Liberty Mutual’s full coverage auto insurance typically includes collision coverage, comprehensive coverage, and your state’s minimum insurance requirements. This company allows you to pick and choose the coverages best suited for your individual situation, but the rates may be too high if you don’t qualify for discounts.
Selecting a car insurance
plan can be stressful, especially when you have to choose whether you want full coverage, liability only, or something called MedPay. If you’re working from a tight budget, you may only wish to stick to your state’s required minimum liability insurance—but that can leave you at risk for unmanageable remediation payments if you get into an accident later. Most insurance companies, like Liberty Mutual, offer full coverage insurance policies that go beyond basic liability to include coverage for collisions, vandalism, natural disasters, and more. If Liberty Mutual is on your potential-insurer radar and you’re mulling over your coverage options, we’ve got the details of their full coverage selection here.
4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars4.7/5 app rating | Trusted by 5M+ drivers What does Liberty Mutual full coverage insurance cover?
Before we get any further, it’s important for us to establish that “full coverage” car insurance
is not actually an official type of car insurance. Instead, “full coverage” is a blanket term used within the insurance industry to refer to an insurance policy that generally includes at least three types of coverage: Liability insurance:
This type of insurance is usually the minimum required insurance in every state and will pay for vehicle repairs and medical bills for the other driver. Collision insurance:
Liberty Mutual’s collision coverage covers the cost of your vehicle damages in the event of an accident with another vehicle or stationary object. Comprehensive insurance:
Comprehensive coverage with Liberty Mutual helps fund the repair costs from events and accidents that are out of your control like natural disasters, vandalism, or theft.
Liberty Mutual doesn’t have a standard full coverage policy, though, because the company allows you to tailor your policy to your needs. That includes your state’s minimum insurance requirements and any specific coverage you feel you may need. But on average, full coverage insurance from Liberty Mutual includes some kind of basic liability insurance, collision insurance, and comprehensive insurance.
Does full coverage really cover everything?
No, full coverage insurance does not really cover everything. The whole thing can sound a bit deceiving, we know, but the term “full coverage” is actually only used as a signifier for “more than liability.”
Liability-only insurance covers just the damages to the other party involved in an accident and does nothing to help you cover your own vehicle or medical bills. Full coverage insurance will allow you to make insurance claims for your end of the damages, so it’s usually the recommended insurance option—and is generally required for leased or financed vehicles.
Liberty Mutual has a ton of coverage options you can choose from to make up your full coverage insurance policy. While it’s typically best to make sure you at least have liability, collision, and comprehensive coverage, consider some of the following coverage add-ons to maximize your protection.
Other types of Liberty Mutual auto insurance coverage
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| Liberty Mutual’s uninsured/underinsured motorist coverage helps pay for damages to your car and you and your passengers’ medical bills if a driver without or with insufficient insurance hits you. |
| Also known as MedPay, medical payments coverage pays for you and your passengers’ medical bills resulting from an accident, no matter who was at fault. |
| Accident forgiveness with Liberty Mutual will prevent your rates from going up after your first car accident, but in order to qualify for it, you’ll need to have been accident and traffic violation free for the previous consecutive five years. |
| This Liberty Mutual coverage add-on may be a great option for drivers who just purchased a new vehicle. For the first year of ownership or the first 15,000 miles, this coverage will provide the money to replace your make and model of vehicle if the car is totaled or stolen. |
| Towing and labor coverage through Liberty Mutual provides 24-hour roadside assistance for things like towing, battery jump starts, emergency fuel deliveries, flat tires, and unlocking doors. |
| Liberty Mutual has a specialized car insurance policy for teachers. This insurance covers the cost of replacement school-owned property or teaching materials for up to $2,500 if they were stolen from or damaged in your vehicle. It also provides additional coverage for vehicles sustaining damage or vandalism while parked on school property or at a school event, or vehicles in an accident while driving on school-related business. |
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Is full coverage car insurance from Liberty Mutual worth it?
Whether or not full coverage car insurance from Liberty Mutual is worth it depends on your driver profile and financial details. If you’re financing or leasing a vehicle, for example, chances are your lender will require full coverage insurance regardless of your desire for it.
While full coverage insurance isn’t required by any state, it is usually worth considering to avoid unmanageable costs should you get into an accident or have your vehicle stolen or vandalized.
That being said, you generally don’t want to pay more for your insurance than your car is worth in the first place, so if your vehicle is only worth a couple thousand dollars, you may wish to stick with lower coverages.
Benefits of full coverage Liberty Mutual car insurance
Liberty Mutual’s full coverage car insurance can be extremely beneficial for the right person. The company offers tons of discount options, including
Alternative energy discounts
Advanced safety features discounts
And more. If you qualify for one or more of these discounts, your full coverage premiums can be drastically reduced. Liberty Mutual also uses an easy-to-use online portal (though, perhaps not as easy as the Jerry
app) that allows you to get an accurate insurance quote in less than 10 minutes. Securing full coverage insurance from Liberty Mutual will give you peace of mind on the road, especially if you live in an area with high crime, high potential for dangerous weather, or poor road conditions.
Drawbacks to full coverage Liberty Mutual car insurance
Of course, there are also drawbacks to full coverage car insurance.
You’ll always pay more for a full coverage insurance policy than you would with liability-only. Having a beefier insurance policy also makes your premiums increase after you make a claim, and you’ll be responsible for paying a deductible before your coverage kicks in.
Does Liberty Mutual have the best full coverage auto insurance?
Nothing about Liberty Mutual’s full coverage auto insurance is significantly better than its competitors, but it could be a great option for the right person.
In general, Liberty Mutual offers a wide variety of coverage options that you can pick and choose from to create your ideal insurance policy. And anyone who qualifies for one or more discounts could build their own policy at a reasonable rate. Anyone who does not qualify for discounts, however, may wish to steer clear.
Liberty Mutual rates tend to be more expensive than other insurers. Now, your own details, including where you live, your driving history, the year, make, and model of your car, and your age will have something to say about your final price too. But unless you can stack a few discounts, you’ll likely be paying more for full coverage than you would be with other companies like State Farm or Travelers.
Another tick in Liberty Mutual’s disfavor is their generally below-average-rated customer service. There are many complaints about the relationship between customer service representatives and the company’s subscribers when dealing with any issue in person or on the phone.
If you happen to be one of the folks out there who prefer to do all your dealings online, however, you may find Liberty Mutual satisfactory. Their app is well-rated and considered easy to use, so the tech-savvy of you may be happy working through the online portal.
Ultimately, car insurance policy needs can be quite individual and what one company refuses to give you, another may give easily. The best way to select your policy will be to compare quotes from three to five insurance companies and decide which one best fits your needs.
The bottom line
Liberty Mutual has many coverage options and discounts available that can make buying full coverage car insurance a breeze for the right person. However, it can get expensive if you don’t qualify for any discounts. Regardless of whether you go for a Liberty Mutual policy or a policy from another insurance company, full coverage car insurance is typically worth paying more for so you’re not stuck paying outrageous amounts after an accident.
"After I bought my new car, the insurance companies tried charging me $315/month. Jerry
, on the other hand, found me full coverage for only $220/month. Thank you!” —Mari E.
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