Last Updated: 02/04/2026
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Strongly recommended
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A(Verified 02/04/2026)
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Liberty Mutual Auto Insurance Review
Liberty Mutual is a car insurance carrier based in Boston, MA. The insurance company was founded in 1912 and offers car insurance in 50 states (and Washington, DC).
If you're considering whether Liberty Mutual car insurance is a good option for you, read on.
Liberty Mutual car insurance Pros & Cons
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Liberty Mutual car insurance FAQ
What types of car insurance coverage options does Liberty Mutual car insurance offer?
Although we often talk about car insurance in the singular, it really includes several types of coverage options.
Does Liberty Mutual car insurance have roadside assistance?
No, Liberty Mutual does not have roadside assistace.Does Liberty Mutual car insurance offer ridesharing insurance?
No, Liberty Mutual car insurance does not offer ridesharing coverage as a rider or endorsement.What benefits does Liberty Mutual car insurance offer?
Liberty Mutual car insurance offers the following benefits to its customers:
- 24/7 Phone Availability: Customer service is staffed around the clock.
- Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.
- Digital Claims Reporting: Never fax or mail a document again.
- Mechanical / Auto Body Repair Network: Enjoy the competitive prices and peace of mind of having access to a network of service and repair shops.
What insurance discounts does Liberty Mutual car insurance offer?
When you ask for an insurance quote with Liberty Mutual car insurance, make sure you ask for all the insurance discounts you qualify for. These are the insurance discounts currently available that are specific to car insurance.- Alternative Fuel / Hybrid: For some reason, possibly because they drive fewer miles, people who own hybrids or alternative fuel vehicles pose a lower insurance risk. If your car is green, make sure you earn the rewards.
- Anti-Lock Brake System: ABS technology reduces uncontrolled skids and insurance premiums. Most cars have them but it's an insurance discount people often forget to ask for.
- Internal Safety Features: Liberty Mutual car insurance offers additional savings if you have seatbelts, airbags, and similar safety features. Ask what other safety features on your car will trigger an inurance discount.
- New Vehicle: If you buy a current year or previous year model, you will qualify for an insurance discount on your premium.
- Telematics Device (Usage-Based Insurance): You can qualify for an insurance discount if you agree to install a sensor that records your driving habits.
Want more insurance discounts? Check the insurance discounts tab for a full list of general policy insurance discounts you can qualify for with Liberty Mutual car insurance.
How does Liberty Mutual calculate insurance rates?
Car insurance companies guard their risk-assessment algorithms as a trade secret, and Liberty Mutual is no exception. However, you can be confident that Liberty Mutual car insurance will take into consideration your driving record, age, gender, marital status, and address.
Other factors it will take into consideration are your vehicle (make and model), insurance history, and how you use your car.
Does Liberty Mutual car insurance use your credit score?
It is safe to assume that, when legal, a car insurance company will use your credit score as a rating factor. There are two exceptions.
- If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
- There are also a handful of car insurance companies that base their insurance rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.
How can I get a Liberty Mutual car insurance insurance quote
- Visit the Liberty Mutual website.
- Fill out the insurance online quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
- Check the information is accurate and submit your application.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Liberty Mutual car insurance
Hours of Operation
Sunday
Closed
Monday
8:00AM - 6:00PM
Tuesday
8:00AM - 6:00PM
Wednesday
8:00AM - 6:00PM
Thursday
8:00AM - 6:00PM
Friday
8:00AM - 6:00PM
Saturday
Closed