Liberty Mutual Insurance: Auto, Home, and Renters

Your shopping guide to Liberty Mutual auto, homeowners, and renters insurance. Discover coverages, discounts, and how to get quotes.

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Founded in Boston, Massachusetts in 1912, Liberty Mutual is one of the oldest and most popular insurers in the United States. As per the Insurance Information Institute (III), it’s also one of the largest property and casualty providers by direct premiums written. Liberty Mutual offers several types of auto, property, and business insurance. The company sells policies globally, including all 50 states and Washington, D.C.

In this guide:


  • Lots of auto coverage types
  • Many discounts
  • Extra home and renters coverage types
  • Easy claims process


  • Limited local agents
  • Below average customer satisfaction

Liberty Mutual Auto Insurance

Liberty Mutual is the sixth-largest auto insurer in the US, according to the III. The company also has high customer service marks. In its 2022 national insurance study, J.D. Power gave the provider an overall customer satisfaction score of 860 out of 1,000. This makes it the third in the nation for satisfaction.

Auto Coverages

Liberty Mutual offers more auto coverages than any other provider. These include ones that your state may require, like liability and personal injury protection (PIP), as well as plenty of add-ons. This insurer also has full coverage options lenders require, such as comprehensive and collision. For this reason, we ranked it as the best auto insurer for coverage.

Here’s a complete list of the auto coverages provided:

  • Liability insurance. Liability pays for any injuries or property damage you cause in an accident.
  • Collision insurance. Collision pays for damages to your car after a crash with another object or vehicle.
  • Comprehensive insurance. Comprehensive protects you from paying for damages that an “act of God” causes. These include water damage, fire, vandalism, theft, natural disasters, and more.
  • Uninsured and underinsured motorist (UM and UIM). UM and UIM pays for damages and injuries that an uninsured or underinsured driver causes.
  • Medical payments (MedPay). Medpay covers medical bills for you and your passengers after an accident.
  • Personal Injury Protection (PIP). Like MedPay, PIP covers medical and funeral costs for you and your passengers after an accident, regardless of fault.
  • Guaranteed Asset protection (Gap). GAP pays the difference between what you owe on your car’s loan and its actual cash value (ACV). Otherwise, you’d need to pay for the rest of the loan yourself.
  • Rental car reimbursement. Pays for you to have a rental while your car’s in the shop after an accident.
  • Insurance for travel to Mexico. This will give you standard coverage for your trip to Mexico.
  • New car replacement. If your car becomes a total loss within a year of you owning it, you’ll get the MSRP price instead of the ACV.
  • Better car replacement. With this coverage, You’ll be paid enough money to buy a car that’s a year newer than your current one if it gets totaled.
  • Liberty Mutual deductible fund. You can opt to pay extra each month for collision coverage to lower your deductible by $100 yearly.
  • Lifetime repair guarantee. After an accident, you’ll get help finding a local repair shop.
  • Original parts replacement. Damaged car parts will be replaced with high-quality ones that match the originals.
  • Auto insurance for teachers. Provides extra coverage for teachers. This includes protection against vandalism, collisions, and theft of school supplies.
  • Umbrella coverage. This adds additional liability protection to cover you from expensive claims and lawsuits.

24-Hour Roadside Assistance

Car breakdowns are both unfortunate and never part of anyone’s plan. Luckily, Liberty Mutual provides roadside assistance to get you back up and running if you get stranded. When you request help, you can receive any of the following services:

  • 24/7 coverage
  • Towing
  • Dead battery jump-starts
  • Emergency gas delivery
  • Flat tire changes
  • Locksmith services

Roadside assistance is an auto insurance coverage add-on. You can only add it if you already have “Towing & Labor Coverage” on your policy.

How to Contact Roadside Assistance

You can request emergency assistance online or on the app. You can also call the roadside assistance phone number: (800) 426-9898.

Policy Term Length

This carrier offers 12-month policy term lengths. But you can always ask for it to be six months if you want the flexibility of a short-term policy. Keep in mind that the company doesn’t offer short-term or temporary policies.

