Insured by Liberty since 2007. For auto we had no accidents, and rates kept increasing substantially each year. Last year it was $5,400 with another increase expected in November. We switched to USAA and now pay $2,200 for slightly better coverage. Just tired of the increases with Liberty and I was lazy changing even though I knew that we were being gouged. This however wasn't the reason that we needed to switch. They upped our homeowners policy from $5,000 to $10,000 in ONE YEAR even with a $2,500 deductible. That was the breaking point for me. Switched that to USAA too and rate dropped to $2,800. Our deductible went up to $13,300, but at $2,500 it was useless anyway. I'm much happier with just catastrophic coverage. We also had to give up earthquake coverage and hail coverage. What has happened to insurance???? read more

Likely a waste of time writing a review for a large insurance company that doesn't care what I think, but nonetheless, Liberty Mutual is horrible! Year one - competitive rates, no problems. Year two - rate jumped 75% for no rhyme or reason and trying to contact someone to discuss this increase was impossible. Guess someone has to pay for that goofy dude and his emu! I went back to my old insurance company, Erie. read more

On December 19th, 2024, I was in a car accident that was not my fault another driver made a left directly in front of me and even though I slammed on my brakes I still hit the other vehicle. The accident itself is not the problem the problem is the way my car insurance has treated me. First on the 30th of December I was told the car would be repaired. On January 13th, 2025, I called the repair shop to see how my car was coming along only to find out it was declared totaled. At that point I contacted my claims rep Yolanda Gentsy and she verified it was being totaled. My car was a jeep liberty arctic edition with 84,000 miles in mint condition with a lifetime Mopar bumper to bumper warranty that you cannot get anymore and was the worst part of the loss. There were only 1130 of these made in the US so comparables are difficult to find. From this point on I have been lied to repeatedly by my claims rep, told to expect phone calls that never came and given super low comparables to my vehicle in an attempt to get me to settle for a much lower amount then my cars actual value. The first comps they used were jeep sport and latitude models with them showing as 19 comparables with only 1 arctic edition used. This continued several times over and over and over they were using lesser models that in no way were comparables. I then went on carguru and autotrader and found actual jeep liberty arctic editions with similar mileage and no reported accidents. These comparables brought my estimated value over $12,500.00 but they were still using models that were not similar and again over and over they were coming in at a value of $8,800.00. On the jeep liberty line, it goes with the base model sport, then the mid-level latitude, then the high level limited with the highest level being the special editions like my car. Finally, I got them to use only jeep liberty arctic editions as comps and supplied them with 9 I found online that were under 100k miles with no accidents and the same options. Instead of using the comps I found at this point they found 3 comparables which 1 was a comparable I sent them. Of course, when I looked online at the comps they were using 2 of the 3 had accidents reported and even in the pictures you could see visible damage. I asked them to use the comps online I found, and they refused to use my comps stating they were too far away, so I adjusted my search and provided them with the 1 comp they already used that did not have any accidents and 2 others bringing the value of my car to again over $12,500.00 but they still only came up to $9,000.00 even though these comps I provided were in the same area they were using but unlike their comps that were low priced and had obvious damage, accidents reported and missing options they still refused to adjust the value. This is now February 10th and I'm without a car once they decided to total the vehicle the free rental ended on Jan 21st, and I cannot buy a new car until I settle the claim on this one. I went as far as requesting to speak with my claims rep's supervisor Richard Buydos and though he claimed he would help me and look into my problems with my rep he has done nothing except refuse to return emails or calls. It seems like they are deliberately trying to wait me out by not returning emails or calls knowing I have no transportation. I simply want what's fair and that is the exact opposite I have received from Liberty Mutual. I cannot believe the extent this company has gone to to wear me down and for lack of better words jerk me around with this claim thinking I will just give in so I don't have to deal with them anymore. A fair resolution would be for them to use actual comparables like they are supposed to do. Using lesser models, cars with reported accidents, cars with visible damage, etc etc is not how this system is supposed to work. I did the same thing they do and checked carguru.com and autotrader.com and set searches for vehicles with similar mileage and condition as my car. It is not easy to find these cars because they were so limited when they were sold but I was able to find the comparables needed but they refuse to work with me. I expect them to use these comparables and bring the totaled value of my vehicle to a fair value. Worse I have been asking why I'm still covering a vehicle that was totaled and would like to get the money back I paid for the insurance. I paid for my coverage in full last summer and expect a refund for the car since it has been totaled but since they refuse to answer emails or phone calls I have no idea if I'm going to get that money I paid back. read more

They added a random person unrelated to me to my auto insurance policy without my permission! And given that the person is a 20 year old male, they jacked up my rate to half of what the car is worth. I am canceling my policy and changing to Erie. read more

1st person was helpful on the phone but after that I could not find one that was helpful. Phone was disconnected on their end, or they claimed there is connection problem. It was not easy to deal with the employees. read more

This is the worst most dishonest insurance company I have ever worked with. I was told I would pay $100 for car and rental coverage. I received a bill for $200. When I called I was told I had to sign a paper to opt into just liability insurance. I was told I had full coverage. Yesterday I was rear ended in a hit and run. Today I am told my $200 full coverage covers nothing. I only have liability insurance. This company and it's employees are liars and scum. I will never do business with them again. read more

