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Average car insurance cost with Liberty Mutual

#6 cheapest of the 6 largest insurers

$186/mo Full coverage, monthly average $2,232/year
$82/mo Minimum coverage, monthly average $984/year
24% above vs. the big-six average Big-six avg: $150/mo full coverage
These are estimates, not quotes. Figures are 2026 average monthly premiums published by AutoInsurance.org in “Cheapest Full Coverage Auto Insurance in 2026.” Your actual Liberty Mutual rate depends on your state, age, driving record, credit, vehicle, coverage limits, and ZIP code. Different studies use different driver profiles, so averages vary by source — treat these as a rough benchmark, then see what real people pay.

What Liberty Mutual customers pay on average

Coverage levelMonthly (average)Yearly
Full coverage$186$2,232
Minimum coverage$82$984
Big-six average, full coverage$150$1,800

About Liberty Mutual

Liberty Mutual sells auto insurance directly and through agents, and pushes hard on home and auto bundling. Its RightTrack program offers a discount for app-monitored driving during a trial period.

Why your Liberty Mutual rate may differ

An average hides a wide spread. The same insurer can quote two similar drivers hundreds of dollars apart because each company weights the rating factors differently: your state and ZIP code, driving record, credit-based insurance score, vehicle, annual mileage, and the deductibles and limits you pick. That spread is exactly why comparing your own quote against what other Liberty Mutual customers pay is more useful than any national average.

Paying well above $186/month for full coverage with Liberty Mutual on a clean record? The crowd would probably call that overpaying — compare real quotes.

Recent quotes from Liberty Mutual customers

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