High-Risk Coverage

Liberty Mutual typically covers high-risk drivers with lots of tickets, accidents, or severe violations (DUIs, reckless driving, etc.) on their record. High-risk policies are usually much more expensive than regular ones. Luckily, you can lower your rates with discounts such as RightTrack, a telematics device that’ll lower your rates if you drive safely.

Salvage Titles

Cars with salvage titles are not insurable. At one point in a salvage vehicle’s history, a provider declared it a total loss after a wreck. Salvages are undrivable, and insurers won’t cover them. However, should you have one repaired by a certified mechanic to the point it passes an inspection, it can be rebranded. This branding indicates that it’s now roadworthy and ready to drive. Now, you just need insurance that meets state requirements.

Rebuilt Titles

Liberty Mutual insures cars with rebuilt titles. However, policies for these vehicles may be limited to liability-only, with full coverage unlikely. Despite passing inspections and rebranding, insurers don’t consider rebuilds as safe as those with clear titles. In addition, auto insurance for rebuilt titles tends to be more expensive.

How to Get a Quote

Whether you’re shopping for insurance for the first time or renewing your policy, Liberty Mutual makes it easy to get a quote. Any one of these four methods will get you started:

To get a complete quote, you must provide personal information. This mainly consists of general details about yourself and your driving record. Here’s what information you may need to provide:

  • Name
  • Street address
  • Phone number
  • Email address
  • Driving record
  • Which drivers will be on your policy
  • Desired coverage and limits
  • Car make and model
  • VIN number

Keep in mind that if you get an online quote, the rate you see is preliminary and may change. You’ll usually need to speak with a company representative to finalize your premium.

Liberty Mutual Auto Rates

Your auto insurance rates depend on many different factors. These are facts about you that tell companies how risky of a driver or customer you’ll be. Below are the rate factors most insurers use:

  • Your driving record
  • Yearly mileage
  • How much it costs to repair your car
  • Your car’s make and model
  • Claims history

Another major rate factor is where you live. Some states and cities are more at risk for claims, either because of crime, weather, driving patterns, or all of the above. To find out how much a policy will cost you in your area, you can get a quote and enter your ZIP code to get more specific results.

You can also opt-in to the company’s RightTrack program for the lowest rates. RightTrack monitors your driving habits and lowers your premium if you drive safely. It doesn’t ever raise your rates.

Auto Discounts

Liberty Mutual has a wide range of discounts to help you lower your rates. Many of which are easy to get. Below is a complete list of its discounts and how you can qualify for each one:

Loyalty Discounts

You can get a customer loyalty discount for buying more than one type of insurance or insuring multiple cars with the company. Here’s a list of the loyalty discounts available:


Owning a house is all you need to cash in on the homeowners discount.


The multi-car discount applies when you insure more than one vehicle.


This is a bundling discount. The multi-policy discount kicks in when you “bundle” more than one type of policy with Liberty Mutual. Bundling auto and home, renters, condo, umbrella, or another qualifying coverage can save you a ton.

Driver and Driving Behavior Discounts

The following are discounts you can get due to your driving habits and personal situation.

Accident Prevention Course

Drivers that complete approved training can qualify for the accident prevention driver course discount. You can even take some of these driver safety courses online. One of them, for instance, is available from This defensive driving course has partnered with Liberty Mutual. The cost is just $39.95. Not a bad investment for savings that’ll go on and on.


The claims-free discount is sort of like the accident-free To qualify, your driving history must be claims-free.

Good Student

As every insurer knows, good students typically drive better. And they’re more than happy to share when they benefit. The good student discount is Liberty Mutual’s way of saying thank you to the families of high-performing teens.

To qualify, students must maintain a B or higher GPA (3.0). Savings and availability may vary by state.

New Teen Driver

It’s expensive to add a teen to your auto insurance policy. But we all grit our teeth and do it. The new teen driver discount will ease the hurt. To qualify, your child must be under 21 and added to your policy within the last year.


