Liberty Mutual Auto Insurance 2025: Liberty Mutual is the sixth-largest car insurance company in the U.S. by market share The company is more than 100 years old, and sells multiple types of insurance, including auto. It operates in 29 countries and 50,000 employees.
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Liberty Mutual Auto Insurance 2025 Mutual Fund
- Liberty Mutual has since grown to be one of the biggest property and casualty insurance companies in the world.
- It offers a wide variety of insurance products.*Founded in 1912, Liberty Mutual is based in Boston.
- It offers a wide variety of insurance products.
How does Liberty Mutual Auto Insurance 2025 Work?
Liberty Mutual operates by charging policyholders a monthly premium for coverage. If your car needs repairs or replacement following an accident, the company will take care of covered costs once you’ve paid your deductible.
Liberty Mutual, like other insurers, assess risk based on a variety of individual rating factors. Common factors include age, gender, motor vehicle record, claims history, credit history, occupation, vehicle make and model, and miles drive per year. Higher risk drivers pay more than lower risk drivers.
Liberty Mutual Auto Insurance Coverage
Liberty Mutual offers different types of coverage and allows you to customize your policy from a variety of choices and add-ons so you only pay for what you use.ComprehensiveThis type of car insurance covers damage from non-collision incidents, including theft, vandalism, fire, hail, floods, falling objects, and cracked windshields.
You might be required to purchase this coverage if you have an auto loan or lease. If you purchase comprehensive insurance, you’ll have a deductible to meet before coverage starts paying for a covered event.
Liberty Mutual Auto Insurance 2025: Liability And Collision
Liability: most states require liability coverage, which covers costs when you cause bodily injury or damage to others’ property with your vehicle. It covers the medical payments and other costs if you hurt someone else with your car. Liability coverage isn’t subject to a deductible.
Collision: Collision pays for repairs to your vehicle, or if it’s totaled, the actual cash value, regardless of who caused the accident. It also covers car damage when you run into an object, such as a tree or guardrail, rollover accidents, and pothole damage. Collision insurance protects you no matter what type of accident you have.
As your car declines in value, the cost of collision coverage, including the deductible, may outweigh the benefits of the coverage. Personal injury Protection if you’re injured in an accident — no matter who’s at fault — Liberty Mutual will help cover your hospital and medical bills, as well as rehabilitation costs, lost income, and more if you have this coverage.
Liberty Mutual Auto Insurance 2025 Price Table
| State Name | Full Coverage ($) | Liability Only ($) |
|---|---|---|
| Ohio | 186 | 114 |
| North Carolina | 188 | 67 |
| Pennsylvania | 224 | 179 |
| Virginia | 236 | 167 |
| Tennessee | 238 | 134 |
| Arizona | 251 | 177 |
| Illinois | 275 | 156 |
| Georgia | 278 | 153 |
| New York | 316 | 155 |
| Texas | 335 | 233 |
Uninsured/underinsured Motorist this coverage will provide you with money to pay medical bills and help you cover the cost to repair or replace your car if an uninsured motorist causes an accident.Rental car Reimbursement if vehicle damage from an accident temporarily prevents you from driving your car, this coverage allows you to use a rental car, up to the selected daily limit of your policy.
Accident Forgiveness liberty Mutual offers additional coverage that protects you from seeing an increase in your premium after your first at-fault accident. If you don’t have this type of coverage, your rates will rise upon policy renewal after an at-fault accident. To be eligible for this type of coverage, your driving record needs to have been free of accidents and violations for the last 5 years.
Bhakti Rawat is a Founder & Writer of InsureMyCar360.com. This site Provides You with Information Related To the Best Auto Insurance Updates & comparisons. 🔗