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Choosing a car insurance provider can be challenging. If you're considering Liberty Mutual, reviewing its rates carefully will help you determine if it's the right fit. However, we recommend gathering quotes from several providers to ensure you're getting the best value when you want to save money on your car insurance.
Liberty Mutual car insurance pricing per month
Full-coverage car insurance from Liberty Mutual costs an average of $228 per month. Drivers who choose minimum liability-only coverage pay an average of $166.
Keep in mind these are average prices. Your individual rate will vary depending on factors like age, location, credit score, and driving history. While your actual Liberty Mutual rate may be different, these averages provide a useful benchmark when evaluating providers.
| Liberty Mutual average monthly cost | National average monthly cost | |
| Full coverage | $228 | $186 |
| Liability-only | $166 | $104 |
Liberty Mutual's rates versus other car insurance providers
Each company evaluates risk and applies discounts differently, which can affect pricing. Comparing quotes is worthwhile to determine how Liberty Mutual measures up for your particular situation.
| Provider | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $115 | $58 |
| Progressive | $182 | $106 |
| GEICO | $146 | $95 |
| Allstate | $146 | $77 |
| USAA | $104 | $54 |
| Liberty Mutual | $228 | $166 |
Liberty Mutual's rates by age
Age plays a major role in Liberty Mutual's pricing strategy, as it does with most insurers. Car insurance for teen drivers carries the highest cost, with full-coverage premiums averaging around $391 per month.
Rates typically decrease as you enter your 20s, with Liberty Mutual averaging $275. The decline continues through your 30s at an average of $247 and your 40s at $252.
Some of the most competitive rates are available to drivers in their 50s and 60s, with averages around $225 and $185 per month, respectively.
Premiums can increase again in your 70s, averaging approximately $177 per month. These patterns illustrate how insurers evaluate risk across different life stages.
| Age group | Liberty Mutual average monthly full coverage cost | National average monthly cost |
| Teens | $391 | $360 |
| 20s | $275 | $243 |
| 30s | $247 | $199 |
| 40s | $252 | $191 |
| 50s | $225 | $177 |
| 60s | $185 | $159 |
| 70s | $177 | $163 |
Liberty Mutual's rates for high-risk drivers
A record of traffic violations or accidents will typically result in higher Liberty Mutual rates. High-risk drivers with a speeding ticket average $291 per month, while an at-fault accident leads to monthly rates around $302.
Drivers with a DUI face significantly higher premiums, averaging approximately $333 per month. These are standard rates for high-risk drivers, though your exact cost will depend on when the incident occurred and other individual rating factors.
| Driving record | Liberty Mutual average monthly full coverage cost | National average monthly cost |
| Accident | $302 | $247 |
| Speeding ticket | $291 | $238 |
| DUI | $333 | $272 |
How does your credit score affect your rate with Liberty Mutual?
Your credit score factors into insurance rates in all but four states. The exceptions are California, Hawaii, Massachusetts, and Michigan.
Where credit scoring is permitted, Liberty Mutual adjusts premiums according to your credit tier. Excellent credit earns an average rate of $168 per month, while good credit results in slightly elevated rates near $219.
Monthly premiums for average credit hover around $256, and poor credit leads to costs closer to $263 per month on average.
These figures demonstrate credit's impact on monthly premiums, though your final rate will also reflect other personal circumstances.
| Credit score | Liberty Mutual average monthly cost of full coverage | National average monthly cost |
| Excellent | $168 | $164 |
| Good | $219 | $179 |
| Average | $256 | $194 |
| Poor | $263 | $227 |
FAQs
What coverage options make Liberty Mutual different from other insurers?
Liberty Mutual distinguishes itself with specialized coverage options that many competitors don't offer, including Better Car Replacement which pays for a newer model if your car is totaled, and a unique Deductible Fund program where you contribute $30 annually and Liberty Mutual adds $70 to reduce your collision deductible over time. The company also provides teacher-specific auto insurance, along with Mexico Car Insurance for travelers driving across the border.
What does Liberty Mutual's RightTrack program do?
Liberty Mutual's RightTrack is a usage-based insurance program that monitors your driving habits through a mobile app or plug-in device for 90 days, tracking behaviors like acceleration, braking, and nighttime driving. Safe drivers can earn discounts up to 30%, and you'll receive an initial discount just for enrolling. Unlike some competitors' telematics programs, RightTrack will never increase your premium based on poor driving performance, though you might not receive a discount if your driving habits don't meet their safety standards.
Does Liberty Mutual offer accident forgiveness?
Liberty Mutual offers Accident Forgiveness as an optional add-on for drivers who maintain five years of accident-free driving across all listed drivers on the policy. Once enrolled, your first at-fault accident won't trigger a rate increase, providing protection against premium hikes that typically follow claims. This coverage isn't available in California due to state regulations, and eligibility requirements may vary by state, so you'll want to confirm availability and specific terms when getting a quote.
Bottom line
Is Liberty Mutual the right car insurance company for you? The best way to find out is to get quotes from this company as well as others and compare them based on price and service.
Data throughout provided by Insurify.
Average rate:
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