To qualify for the military discount, you must be either active-duty, retired, or in the reserves. Savings vary by state, but the average military discount takes 10% off your rates.


RightTrack is Liberty Mutual’s telematics program that monitors your driving habits and can reward you with lower rates for driving well. You can participate in one of two ways. Most current policyholders can join by downloading the Liberty Mutual or RightTrack app and registering. New York residents can also stick a RightTrack tag device on their windshields. There’s also a plug-in device you can connect to your car’s OBD port.

These apps and devices collect data on key safe driving habits. You don’t need to launch the app for it to work. You just need to allow the RightTrack app to access your location. Here’s what the app evaluates:

  • Acceleration (speed)
  • Braking (harsh braking)
  • Time of day (nighttime driving)
  • Mileage (how much you drive)

Note: the program does not track phone use.

The app will keep track of your driving data for 90 days. At the end of this period, the company will assess your driving, and your discount will be determined. The safer you drove over these 90 days, the more you save.

Liberty Mutual promises that your rates will never go up through participation in this program. You will, however, get a discount just for signing up. No matter how bad a driver you are. Discounts range from the automatic 5% for signing up all the way to 30%.

And there’s one more great piece of news. These savings will continue as long as you keep your auto insurance policy with Liberty Mutual.

The more people that participate, the better the savings. Liberty Mutual encourages everyone to tell their friends.

RightTrack Mobile is available in 41 states and in Washington, DC.

Student Away At School

The student away at school discount is for the families of students that don’t live at home. Students can still drive the car on holidays and breaks. The vehicle must remain at home.


Keep speeding tickets and other moving violations off your driving record and you’ll get a discount.

Auto Policy Discounts

Below are discounts you can get due to the specifics of your auto insurance policy. Most of them are fairly easy to qualify for and could save you a great deal.

Early Shopper

Get a quote before your current policy expires and your new policy will qualify for this early shopper discount. Save even more for getting your quote online.

Online Purchase

The online purchase discount is super easy to scoop up. Just sign u and pay for your policy online.

Paperless Policy

The paperless policy discount saves you money and reduces the clutter in your mailbox. Switch to paperless billing to save the planet and some cash.

Preferred Payment

The preferred payment discount provides two ways to save. One way is to enroll in automatic billing. The way you can qualify is by paying your policy in one or two payments.

Your Choice – Customized coverage

This isn’t really a discount. It’s a way that you can buy the coverage you want and can afford, and nothing else. Liberty Mutual will work with you, and your budget, to find the coverage you want and need.

Filing an Auto Claim

Filing an auto claim should only take a matter of minutes. You have the option of filing online or via phone at (800) 225-2467. To file, you’ll just need to provide basic info about the accident, including what happened and the date of the collision. After you file a claim, this is what you can expect to happen next:

  • Damage review
  • You’ll get an estimate of the claim settlement. Then, you can make an appointment to get repairs for your car.
  • Your claim is settled

Key Takeaway for Auto Insurance

Liberty Mutual offers a lot in terms of car insurance. It has up to 18 coverage types to choose from when you’re setting up your policy. Then, you can use several discounts to lower your rates. It’s also fairly easy to file a claim. There aren’t any unnecessary hoops to jump through. All you have to do is file online. Overall, Liberty Mutual is a great option for protecting your vehicle.

Liberty Mutual Homeowners Insurance

Liberty Mutual also provides homeowners insurance as one of its main services. This protects your house from various disasters, such as fires and severe weather. The III lists this as the fourth-largest homeowners provider in the country and ranks 17th on J.D. Power’s overall customer satisfaction rankings.

Homeowners Coverages

Liberty Mutual provides seven standard home insurance coverages. These include all of the basic types you’d expect to find in a normal homeowners policy. Here’s a look at what standard homeowners policies come with:

Personal Property Coverage

This helps replace your personal belongings if a disaster destroys or damages them. It’s smart to keep track of your items so your insurer knows what to replace. Note that this covers your items no matter where they are in the world.

