Liberty Mutual Auto Insurance
Is Liberty Mutual Car Insurance Right For You?

Liberty Mutual auto insurance has been around for almost 100 years already!


The company started out as an organization called the Massachusetts Employees’ Insurance Association back in 1912 to deal with workers comp. in the state of Massachusetts (obviously!).


In just a few years, they changed their name to Liberty Mutual Insurance Company and branched out almost immediately into the area of car insurance.

Since then, the Liberty Mutual Group has added Life Insurance, Homeowners Insurance, Renters Insurance, Fire Insurance, and various types of commercial insurance to their many offerings.


One particularly interesting little tidbit that I was surprised to discover is that Liberty Mutual has expanded beyond the shores of the US to offer insurance in 14 other countries as well. Now that's global expansion!


But what does all this mean for you? Good question! I guess I find it reassuring to know that if you decide to purchase Liberty Mutual auto insurance, you'll be dealing with a company that has been around a good long time and has expanded to such an extent that they have a solid business base and aren't one of the many "fly by night" companies that may not be there when you need them.

What Does Liberty Mutual Auto Insurance Offer?


The Liberty Mutual Insurance Company offers all the usual types of auto insurance coverage that you would expect to get anywhere else.


Whether you are looking for the minimum coverage your state requires, or you need the full package with collision, comprehensive and the works, you'll have no trouble getting what you need at Liberty Mutual.


But what I really like about this company is that they have a few "extra's" that you don't find just anywhere. They've got an optional insurance called Better Car Replacement that will enable you to get a car that's one year newer and with 15,000 fewer miles, if your current vehicle happens to be totaled in an accident.


Sure, this type of coverage isn't suitable to everyone, but for the right driver, this is very appealing.  For that reason, Better Car Replacement is an "optional" coverage and has some of the usual requirements when implemented.  It's only good when the car is a total covered loss.  Of course, you'll still have to pay your deductible.


Keep in mind that this option isn't available in every state, so you'll need to ask your agent if you qualify.  It also isn't applicable for motorcycles or leased vehicles (just in case you were wondering).  ;)


Another great benefit of Liberty Mutual car insurance is their free "Accident Forgiveness" policy that is included in most states (not CA). This means that if haven't had any tickets and you've been accident free for five years, your first accident won't make your rates go up. This can save you big money on your premiums. It's a little feature that I really like in an auto policy, so I give extra points for this one!


As always, these extras are subject to the terms and conditions of the Liberty Mutual auto insurance underwriting guidelines.  If you've got questions, a Liberty Mutual rep can clarify any confusion.  Just ask!


Of course, Liberty Mutual Insurance Company offers discounts, too:

  • Good Student Discount - B average or above
  • Multi-policy Discount - save 10% on your home insurance if you combine it with Liberty Mutual auto
  • Multi-car Discount - insure more than one vehicle and save even more
  • Group Policy Discount - check to see if you belong to any organization that is part of Liberty Mutual's affinity program.



All these savings can add up and mean more dollars in your pocket at the end of the day. It only takes a few minutes to find out if you qualify.

Liberty Mutual Review


Have you been insured with Liberty Mutual auto insurance in the past or do you currently have Liberty Mutual car insurance?


We'd love to get your input for our Liberty Mutual review section below. I feel it's important for consumers to speak out (positively or negatively) regarding their insurance experiences.


Maybe you've had a different type of insurance with Liberty Mutual - their life insurance, home insurance, renters insurance, or even Liberty Mutual motorcycle insurance. What did you think about it?


Did the Liberty Mutual agents treat you right? Have you ever had to file a Liberty Mutual claim? What was your experience? Please take a few moments to tell us all about it.

Dish The Dirt On Your Insurance Company!

Most people hate spending money on auto insurance. But if you have to spend the money, you want to be sure you are getting the best deal possible.

You expect good customer service, prompt attention to claims, and help when you need it. Are you getting this from your automobile insurance provider?

Praise or punish your insurance company here. Your input will be a help to future insurance consumers who want honest opinions rather than the company line. Go ahead, rant or rave!

What Other Visitors Have Said

Click below to see reviews and ratings from other visitors to this page...

Liberty Mutual Insurance Canada 
When I made my 3rd accident claim ($800.00) in 5 years, no one at Liberty Mutual Insurance Canada warned me that I would be dropped if I made this claim. …

Liberty Mutual Insurance Company 
I've used Liberty Mutual Insurance Company for several years now. I've filed just one claim in the past 2 years and the Liberty Mutual customer service …

Liberty Mutual Insurance 
I've been with Liberty Mutual Insurance for about 11 years now. I have carried both the homeowners and auto coverage over that period as well. When …

Click here to write your own.


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Auto Insurance Home | Liberty Mutual Ins | Liberty Mutual Insurance Group | Liberty Mutual Insurance Co | Liberty Mutual Claims | Liberty Mutual Home Insurance | Liberty Mutual Renters Insurance | Liberty Mutual Life Insurance | Liberty Mutual Fire Insurance Company | Liberty Mutual Jobs | Liberty Mutual Health Insurance |

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