Is Liberty Mutual Car Insurance Good? Reviews and Expert Insights

Liberty Mutual is a good fit for drivers who want to soup up their coverage with some extra protections, such as their Better Car Replacement and Original Parts Replacement options. The company sports an A (Excellent) financial strength rating from AM Best, which reflects excellent capacity to pay claims,¹ and it ranked third for overall claims satisfaction according to J.D. Power's 2025 study.²

The downside: Be prepared to pay a little more in premiums compared to other carriers.

Note: Safeco was a Liberty Mutual subsidiary until recently, and many other sites still refer to Safeco in connection with Liberty Mutual. But Liberty Mutual retired the Safeco brand effective April 25, 2026. All personal lines now sell under the Liberty Mutual name.³

Your Liberty Mutual premium will depend on a variety of factors, including:

• Location

• Amount and type of coverage selected

• Your driving record

• Your age

• How much you drive

• Your vehicle make, model, and year

• Whether you have certain anti-theft or safety devices installed

In many jurisdictions, your premium may also be affected by your sex, marital status, and personal credit rating.

The national average full coverage cost is about $187 per month, or $2,245 per year. But averages aren't quotes, what you'll actually pay depends on you. Compare with Luva to see your real number.

Liberty Mutual offers liability, collision, comprehensive, uninsured motorist, medical payments and personal injury protection, though policy specifics and availability vary by state.⁴

Additionally, Liberty Mutual offers several optional coverage enhancements, described below.

Liberty Mutual policyholders can qualify for discounts in many different ways. These can lower your premium substantially, and you can qualify for multiple discounts at a time. These discounts can really add up.

Here’s a look at their discounts and who qualifies:

Savings vary by state and by how you buy. Some discounts apply to specific coverages only, and applicants are individually underwritten.⁷

RightTrack is Liberty Mutual's Telematics program. There are two versions depending on your state: 

• RightTrack Continuous: Requires ongoing tracking. Gives an initial 15% discount if all drivers participate (10% for partial policy participation) and up to 30% total savings for safe driving.

• RightTrack 90-Day: Tracks driving for 90 days. Offers an initial 10% or 15% state-dependent discount and up to 30% in overall safe-driver savings.⁸

Once you complete your initial assessment period, you can earn even more of a discount, depending on your driving record and the behaviors tracked under the program. However, poor results under RightTrack can potentially cause your premiums to increase at renewal rather than decrease.

Yes. In fact, Liberty Mutual advertises average savings of more than $950 for those who bundle auto and home insurance with the company.⁹

Note: this is the average reported by new customers who switched to Liberty Mutual between October 2024 and September 2025 and said they saved, not a guaranteed discount, and the comparison excludes Massachusetts.

Liberty Mutual's formal claims score sits above the industry average, while its customer reviews turn on price and on the difficulty of reaching a person.

Compared to competitors, Liberty Mutual scored higher than Nationwide, State Farm, GEICO and Progressive in the 2025 J.D. Power claims study.²

The 2025 J.D. Power U.S. Auto Claims Satisfaction Study set the industry average at 700. J.D. Power ranked Liberty Mutual third at 730, behind Erie Insurance at 743 and NJM at 731.²

For the best experience, have some information handy before you shop, including:

• Driver’s license numbers for each driver in your household

• VIN for each vehicle

• Current declarations page from your existing carrier

• Annual mileage

Luva allows you to get multiple quotes from multiple car insurance companies in your area – so you can compare them side-by-side, saving both money and time.

Liberty Mutual suits drivers who value the added optional coverages such as Better Car Replacement, Original Parts Replacement, and the Deductible Fund benefit, who want access to a live agent, and who are comfortable paying a little extra for added protection.

It’s often not the best fit if you’re extremely price-sensitive, and all you want is the minimum liability coverage, and you plan to skip collision and comprehensive coverage.