Liberty Mutual Auto Insurance Review

Customizable coverage with new car replacement and accident forgiveness built in. Independent Liberty Mutual Auto Insurance review: 4.5/5 for auto insurance.

By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked September 7, 2026.

Our verdict

New car replacement is Liberty Mutual's main draw, but it only applies to vehicles under 1 year old. Accident forgiveness comes included in many states, and repairs at approved shops carry a lifetime guarantee. Base rates run higher than GEICO and Progressive, and customer service reviews are mixed, which holds the grade down.

Skip it if your car is more than a year old and price matters most.

About Liberty Mutual Auto Insurance

Customizable coverage with new car replacement and accident forgiveness built in. Liberty Mutual Auto Insurance is offered by Liberty Mutual. Our editorial rating is 4.5 out of 5.

Best for: New car owners wanting replacement coverage.

Editorial grade: B+ (composite score 82/100).

Highlights

New car replacement for totaled vehicles under 1 year
Accident forgiveness included in many states
Lifetime repair guarantee at approved shops

What we like

Generous coverage add-ons at reasonable cost
Strong new-car and gap coverage options
Good bundling discounts

Where it falls short

Base rates higher than GEICO/Progressive
Mixed customer service reviews

Fees, minimums, and rates

Monthly fee: Varies by coverage. Minimum to open: N/A. Rates and fees last checked on September 7, 2026.

How we reviewed it

This is a desk review: we have not opened an account with Liberty Mutual. It is built from Liberty Mutual's published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Auto Insurance shortlist. The rubric is the same for every brand.

Similar products to compare

Read our full editorial methodology for how we review products.