Personal Liability Protection and Medical Payments to Others

These both cover accidental injuries and damages that happen on your property. This includes protection against lawsuits. As an example, if a neighbor slips and falls in your house, these coverages will step in to help pay for any medical costs. Similarly, if your kid damages a neighbor’s car, liability protection will cover it.

Dwelling Coverage

Dwelling coverage pays for damages to the physical structure of your house and other buildings on your property. You’ll only receive protection from covered perils or disasters, such as fires, vandalism, and severe weather. This includes:

Wind and Hail Coverage

This pays for damages that wind and hail cause. This coverage is designed to specifically cover wind and hail damage, nothing else. Depending on your state, you may have to pay a separate deductible.

Hurricane Coverage

Hurricane coverage comes standard with homeowners policies. This specifically covers hurricane damage. Like wind and hail coverage, you may have to have a separate deductible for this. However, this depends on your state.

Additional Living Expenses (ALE)

If a disaster renders your house unlivable, ALE will pay for any extra living expenses until you can move back in. This includes costs like:

  • Hotel fees
  • Restaurant and food bills
  • Rentals
  • Pet boarding costs

Homeowners Discounts

Liberty Mutual offers 10 home insurance discounts to save you money. Many of these are easy to qualify for. Here’s an in-depth list of the carrier’s homeowners discounts:

  • Multi-policy. Bundling your home and auto policies will get you a discount. Savings will vary for each person.
  • Insured to value. Getting enough coverage for the full replacement cost of your home will get you a discount.
  • Paperless policy. Switching to a paperless policy can get you a discount and help the environment.
  • Preferred payment. You can get a discount by choosing to automatically pay your premium each month. All you need to do is have your bank automatically transfer funds as your payment method.
  • Claims-free. If you haven’t filed a claim with your previous carrier in the last five years, you can get a discount.
  • Early shopper. Before your old policy runs out, be sure to get a quote. This could get you a discount!
  • Safe homeowner program. Staying claims-free for three years will get you a discount.
  • Newly purchased home. Did you recently buy a house? You could get a discount.
  • New or renovated home. Buying a new construction or recently renovated home can save you money on a homeowners policy.
  • New roof. A new, sturdy roof is a great way to protect your house. It may also get you a discount on your homeowners.

Extra Homeowners Coverage Options

A standard home insurance policy already covers a lot. However, you can add even more protection by adding extra coverage. These will help lower your chances of having to pay out of pocket for damages to your home and property. Below are the extras you can add to your policy:

Blanket Jewelry

Jewelry is often more expensive to replace than your coverage limits allow. Blanket jewelry coverage will replace your items without any deductible or appraisal.

Personal Property Replacement Cost

Normally, you’d only receive the actual cash value (ACV) if a disaster damages your items. With this coverage, you’ll receive the replacement cost for your items.

Escape of Water Coverage

Sewer or sump pumps can back up or overflow, causing massive damage. This covers any damage that water backups or overflows cause.

Inflation Protection

As inflation goes up, so do home repair and material costs. Because of this, your coverage limits may not be enough to repair or replace your home. Liberty Mutual will automatically adjust your coverage limits to keep up with inflation.

Homeowners Rate Factors

How much you pay each month for homeowners insurance depends on many factors. These factors include details about your home and you as a customer. Below are common homeowners rate factors:

  • Your home’s value
  • Claim history
  • Credit rating
  • Where you live
  • How high or low your deductible is
  • How much coverage you buy

Filing a Homeowners Claim

To file a homeowners insurance claim, you’ll need to do so online or by calling (800) 225-2467. Filing a claim should only take you around 10 minutes. After you file, the company will assess the damages to your property. Then, you should receive payment so you can make the proper repairs to your house.

