Liberty Mutual Insurance Company

Why choose Liberty Mutual Insurance?

  • You’re looking for the know-how that comes with having more than 100 years of experience
  • You want an insurance company that can cover more than just your car
  • You’re interested in supporting a company that invests in the communities it works in

Did you know...?

  • Liberty Mutual is the third-largest property & casualty insurer in the nation
  • They’re currently ranked #77 on Forbes’ 500 list
  • They are an official partner of both the US Soccer Federation and Team USA
  • Their mascot, Limu the Emu is actually a real-life emu (sometimes)
  • Customer Service: 888-398-8924
  • Claims: 800-2CLAIMS (800-225-2467)
  • Roadside Assistance: 800-426-9898
  • Liberty Mutual Insurance, 100 Liberty Way, Dover, NH 03820


Founded a little more than a century ago in Boston, Massachusetts, Liberty Mutual Insurance has since grown into one of the country’s largest insurance carriers. Specializing in a number of different property insurance offerings such as auto, home and more, Liberty Mutual brings in an impressive $42 billion in revenue each year, making it to #77 in Fortune’s Top 100 rankings. The sixth-largest auto insurer in the United States for 2020, Liberty Mutual currently insures around 5% of the entire U.S. auto insurance market.

But is Liberty Mutual the right carrier for you and your vehicle? Read on to find out.

Liberty Mutual Reviews

Review Platform


Clearsurance 3.9/5 – 3,473 reviews
JD Power 877/1,000
Glassdoor 3.4/5

In the court of public opinion, Liberty Mutual fares quite well, holding an A+ rating with the Better Business Bureau. Many customer reviews on other sites back up such a high ranking. On Clearsurance – a top site for insurance-related user reviews – Liberty Mutual hovers right around the 4-out-of-5-star mark, putting it on equal terms with many of the other large carriers like GEICO, Progressive and Nationwide.

When it comes to JD Power, it comes in right along the industry average, with an 877 rating out of 1,000 – bringing it among the top-10 highest-rated insurers by JD Power’s popular metric.

But what do their own employees have to say? Again, the overall consensus is favorable, with the company currently boasting a 3.4 out of 5 on Glassdoor.

At the end of the day, Liberty Mutual’s reputation is above-average, making it no surprise that the Boston-based insurer is consistently in the top handful of carriers in the U.S.

How much does Liberty Mutual cost?

Now that you know you can trust Liberty Mutual to ensure your vehicle, the biggest question on your mind is probably “how much does it cost?” At the end of the day, what you’ll end up paying for an insurance premium depends on a wide range of factors, from driving record and coverage levels to age, gender, marriage status and other demographics.

But that doesn’t mean you have to go into the process blind. To get an idea of what you might end up paying if you switch to Liberty Mutual, check out the chart of average state premiums we’ve compiled below.


Single Car

Multi Car

AL $85 $136
AR $99 $152
AZ $58 $101
CO $137 $191
CT $138 $226
DC $161 $192
DE $203 $232
GA $124 $194
IA $70 $170
ID $68 $120
IL $61 $90
IN $60 $108
KS $116 $192
MD $203 $308
MN $135 $181
MO $97 $189
MS $82 $133
NC $92 $115
ND $80 $103
NE $101 $141
NJ $177 $198
NM $83 $151
NV $187 $268
NY $216 $273
OH $69 $116
OK $102 $140
OR $112 $181
PA $81 $115
RI $229 $396
SC $151 $232
TN $61 $105
TX $68 $127
UT $94 $177
VA $77 $117
WV $79 $165


Want to know exactly what you’ll end up paying? See how Liberty Mutual compares to more than 60 of the country’s top carriers, just enter your ZIP code to get started.

Compare Liberty Mutual against over 60 of the nation’s top carriers

How much can I save with Liberty Mutual?

If you’ve seen any of Liberty Mutual’s TV commercials, you’re likely familiar with its popular Accident Free Discount, but did you know they actually offer nearly two dozen discounts for not just your driving record, but even advanced safety features, insuring multiple vehicles or even for having good grades in school?

Liberty Mutual breaks down its discounts into four separate categories: “You,” “Your Car,” “Your Driving,” and “Your Policy,” so make sure you’re taking advantage of all those that apply to you.

If you’re looking to save the most money possible, check out the full breakdown below:



Homeowner Discount Save money if you own a home
Military Discount Active, Retired or Reserved in the U.S. Armed Forces save on premiums
Early Shopper Discount Sign up for a new policy before your current one expires, and you’ll get an extra discount
Good Student Discount If you or your student have a GPA of B or better, you can save each month
Student-Away-at-School Discount If your son or daughter is away at school and only drives your car when occasionally back home, you can save
Advanced Safety Features Discount If your car has features like anti-lock brakes, adaptive headlights, or electronic stability control, you can pay less each month.
Alternative Energy Discount Drive a hybrid or electric vehicle for extra savings
Anti-Theft Device Discount Anti-theft devices installed on your vehicle can lead to extra money in your pocket
Accident Free Discount If you drive accident free, you’ll find big savings.
Violation Free Discount In addition to accident free driving, if you don’t have traffic violations on your record, you can get even more savings.
RightTrack Enroll in their trademarked RightTrack program to save up to 30%
Multi-Policy Discount Use Liberty Mutual for your other insurance needs to save even more money.
Multi-Car Discount Insure multiple vehicles and save even more.
Preferred Payment Discount Save money by enrolling in automatic payments
Pay-in-Full Discount Get additional discounts by paying your full policy in just one or two payments.
Online Purchase Discount Buy online and save money.
Paperless Policy Discount Save money and the environment by enrolling in paperless billing.


