Liberty Mutual auto insurance review 2026
A top-five insurer with the third-best claims score in this review — and no published rate data at all, which makes it uniquely hard to compare on price.
- Market share
- 3.3% of U.S. auto
- AM Best rating
- A
- Availability
- 45 states and D.C. — not available in Alaska, California, North Dakota, South Dakota or Wyoming
A national average is not a quote. Compare Liberty Mutual against 50+ insurers on your own ZIP, vehicle, and record.
How Liberty Mutual scores
Each category is scored against a published figure, then weighted into the overall score. Where a figure is not published, we say so rather than estimate one.
Sources: average premiums from NerdWallet's August 2026 rate analysis (Quadrant Information Services), for a 35-year-old driver with a clean record and good credit in a 2023 Toyota Camry LE at 12,000 miles a year, 100/300/50 limits with $1,000 deductibles — national average $2,356. Claims satisfaction from the J.D. Power 2025 U.S. Auto Claims Satisfaction Study (segment average 700). Complaint record from NerdWallet's analysis of NAIC complaint data, 2022–2024. Financial strength from AM Best. Discounts and app data from each carrier's published pages and the Apple App Store / Google Play, retrieved August 2026. Updated August 2026.
Strengths and trade-offs
What Liberty Mutual does well
- Third-highest claims satisfaction score in this review, 30 points above the segment average
- RightTrack offers both a 90-day and a continuous monitoring option
- Better Car Replacement upgrades a totaled car to a newer model year
- Twelve published discounts including military, homeowner and early shopper
- Available in 45 states and D.C.
Where it falls short
- Publishes no rate data, so you cannot compare its pricing against anyone without getting a quote
- Draws more complaints than expected for its size
- AM Best A, lower than eight other carriers in this review
- The online customization discount is unavailable in nine states including California and New York
The full review
Liberty Mutual is the seventh-largest private passenger auto insurer in the U.S. on 2024 premiums, writing in 45 states and D.C. — not Alaska, California, North Dakota, South Dakota or Wyoming. It is also the only carrier in this review whose price we cannot report, because it does not release rate data to the studies that compile such things.
The missing price
NerdWallet states it plainly: 'Although it's one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.' Insure.com says the same thing independently. There are figures circulating for Liberty Mutual on aggregator sites, but they trace back to low-authority sources and appear reverse-engineered from national averages rather than sourced from rate filings. We have not published one, and we would treat any site that does with suspicion.
You cannot rank Liberty Mutual on price against Geico or State Farm before contacting it. The comparison simply is not available.
That does not make it expensive — it makes it unknown. The only way to find out is to run a quote, which is worth doing precisely because you cannot shortcut it.
How claims go
730 out of 1,000 in J.D. Power's 2025 claims study — third overall, behind only Erie and NJM, and 30 points above the segment average. That is better than State Farm, better than Geico, and 57 points better than Progressive. It is the strongest argument for the company.
The complaint record works against it
Liberty Mutual draws more complaints than its size predicts, on 2022 analysis of 2021–2023 NAIC data — a slightly older window than the 2022–2024 data used for most carriers here, so treat the comparison as directional. Combined with an AM Best rating of A rather than A+ or A++, the picture is of a company that handles claims well when it handles them, but generates more friction along the way than its claims score alone suggests.
Coverage and RightTrack
Better Car Replacement is the distinctive feature — a total loss is replaced with a car one model year newer and 15,000 fewer miles, rather than a depreciated cash payout. RightTrack is app-based and offered in two forms: a 90-day monitoring period that fixes your score for the life of the policy, or continuous monitoring updated at each renewal. Liberty Mutual publishes up to 30% for safe driving and 10–15% just for enrolling.
Liberty Mutual's claims score is genuinely strong — third in this review, and better than every carrier larger than it. Its complaint record is not, and the absence of any public rate data means you cannot know whether it is competitive for you without asking. That opacity is itself worth factoring in: every other major carrier here can be price-checked before you engage.
We only publish a composite score when enough of it rests on published figures — at least 70% of the scoring weight, including price. Liberty Mutual falls below that: one of our six categories has no published figure (price). Averaging whatever is left would produce a confident-looking number built mostly on the categories that need no third-party study, and a carrier scored that way can easily outrank one we actually measured. The individual categories above are real; the missing ones are simply missing.
Compare Liberty Mutual head-to-head
Every pairing gets its own side-by-side breakdown across the same six categories.
Liberty Mutual questions, answered
The things people actually ask before switching.
Liberty Mutual by state
Liberty Mutual writes in 45 states. If yours is not listed, it is not an option there at any price.
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