Key Takeaway for Homeowners Insurance

Liberty Mutual is a good option for covering your house because, besides the four standard types of coverage, it also offers hurricane, wind, and hail protection. There are also several policy add-ons available. If money is tight and keeps you up at night, there are plenty of discounts to keep your premium affordable. Liberty Mutual is a solid choice for protecting your family home and assets.

Liberty Mutual Renters Insurance

If you’re a tenant, renters insurance is a smart choice to protect your finances and belongings. Liberty Mutual offers renters policies for those who need them. J.D. Power gave the company a score of 823 out of 1,000 in its customer satisfaction rankings, which is good for seventh in the country. This makes this provider one of the top insurers in the US for renters coverage.

Renters Insurance Coverages

Standard renters insurance policy comes with three coverage types, including:

Personal Property Coverage

This covers your items if a covered random disaster damages them. Note that this coverage only pays the actual cash value (ACV) of your belongings. You can always choose to add replacement cost coverage later.

Personal Liability and Medical Payments Coverage

Accidents happen. Luckily, liability protection and medical payments coverage can help pay for injuries or accidental property damage that happens to others in your rental unit.

Additional Living Expenses (ALE)

Sometimes, disasters can destroy your home to the point that it’s unsafe to live there. ALE will pay for the living expenses you have until you can return to your home. This includes things like:

  • Lodging
  • Restaurant and food costs
  • Pet boarding

Renters Discounts

Renters insurance already comes cheap. But you can lower your rates even more by qualifying for discounts. Liberty Mutual offers five renters discounts:

  • Claims-free. You can get a discount if you haven’t filed any claims with your previous insurer in the last five years.
  • Early shopper. You’re able to get a discount by getting a quote before your current policy ends.
  • Online purchase. This is an easy one. If you buy your policy online, you’ll get additional savings.
  • Multi-policy. Liberty Mutual will give you a discount if you buy both renters and auto coverage with them. You may also see people refer to this as bundling.
  • Preferred payment. Setting your policy up so that you pay with automatic bank transfers can get you a discount. It’ll also help you avoid missed payments.

Extra Renters Coverage Options

You can add even more insurance to your renters policy with extra coverage options. These will help fill gaps in your policy, lessening the chance of you needing to pay out of pocket. Below are the company’s extra renters coverage options:

  • Replacement cost for personal property. Instead of receiving the ACV for your belongings, you’ll get the replacement cost. This will make sure you can easily replace your items in the current market.
  • Blanket jewelry coverage. Liberty Mutual will replace your jewelry without a deductible or appraisal.
  • Earthquake coverage. If an earthquake destroys your items, you’ll receive coverage. This includes damages that an aftershock up to 360 hours after the original earthquake causes. Keep in mind that you’ll need to pay a deductible.

Renters Rate Factors

Liberty Mutual will set your renters insurance rates based on several different factors. These include the following:

  • Where you live
  • How much coverage you buy
  • Credit rating
  • Claims history
  • How high or low you set your deductible

Filing a Renters Claim

Filing a renters claim should be an easy process. You can file by either going to the Liberty Mutual website or by calling (800) 225-2467. Then, you’ll need to explain both what happened and the exact date of the incident. After you file your claim, the company will review the damages and will settle your claim.

Key Takeaway for Renters Insurance

Liberty Mutual’s renters insurance is similar to what other companies offer. You’ll receive three basic coverages and have the opportunity to add more. Many renters shy away from this kind of policy because of concerns about the cost, but this insurers renters discount selection sets it apart from the competition. Its claims process is also pretty simple. Overall, this is a solid choice for tenants looking for a renters policy.

Liberty Mutual Company Information

Liberty Mutual wrote more than 39 billion property/casualty premiums in 2021 and had a market share percentage of 4.9%, data from the National Association of Insurance Commissioners (NAIC) reveals.

Here are some other facts about the company:

  • Revenue: $48.2 billion
  • Number of employees: over 45,000
  • CEO: David H. Long
  • Headquarters: Boston, MA
Liberty Mutual's corporate headquarters in Boston, Massachusetts.
Liberty Mutual’s corporate headquarters in Boston, Massachusetts.


