optional coverage that pays for a model one year newer if your car is totaled. Availability and rules vary by state.

What is Liberty Mutual's AM Best rating?

Liberty Mutual cites an A (Excellent) financial strength rating from AM Best for 2025.

Does Liberty Mutual have a lot of complaints?

The BBB lists 2,095 complaints across Liberty Mutual Group in three years, and NerdWallet's read of NAIC data says auto complaints run higher than expected for its size. Indiana's 2025 index puts its main auto company at 1.47, above the 1.00 average.

How do I file a Liberty Mutual car insurance claim?

File in the Liberty Mutual app or online, or call 800-2CLAIMS. For roadside help, call 877-762-3101.

Sources (12)

Facts on this page come from company websites, government agencies and regulators, checked on the dates shown. Editorial standards

  1. Liberty Mutual: Car insurance (accessed October 12, 2026)
  2. Liberty Mutual: RightTrack (accessed October 12, 2026)
  3. Liberty Mutual: Car insurance discounts (accessed October 12, 2026)
  4. Liberty Mutual: Underwriting companies (accessed October 12, 2026)
  5. NerdWallet: Liberty Mutual car insurance review (accessed October 12, 2026)
  6. Indiana Department of Insurance: 2025 auto complaint index (accessed October 12, 2026)
  7. BBB: Liberty Mutual Group (accessed October 12, 2026)
  8. Trustpilot: Liberty Mutual (accessed October 12, 2026)
  9. Insurance Journal: Delaware fines Liberty Mutual $300K for advertising discounts not offered in state (April 2025) (accessed October 12, 2026)
  10. Insurify: Liberty Mutual agrees to repay $7.7 million to Minnesota policyholders (accessed October 12, 2026)
  11. Agency Checklists: Liberty Mutual to sunset Safeco starting in 2026 (accessed October 12, 2026)
  12. InsuranceNewsNet (J.D. Power release): 2025 U.S. Auto Claims Satisfaction Study (accessed October 12, 2026)
How we make money

BestGuide is free to use. Some companies we review pay us when you visit their site or contact them through us. Compensation may influence which companies we feature and their order. It doesn't change what our reviews say. Advertising disclosure