Liberty Mutual Auto Insurance Review
Liberty Mutual is the sixth largest auto insurance company in the country based on direct premiums written. In addition to auto insurance, Liberty Mutual offers a wide variety of personal and business insurance policies.
Is Liberty Mutual a good insurance company?
Yes, for many consumers, Liberty Mutual is a good insurance company. The breadth of its coverage means consumers can tailor their policy to suit their needs.
Liberty Mutual is among NerdWallet's top auto insurance companies.
Liberty Mutual auto insurance coverage
When shopping for auto insurance, it's important to understand what auto insurance coverage you want and what you need to buy. Most states require car insurance to drive a vehicle. Although minimum coverage requirements vary from state to state, they generally include liability insurance and uninsured or underinsured motorist coverage.
If you want extra protection, you may be interested in comprehensive insurance. Full coverage is not a specific type of policy; It is a mixture of types of coverage, such as liability, collision and comprehensive insurance.
Check out the most popular types of car insurance below to see how they work:
Cover type
What is paid for it
i wanted
Liability for bodily injury and property damage
Costs for injuries, deaths or property damage from an accident you caused.
It is usually required.
Uninsured or underinsured motorist coverage
Medical and property damage costs following an accident with a driver who does not have adequate insurance or who has no insurance at all.
It is often requested.
collision coverage
Car accident repair costs, regardless of who is at fault.
This may require a car loan or rental.
Comprehensive coverage
Repair costs from events beyond your control, including weather events, hitting an animal while driving, theft and vandalism.
This may require a car loan or rental.
Liberty Mutual offers standard auto policies to which you can add several types of optional coverage, including:
Accident tolerance. Your premium will not increase as a result of your first accident if you have not had an accident or traffic violation for five years. This coverage is not available in California and may vary by state.
Exchange for a new car. If your vehicle was assembled in the first model year and first 15,000 miles, you will be reimbursed for the cost of the new vehicle, not just the depreciated value.
Best replacement car. This takes a new car trade-in a step further: If your car is totaled at any age or mileage, you'll be compensated for a newer car that's one year old and has 15,000 miles less totaled.
cut off fund. When you add this feature to your policy, Liberty Mutual creates a "box" to reduce your collision discount. The insurance company contributes $70, while you contribute $30 each year. If you have an accident, the amount you pay out of pocket will be reduced by the amount of money in the box.
Gap insurance. If the total amount owed on your car is more on the loan or lease than you are owed, gap insurance will pay the difference.
Replacement of original spare parts. This coverage ensures that if your vehicle is damaged, repairs are made with original manufacturer parts when available.
Auto insurance for teachers is a unique offering from Liberty Mutual. Although it may not be available where you live, it comes at no additional cost to educators and includes:
Protection against losses caused by vandalism. There is no discount if your vehicle is vandalized during school related events or on school property. (In Pennsylvania, a $100 deductible applies.)
Personal property coverage. Liberty Mutual will reimburse you up to $2,500 per incident if your educational material or school-owned property is stolen or damaged while in your vehicle.
collision coverage. There is no discount if your car is damaged in an accident while driving for school work. (In Pennsylvania, a $100 deductible applies.)
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Car insurance discounts
Although Liberty Mutual discounts vary by state, the list of potential price breaks is long. You may be eligible for discounts on:
owning a home;
Be an active, retired, or reserve member of the United States Army.
Get a Liberty Mutual quote before your current policy expires.
For students, getting good grades or leaving the car at home while they're at school.
Driving a hybrid or electric vehicle.
The presence of safety features such as anti-lock brakes,