LIVE
30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
Fintiex
Get started
Insurance / Auto
Auto insurance review

Liberty Mutual Auto Insurance Review (2026)

Liberty Mutual earned 4.2 / 5 in our 2026 review. Best for: discount stackers, customizable coverage. Here is the full breakdown.

By the Fintiex Insurance Desk · Updated 2026-05-02
Get a Liberty Mutual quote Compare all 8 auto carriers
Key stats
Annual premium
$1,600 to $2,300
AM Best
A
JD Power
828 / 1000
Bundling discount
Up to 20%
States available
All 50 states
Good driver discount
Up to 20%
Digital experience
Good
Fintiex rating
4.2 / 5
Pros
  • +Over a dozen available discounts to stack
  • +RightTrack telematics program with up to 30% discount
  • +Accident forgiveness and better car replacement options
  • +New car replacement coverage available
  • +24/7 claims support
  • +Flexible deductible options
Cons
  • -Base premiums tend to run higher than average
  • -JD Power satisfaction scores below competitors
  • -Some coverage options only available in certain states

Coverage available

Liability onlyFull coverageMinimum stateHigh-value vehicles

Liberty Mutual writes the standard mix of auto policies. Most drivers will want full coverage (liability plus collision and comprehensive). Drivers with older paid-off cars may consider liability-only to save money, but only if you can afford to replace the vehicle out of pocket.

Best for

Liberty Mutual is the right pick if you prioritize discount stackers, customizable coverage. The carrier scores especially well on claims service. If you do not match this profile, compare against the other top picks on our auto insurance hub.

Overview

Liberty Mutual is one of the well-known auto insurance carriers in the United States, with an AM Best financial strength rating of A. The carrier is best known for discount stackers, customizable coverage, with average annual premiums in the $1,600 to $2,300 range for full coverage on a typical 35-year-old driver with a clean record.

On the customer-experience side, Liberty Mutual scored 828 on the latest JD Power US Auto Insurance Study (1,000-point scale). That puts it below the industry average. The digital experience is rated good, with a functional app and online portal for policy management, claims, and ID cards.

Bundling is a major lever: combining your auto policy with home or renters insurance can save about 20 percent on both policies. Liberty Mutual also offers a good driver discount of up to 20 percent for accident-free histories. Add in paperless billing, multi-vehicle, and safety feature discounts and the all-in savings can reach 30 to 40 percent off rack rate.

How to get a Liberty Mutual quote

Getting a quote from Liberty Mutual takes about 10 minutes online. You will need your driver license number, vehicle VIN, current insurance declarations page (if any), and an idea of the coverage limits you want. The carrier may also run a soft credit check in states where credit-based insurance scoring is allowed.

  • Visit the Liberty Mutual quote page and start the auto application
  • Enter ZIP code, driver and vehicle info, and prior insurance details
  • Select your coverage limits (we recommend at least 100/300/100 liability)
  • Review the quote, apply any discounts (good driver, bundling, paperless)
  • Bind the policy online or call to finalize with an agent
Start a Liberty Mutual quote

Frequently asked questions

Is Liberty Mutual a good auto insurance company?
Liberty Mutual earned 4.2 out of 5 in our 2026 review. It carries an AM Best rating of A and a JD Power satisfaction score of 828 out of 1,000. Best for: discount stackers, customizable coverage.
How much does Liberty Mutual auto insurance cost?
Average premiums range from $1,600 to $2,300 per year for full coverage. Your actual rate depends on driving record, vehicle, location, credit score, and coverage limits. Get a quote at Liberty Mutual to see your exact rate.
What discounts does Liberty Mutual offer?
Liberty Mutual offers a bundling discount of about 20 percent for combining auto with home or renters insurance, plus up to 20 percent off for clean driving records. Additional discounts may apply for paperless billing, multi-vehicle, and safety features.
Is Liberty Mutual available in my state?
Liberty Mutual writes auto policies in all 50 states.
How fast is the Liberty Mutual claims process?
Liberty Mutual accepts claims via app, phone, online, and agent. Most simple claims are settled within 7 to 14 days. Complex claims (totaled vehicles, injuries) can take 30 to 60 days.
Should I bundle Liberty Mutual auto with home insurance?
Bundling can save you about 20 percent on both policies with Liberty Mutual. Always run the numbers against two standalone quotes to make sure bundling beats buying separately.

Ready to get a Liberty Mutual quote?

Takes about 10 minutes. No commitment to bind.

Get my quote Compare other carriers