Liberty Mutual Insurance Review
Liberty Mutual offers comprehensive coverage with standout features like new car replacement and lifetime repair guarantees.
Overview
Liberty Mutual was founded in 1912 and has grown into one of the largest property and casualty insurers globally. They offer a wide range of personal and commercial insurance products. Known for their 'Only Pay for What You Need' advertising, Liberty Mutual provides customizable coverage options and several unique benefits.
Pros
- New car replacement coverage included
- Accident forgiveness available
- RightTrack telematics for discounts
- Strong coverage customization options
- Lifetime repair guarantee on approved repairs
Cons
- Rates often higher than average
- Customer satisfaction scores are average
- Website and app can be confusing to navigate
- Some features only available through agents
Average Rates
* Rates are national averages and vary by location, driver profile, and coverage level
Ratings & Scores
Available Discounts
Frequently Asked Questions
What is Liberty Mutual's new car replacement?
Liberty Mutual's new car replacement feature means if your new car is totaled within the first year of ownership, they'll pay for a brand new car of the same make and model, not just the depreciated value.
What is Liberty Mutual RightTrack?
RightTrack is Liberty Mutual's telematics program that monitors your driving through a mobile app. Safe driving can earn you a discount of up to 30%, and you're guaranteed not to see a rate increase from participation.
Is Liberty Mutual expensive?
Liberty Mutual's rates tend to be higher than average, but their comprehensive coverage options and unique benefits like new car replacement may justify the cost for some drivers.
Does Liberty Mutual offer accident forgiveness?
Yes, Liberty Mutual offers accident forgiveness that prevents your first at-fault accident from raising your rates. This is available as an add-on in most states.
What is Liberty Mutual's lifetime repair guarantee?
If you use a Liberty Mutual approved repair shop, they guarantee the workmanship for as long as you own the vehicle. This provides peace of mind after accidents.
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