Industry Average: 75
Industry Average: 7.7
Industry Average: 8
Industry Average: 7
Liberty Mutual is the sixth-largest auto insurer in the US based on direct premiums written. In addition to home and auto insurance, Liberty Mutual offers a vast array of personal and commercial insurance policies. If you’re looking for an insurance company that has accident forgiveness and rewards safe drivers, Liberty Mutual might be the company for you. It’s available in all 50 states, has an amazing, easy-to-use app, and although you might not find the cheapest car insurance quote available, it has an outstanding customer service record.
Lines of Business:
When it comes to thier car, everyone has a different situation and differing needs for protection. While every auto insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by Liberty Mutual
|Available Option||What it means|
Emergency Assistance Coverage
Covers cost of any emergency services called when involved in an incident
Usually covers towing, battery service, flat tire service, fuel delivery, lockout service, and extrication.
Helps you pay for transportation expenses, such as a rental car or public transportation fare, while your own vehicle is being repaired after a covered insurance claim.
Helps pay off your auto loan if your car is totaled or stolen and you owe more than the car's depreciated value.
Original Equipment Manufacturer Coverage
Helps ensure aftermarket parts will not be used when repairs are made to your vehicle
Work Loss Coverage
Insurance that covers some of the lost wages an insured would have as a result of a car accident.
New Car Replacement Coverage
Pays the value of a brand new car of the same make and model of the your car if your car is declared a total loss.
While all companies offer a range of car insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.
What does this mean?
Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your auto policy. For reference, we've listed all the discounts we believe Liberty Mutual has below in order to help determine which ones may fit your profile (though keep in mind that they can vary by state).
|Available Option||What it means||Discount Data|
Applies to vehicles with safety features such as automatic braking systems (ABS), airbags, or automatic seatbelts.
up to 20%
Anti Theft Device
This discount is for cars with alarms, and other theft deterrents. It typically only applies to comprehensive coverage however.
up to 25%
Tied to drivers on the policy and any accidents in their record. though insurers generally only consider the past 3 to 5 years.
How does Liberty Mutual compare to other insurance companies? Click the following links below to compare Liberty Mutual to other top insurance companies.