Where does Liberty Mutual offer coverage?

Being one of the largest property & casualty insurance companies in the U.S., Liberty Mutual offers products in all 50 states. They also boast physical offices in 41 states and a free mobile app, making it easy to stay on top of managing your policy. Not all insurance companies can say that.

Is Liberty Mutual right for me?

Now that you have an idea of how much you’ll pay and what discounts you might be eligible for, the only question remains is, “Is Liberty Mutual the right carrier for me?”

Well, whether or not their services are right for you depends on a few factors. If you fall into any of the below categories, Liberty Mutual will likely be a great fit for you and your individual needs:

  • You have a great driving record and are looking to turn that into cheaper premiums each month.
  • You’re looking for an all-in-one insurance company that can provide you with home, life or other insurance policies on top of your auto insurance.
  • You want the peace of mind that comes with Liberty Mutual’s well-known accident forgiveness program.
  • You’re looking for the know-how that comes with being one of the industry’s largest carriers.

If you don’t fall into any of these categories and are looking for a car insurance policy that is better suited to your individual wants and needs, compare quotes from more than 60 of the country’s top providers by simply entering your ZIP code!

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What else does Liberty Mutual offer?

If your insurance needs go beyond just car insurance, Liberty Mutual may be a great fit for you. Not only do they offer one of the largest auto insurance networks in the business, but since they are the third-largest property & casualty insurer in the country, they have options for all sorts of policies, including:

Auto & Vehicle

  • Car
  • Motorcycle
  • Boat & Watercraft
  • Antique & Classic Car
  • ATV & Off-Road Vehicle
  • Recreational Vehicle (RV)
  • Umbrella


Other Insurance

  • Life
  • Accident
  • Critical Illness
  • Identify Theft
  • Pet
  • Tuition
  • Small Business

Liberty Mutual FAQs

  • How do I file a claim with Liberty Mutual?

If you’re a Liberty Mutual customer or were in an accident with one, there are a number of options as far as filing a claim. You can file a claim by phone by calling 1-800-2-CLAIMS, online 24/7 at or in person at your local office.

  • How does Liberty Mutual’s claims process work?

The first step is to actually file your claim, which you can do online, over the phone or in person. Next, a claims adjuster will review the damage and give you an estimate and repairs schedule. Once all of that has been agreed to, you can finalize your claim and get paid the money you’re owed, getting you back on the road.

  • How do I cancel my Liberty Mutual policy?

In order to cancel your policy, you’ll need to speak to a Liberty Mutual customer service representative on the phone by calling 1-800-658-9857.

  • Does Liberty Mutual offer coverage in my state?

Yes, they offers coverage in all 50 states.

  • Does Liberty Mutual have a mobile app?

Yes, they offer a mobile app available for download on both the Google Play and Apple App store. After downloading the app, customers can manage their policy and file and manage claims 24/7. It’s also a great way to carry your insurance ID card everywhere you go.

  • Does Liberty Mutual have Spanish offerings?

Yes, they offer coverage and customer service to Spanish-speaking customers through Liberty Seguros. Simply call 1-844-349-8365 to chat with a Spanish-speaking customer service representative at any time.

Liberty Mutual in the community

One of the areas that separates Liberty Mutual from other companies in the insurance industry is its commitment to giving back to the community. Each year, the Boston-based carrier boasts almost $50 million worth of corporate and employee giving, donating to a variety of community-based causes, such as ones who work for equal justice, homelessness aid, educational programs, first responders, and many more.

For example, Liberty Mutual recently granted $1 million to the Equal Justice Initiative to help fight racial injustice following the tragic killing of George Floyd.

You may know Liberty Mutual from…

Liberty Mutual spokespersons and mascots

Limu Emu & Doug

If you’re like us, you’ve found yourself asking, “Is Limu Emu a real emu?” Some may say he’s absolutely real and others might argue that he’s just CGI, but actually, both are right! Sometimes, Limu Emu is played by a real-life emu in the commercials. Other times, he’s computer generated. So next time you see one of their commercials, keep a close eye out and try to figure out if it’s the real Limu Emu or just a computer-generated clone!

Liberty Mutual on Social Media

Liberty Mutual can be found on many of the popular social media channels, including Facebook, Twitter, Instagram, LinkedIn, YouTube and more.

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