Liberty Mutual was founded in 1912 as the Massachusetts Employees Insurance Association. It initially started as a workers’ compensation provider. Before long, the company began to expand into other areas. It changed its name to Liberty Mutual in 1917 and wrote its first auto policy in 1918.

Since its start over 100 years ago, the insurer has been very successful. Today, it’s blossomed into an international carrier with billions in revenue and tons of products. It also has several subsidiary companies. A notable example of this is its 2008 acquisition of Safeco.

In the last few years, the insurer has gotten in on the TV advertising fun. For instance, you’ll often see LiMu Emu and Doug in funny situations and explaining that “Liberty Mutual customizes coverage so you’ll only pay for what you need.”

Customer Satisfaction

Liberty Mutual has generally positive financial strength and customer satisfaction ratings. This includes scores from sources such as A.M. Best, S&P Global, and J.D. Power.

The following are up-to-date customer satisfaction ratings:

Each year, J.D. Power comes out with a study on the best auto, home, and renters insurance providers. It scores companies on a scale of 1,000 points. The auto study includes four states and seven regions around the country. The homeowners and renters studies, however, consider customer satisfaction for the entire US.

Liberty Mutual ranked as a top insurer on several of the lists in J.D. Power’s 2022 auto insurance study. It didn’t rank well enough, however, to appear as a top company in the Northwest or Texas. It’s average customer service score across each state and region was 819.

Liberty Mutual appeared 17th on J.D. Power’s 2021 homeowners study with a score of 806. In the 2021 renters study, it ranked seventh with a score of 823.

Types of Insurance Liberty Mutual Offers



There are also many property coverages to help you protect what you care about. This includes the following:

  • Homeowners
  • Renters
  • Condo
  • Landlord
  • Mobile Home
  • Flood
  • Umbrella

Liberty Mutual also offers various types of business insurance, life, and even pet coverage.

Claims Process

You can file a claim online, with the app, or over the phone. However, it’s normally the quickest to file online or with the app. The typical online process to file a claim should take about 10 minutes. You’ll need to provide the following info:

  • Your policy type
  • Your policy number
  • What happened
  • What the damage is
  • The date of the incident
  • Make, model, and year of your car (if filing for auto)

With both auto and property claims, you can expect to work with a claims representative. They’ll want to review the damages to your car or home. For vehicle claims, you can take your car to a repair shop and have them assess your damages.

After this, you should receive a repair estimate and will be on your way to getting your home, rental unit, or car fixed. During the claims process, you can track/manage your claim online or on the mobile app.

These are some useful links if you need to file a claim:

Claims hotline: (800) 225-2467

Cancellation Process

To cancel your policy, you’ll have to call the company’s customer service line at (800) 290-8711. A customer service representative will be able to help you through the cancellation process.

Be aware that you may have to pay a cancellation fee depending on things like state laws, policy details, and more.

Mobile Apps

Liberty Mutual Mobile lets you easily manage your policy from your mobile device. You can do the following if you download the app:

  • Access digital ID cards
  • View coverages and policy info
  • Make coverage changes, including adding drivers to your policy
  • File and track a claim
  • Upload photos of damage
  • Call for roadside assistance
  • Access the company’s safe driving program
  • Enable paperless billing and automatic payments
  • View and electronically sign documents
  • Chat with customer support

Download links:


Liberty Mutual’s safe driving program, RightTrack, allows you to save up to 30%. This includes a discount for signing up. To start saving, you’ll have to enroll in the program and download the app. Then, it’ll track your driving habits. Liberty Mutual claims the RightTrack mobile app will track your:

  • Braking
  • Acceleration
  • The time of day you drive
  • Your mileage

Download links:

Contact Information

Mailing address:

Liberty Mutual Insurance

175 Berkeley Street

Boston, MA 02116

Phone number:

(800) 290-8711

Customer resources:

Roadside assistance hotline:

(800) 426-9898