Liberty Mutual car insurance review 2026: 3.3 out of 5 stars

Core Insights - Liberty Mutual offers a wide range of auto insurance coverage options across all 50 states and Washington, D.C., including specialized policies like Mexico Car Insurance and teacher auto insurance [1][24][26] - The company provides various discounts, including the RightTrack program for safe driving, military discounts, and good student discounts, which can help customers save on their premiums [2][15][24] Coverage Options - Liberty Mutual offers 17 different types of coverage, including liability, collision, comprehensive, and specialized options like accident forgiveness and new car replacement [3][10][25] - The average monthly cost for full coverage is $216, which is above the national average of $190, while basic coverage averages $128, also higher than the national average of $113 [6][13][29] Customer Satisfaction - Liberty Mutual has received below-average customer satisfaction scores across all regions according to J.D. Power, although it scored above average in auto claims satisfaction [5][6][24] - The company has an "A" (Excellent) financial strength rating from A.M. Best, indicating strong financial stability [24] Discounts and Savings - Liberty Mutual offers 12 different discounts, including homeowner, military, early shopper, good student, and multi-policy discounts, which can significantly reduce insurance costs [4][15][21] - The RightTrack program allows drivers to earn discounts based on safe driving habits, with potential savings of up to 30% [15][24] Claims Process - The claims process involves several steps, including contacting Liberty Mutual, submitting a claim, documenting damage, and receiving payment, with a typical response time of one to two business days for claim reviews [17][19][22] - Customers can track their claims through Liberty Mutual's mobile app, which has received high ratings from users [20][23]