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Discover our in-depth Liberty Mutual auto insurance review for 2024. We analyze customer ratings, coverage options, discounts like RightTrack, and common complaints about claims and service. See if it stacks up—or explore top alternatives for better value and reliability.
Quick Pick
Skip the headaches: For reliable auto coverage with superior service and rates, head straight to our Best Auto Insurance guide. Our top picks outperform Liberty Mutual in claims handling and satisfaction.
Liberty Mutual Auto Insurance operates nationwide, offering standard car insurance policies with add-ons like roadside assistance and rideshare coverage. However, after reviewing thousands of customer experiences and performance metrics, it earns a middling overall score of 2.1 out of 5 from Review Atlas. While competitive pricing draws some shoppers, persistent issues with rate increases, claim denials, and customer support push satisfaction ratings down.
In this honest review, we'll break down coverage details, real-user feedback, pros and cons, and key metrics. If you're shopping for car insurance, we strongly recommend comparing options via our Best Auto Insurance roundup for proven winners.
Liberty Mutual provides essential protections, but customization is limited compared to top competitors. Here's what you get:
| Coverage Type | Details | Availability |
|---|---|---|
| Liability | Bodily injury and property damage; state minimums up to $500K limits | All states |
| Collision | Repairs to your vehicle after at-fault accidents | Nationwide |
| Comprehensive | Theft, vandalism, weather damage | Nationwide |
| Uninsured/Underinsured | Protection from drivers without adequate coverage | Most states |
| Personal Injury Protection | Medical bills regardless of fault | Select states |
| Roadside Assistance | Towing, flat tire, lockout (extra fee) | Add-on |
| Rental Reimbursement | Car rental during repairs | Add-on |
| Rideshare Insurance | Gap coverage for Uber/Lyft drivers | Select states |
| New Car Replacement | Full value for vehicles under 1-2 years old | Eligible new cars |
| Accident Forgiveness | No rate hike after first at-fault accident | Loyalty perk |
Check alternatives: Policies like these shine brighter with providers in our Best Auto Insurance list.
Drawing from aggregated data across 1,300+ reviews (as of late 2024), Liberty Mutual scores poorly in key areas:
| Category | Review Atlas Score | Industry Avg | Common Feedback |
|---|---|---|---|
| Customer Service | 1.8/5 | 4.0/5 | Long hold times, unhelpful reps |
| Claims Processing | 1.5/5 | 4.2/5 | Frequent denials, delays up to 60 days |
| Pricing Stability | 2.3/5 | 3.8/5 | Hikes of 50-100% after claims |
| App/Online Tools | 3.1/5 | 4.1/5 | Functional but glitchy |
| Discount Availability | 3.5/5 | 4.0/5 | Multi-policy, safe driver perks |
| Overall Satisfaction | 2.1/5 | 4.0/5 | 65% of reviews 1-2 stars |
These scores reflect patterns: Excellent for bundling multi-policy discounts (up to 25% off), but disastrous for post-claim experiences.
Bottom Line: RightTrack appeals to low-mileage drivers, but overall reliability lags. See top-rated options.
Liberty Mutual's RightTrack monitors acceleration, braking, mileage, and nighttime driving via a plug-in device or app. Users report 5-30% savings, with an average 18% discount after 90 days. However:
Score: 3.2/5. Better alternatives exist in our Best Auto Insurance guide.
We sifted through recent feedback for balance:
Patterns: High satisfaction pre-claim (4/5), plummets post-claim (1/5).
Liberty Mutual offers 12+ discounts:
Stackable up to 40% off. Yet, post-claim hikes erase gains quickly.
Pro Tip: Use our Best Auto Insurance tool for personalized quotes from higher-rated carriers.
Yes, if: Clean record, low mileage, bundling needs.
No, if: Frequent driver, claim history, or value responsive service.
For most, superior choices await in our Best Extended Auto Warranty Services and Best Auto Insurance.
RightTrack is a telematics program tracking driving habits for discounts up to 30%. It runs 90 days via app or OBD device.
Around 25-30% denial rate per reviews, higher than the 10-15% industry norm, often for minor damages.
Initially yes ($1,450 full coverage avg), but expect 50%+ increases after incidents.
Yes, but watch for fees ($25-50) and final bill disputes. Online cancellation available.
Yes, in 12+ states as an add-on for gig workers.
Don't settle for subpar insurance:
Ready to switch? Start with our Best Auto Insurance recommendations today.