This is the worst company ever!!!! My neighbor hit my car while it was parked put a big dent in the hood... The adjuster does not answer phone calls or return them. They do not work on the weekends and they gave me a standard rental when my car is a 7 passenger vehicle.... read more

There is an adjuster named RYAN RODRIGUEZ at Liberty Mutual and this is the worst that can happen to you. He would do absolutely nothing to help the consumer. My daughter had a car accident and apparently she had no equity. While working on trying to get the car back in order to fix it for a lower cost, RYAN RODRIGUEZ made us believe that we were still in negotiation but all along, he had already sent a check to the bank without my consent or signature from my daughter. Lying lying and lying, that is all RYAAN RIDRIGUEZ did. If you have the misfortune of being assigned someone named RYAN RODRIGUEZ, please be very careful and put everything in writing. Don't speak on the phone because he will lie about what he said. This is the worst experience ever. There is no perfect insurance company but avoid LIBERTY MUTUAL at all cost. read more

I've been with them for three years each year my rates have gone up but this last year almost went up double ! Mind you I've had a clean driving record never had to use them for any issues over the entire course of my plan . They aren't offering you anything extra in fact possible trying to charge you double and give you half the coverage features. Not great business in my opinion I'd search for other options read more

I had a homeowners policy with them 4 years because they were partnered with Geico. The rates jumped up over $700.00 in fall of 2021 so I chose not to renew. Happy with Geico for multipolicy discount I went with Travelers another sister company. Liberty Mutual was paid in full via ACH monthly debits from the bank. I paid for my renewal with Travelers and LM continued to stalk me even though I sent them all my bank statements as proof. THEN they turned me over to a collection agency and tried to destroy my perfect credit score. I am in a second dispute with them on the BBB only to find multiple and similar complaints. read more

Never been in an accident, gotten a ticket, been late on a payment or had a major claim in over 50 years, yet LIBERTY MUTUAL wanted over $3,000.00 for insurance on a 10 year old car with low mileage. After calling them they said the best they could do was $200.00 off. No thanks. Five other insurance companies, using Liberty Mutuals deck sheet, quoted prices ALL under$1000.00. Buyers beware. This company will rip you off! read more

Yes they are inexpensive but like the proverb says you get what you pay for. They jumped the rates after the first year even though I had no claims. I had an accident and they pay way under the value for even after market parts. So besides my deductible I had to pay hundreds extra to get after market part. Then we discovered more damage to my car due to the accident and they will not pay for it. read more

The rates keep going up every year. I got my renewal for my auto insurance it went up from 1604 to 1774 a year. I quoted the same coverages on the liberty mutual website it came out to 1515 a year i should be getting the same price on the website for the same coverages. read more

I feel as though they pulled a bait and switch on me. I called and was quoted a price of $88.08. I was very pleased and proceeded to ask questions just to make sure it was accurate. It was a "special discount price" that was good for at least a year. Well after 8 weeks (2 payments) I then notice my price shoot up. It wasn't a whole lot maybe $10 but it's the principal. I also got a letter stating that because I failed to complete the program that I didn't qualify for the discount. I called and asked why and what this was. I was told that the price was contingent on me completing something similar to progressives snapshot. I would have to drive around with this thing plugged into my car monitoring my driving to get the discount. I explained that none of this was disclosed when I signed up and was asking questions nor did I get anything in the mail about it let alone the actual device. The person on the phone could care less. I was mailed the device about 10 days later and tried to install it. Well I found out that apparently my car wasn't compatible with it or at least that's what the guy at Auto Zone said. (That's where they told me to go to have it put in). I called and explained this to them and was told to send it back. Even though it wasn't my fault I was still forced to pay the extra $10 a month. BAIT AND SWITCH. I am not happy with them. read more

Liberty Mutual decided to cancel my insurance on me because I have 3 surchargeable events on my record, even though one of them wasn't actually my fault and the particular event is already being removed from my record. They have no appeal or dispute process for this -- once they have made the decision, there's nothing you can do. I have a receipt proving that the incident is no longer being considered by the state, but they are very robotic and just keep repeating themselves over and over again. There is no human touch and this company's employees sound like they are soulless. I highly recommend going with one of the other 500+ insurance companies available nation-wide. Honestly, they are a dime a dozen and Liberty Mutual is in no way, shape, or form, anything special. Don't give them your money. read more

stay away from this insurance. they will take your money but will not pay a claim. i wish i could have done a half star.

Liberty Mutual is not to be trusted. They doubled my insurance and when I closed my account with them they sent a fraudulent bill to collections. When I got switched from Prudentual "not at my request" to Liberty Mutual, I recieved a notice they would not raise my rates. I guess it was my falt for having automatic bank payments, because they more then doubled the cost of my insurance on the first payment, it went on for a while befor I noticed. When I did see I called and closed my account. Insted of closing my account they made a fraudulent contract with lower payments and took anouther regular bank payment for the comming month. When the bank got it back for me they charged me $25 return payment fee and sent a fraudulent claim to a collection agincy, deliberitly damaging my exelint credit. I have a contract to proove I owed nothing but they have friends in high places. BBB, Surgen General, PA Dept. of Insurance, and a Magistrate Judge sided with there letter of explination over my Contract evidence. If they get you, you will have a long fight, no one is going to help you. I have filed an appeal but they are dodging the Court Summens. To see the actual documents for yourself go to http://livinglive.tripod.com/ I sugest not dealing with them in the first place and if you are with them, good luck! read more