Liberty Mutual Review: Useful Coverage and Good Prices

Is Liberty Mutual a good insurance company?

Liberty Mutual is generally a good company for car, home and renters insurance. The company has coverage options that you can’t get from some others. Its rates are better than average, but it gets mixed customer service reviews.

Who is Liberty Mutual best for?

Liberty Mutual is best for people who want more than just basic insurance coverage. It offers coverage options you can’t get from many other companies. These include original parts coverage for your car and hidden water leak coverage for your home.

Who it may not be the best fit for

If you only want basic coverage, you may be able to find cheaper rates somewhere else.

How much does Liberty Mutual cost?

Unlike other insurance companies, Liberty Mutual doesn’t share its rates with the industry database used by most of its major competitors. This makes it hard to compare its rates to other companies and national averages.

As a result, this review relies on public filings in California, using the state as an example. In that state at least, Liberty Mutual’s car and home insurance rates are close to the average. 

Liberty Mutual car insurance rates

Based on the California data, Liberty Mutual charges an average of $292 a month for full coverage , before discounts. This puts it in the middle of the pack for rates among large companies. 

Its minimum coverage rate of $117 a month is higher than what most of its competitors charge.

Car insurance rates by company (California)

Source: California Department of Insurance

Each company’s rates vary by customer and by state, so your rates may be different from those shown here. It’s good to compare car insurance quotes from a few companies to find the best rate.

Liberty Mutual home insurance rates

Again just using California as an example, Liberty Mutual charges an average of $2,106 a year for home insurance (about $176 a month), which is 8% less than the average, before discounts. 

As with car insurance, comparing home insurance quotes helps you find the best rate for your situation.

Home insurance rates by company (California)

Source: California Department of Insurance

Liberty Mutual insurance coverage options

Liberty Mutual offers useful coverage options that many other companies don’t have. These can make it a good choice if you need or want them.

What car insurance coverages does Liberty Mutual offer?

Liberty Mutual’s car insurance coverages go beyond the basics like liability , collision and comprehensive .

It’s one of the few car insurance companies to offer original equipment manufacturer (OEM) parts coverage. OEM pays to repair your car with parts from the original manufacturer. Without it, your insurance company may replace damaged parts with cheaper after-market substitutes.

Liberty Mutual offers a few other optional add-ons that some companies don’t have. These include: 

Liberty Mutual’s gap coverage is only available for new cars at the time of purchase. It doesn’t let you add it to your policy for a car you’ve owned for a while.

Liberty Mutual also offers a customized car insurance package for teachers. It covers theft of teaching supplies from your vehicle, and it also waives your collision deductible if you get into an accident while driving on school business.

What does Liberty Mutual’s homeowners insurance cover?

Liberty Mutual also has a few useful homeowners insurance extras. These include coverage for damage from hidden water leaks in your home.

An undetected leak from a pipe or appliance can cause costly damage to your walls and floors. Unfortunately, standard home insurance usually doesn’t cover damage from leaks like these. Liberty Mutual offers add-on protection for this in most states.

The company also offers blanket jewelry coverage. This gives certain valuables more protection than normal home insurance. You don’t need upfront appraisals to get this coverage.

Liberty Mutual also offers add-on coverage for sewer and drain backups and damage to underground utility lines . These are good to have, though most other companies also offer them.

What does Liberty Mutual cover with renters insurance?

Liberty Mutual mostly sticks to the basics with its renters insurance coverage. It offers standard protections for your personal property , liability and certain other expenses.

Its standard policies cover your belongings based on their worth after depreciation (accounting for age and wear and tear). If you upgrade to replacement cost coverage, the company pays to replace your items with no deduction for depreciation. 

Is Liberty Mutual good for customer service?

Liberty Mutual gets mixed reviews for customer service.

The company has average complaint scores from the National Association of Insurance Commissioners (NAIC). The NAIC tracks complaints that lead to a finding of fault over things like claims. 

Liberty Mutual’s scores of 1.0 for home and 0.9 for auto mean it has close to the average number of complaints for a company of its size.

Liberty Mutual’s overall satisfaction ratings from J.D. Power are below average. These are based on customer surveys on factors like price, coverage options and service. Below-average satisfaction essentially means other companies have happier customers.

On the plus side, Liberty Mutual’s smartphone app gets more than 4.5 stars out of 5 from user reviews on both major platforms.

Sources: NAIC 2025 Complaint Index (lower is better); J.D. Power 2026 U.S. Auto Insurance Study (higher is better); J.D. Power 2025 U.S. Home Insurance Study (home and renters, higher is better)

What insurance discounts does Liberty Mutual offer?

Liberty Mutual offers several common insurance discounts, as well as a few that are less common. Its discounts for military service members and teachers are not widely available from other companies. 

The company’s more common discounts include those for bundling, shopping early and buying your policy online. It also has home insurance discounts for homes that have been recently built or remodeled.

Liberty Mutual insurance discount comparison

How does Liberty Mutual compare to other insurance companies?

Liberty Mutual generally compares favorably to other insurance companies. It has more coverage options than most other companies offer. However, a different company may be a better choice if you don’t need extra protections and/or want cheaper rates.

Liberty Mutual vs. State Farm

State Farm doesn’t offer coverage for original car parts, gap insurance or hidden water leaks. On the other hand, it does have better satisfaction scores than Liberty Mutual. This can make State Farm a better choice if you don’t need Liberty Mutual’s extra protections.

State Farm doesn’t offer quotes through independent insurance agents. You can get them through State Farm’s website or from one of its exclusive insurance agents. If you use a quote comparison site like LendingTree, a State Farm agent may send you a quote.

Liberty Mutual vs. Progressive

Progressive also offers gap insurance and accident forgiveness, but not OEM parts coverage. On the other hand, Progressive offers add-on protections for custom parts and rideshare driving , which you can’t get from Liberty Mutual.

Like Liberty Mutual, Progressive’s quotes are widely available through independent insurance agents. This means the same agent may be able to get you quotes from both companies.

Liberty Mutual vs. Nationwide

Like Liberty Mutual, Nationwide has accident forgiveness and gap insurance. However, Nationwide doesn’t have original parts coverage for your car or hidden leak coverage for your home.

If these coverages don’t matter to you, Nationwide may be a better choice. It has better satisfaction scores from J.D Power. Nationwide is also available through independent agents. Some independent agents can get you quotes from Liberty Mutual, Progressive and Nationwide.