Liberty Mutual Claim Complaints
Regulator data last updated October 24, 2026. Page edited by Ali Ahmad, MyAutoTriage editor.
Short answer
In Texas in 2025, Liberty Mutual's rate of confirmed auto complaints per policy was 1.4 times the average for all auto insurers (53 confirmed complaints). In New York's 2024 ranking, Liberty Mutual's rate of upheld complaints per premium dollar was 2.7 times the average (90 upheld complaints). In California's 2025 report on the 50 largest auto insurers, Liberty Mutual's rate of justified complaints per insured vehicle was 1.8 times the average (13 justified complaints).
Texas 2025
1.40
More complaints than average
53 confirmed complaints, 230,394 auto policies. Average = 1.00.
New York 2024
2.70
More complaints than average
90 upheld complaints on $978 million of premium. Average = 1.00.
California 2025
1.75
More complaints than average
13 justified complaints, 120,614 insured vehicles. Average of the 50 largest insurers = 1.00.
What stands out in Liberty Mutual's numbers
In Texas this page counts 5 companies selling as Liberty Mutual. The largest, Liberty County Mutual Insurance Company, holds 100% of the brand's 230,394 auto policies in force there, so its record drives the score.
"Claim delays" came up in 44% of Texas complaints about Liberty Mutual, against 50% for all Texas auto insurers.
Liberty Mutual's Texas complaint index rose from 0.76 in 2024 to 1.40 in 2025 (24 confirmed complaints, then 53).
In New York's 2024 ranking, the 7 companies selling as Liberty Mutual placed between 25 and 128 of 128 auto insurers (1 = fewest upheld complaints for its premium).
In California's 2025 report, Liberty Mutual's company placed 41 of the 50 largest auto insurers (1 = fewest justified complaints for the vehicles it insures).
What Texas drivers complained about (2025)
In 2025 the Texas Department of Insurance closed 241 auto complaints about Liberty Mutual. The most common reasons:
- Poor claim handling or communication (63% of complaints)
- Claim delays (44% of complaints)
- Low settlement offer (37% of complaints)
- Claim denied (13% of complaints)
- Policy service problems (12% of complaints)
One complaint can list more than one reason. These counts include every complaint TDI closed that year, not only confirmed ones, and count by closing year the way TDI's complaint index does.
Did complaining get people paid?
55% of the 197 claim complaints about Liberty Mutual ended with the claim settled or more money paid, by TDI's record of how each was resolved. For all Texas auto insurers the figure was 58%.
If Liberty Mutual is stalling or lowballing your claim
- Put it in writing. Ask the adjuster by email for the reason for any delay or offer, and the policy language or valuation report behind it.
- Keep a dated record of every call, promise and document. State claim rules set deadlines for acknowledging, deciding and paying claims, and a record shows when they were missed.
- Send a written counter-offer with your own evidence: estimates, comparable cars, receipts.
- If that goes nowhere, file a complaint with your state insurance department. It's free, and the insurer has to answer it in writing.
Companies counted as Liberty Mutual
- Liberty Mutual Fire Insurance Company (TX, NAIC 23035)
- Liberty Mutual Insurance Company (TX, NAIC 23043)
- The First Liberty Insurance Corporation (TX, NAIC 33588)
- LM Insurance Corporation (TX, NAIC 33600)
- Liberty County Mutual Insurance Company (TX, NAIC 19544)
- First Liberty Insurance Corporation (NY, NAIC 33588)
- Liberty Mutual Fire Insurance Company (NY, NAIC 23035)
- LM General Insurance Company (NY, NAIC 36447)
- American States Insurance Company (NY, NAIC 19704)
- SAFECO Insurance Company of Indiana (NY, NAIC 11215)
- LM Insurance Corporation (NY, NAIC 33600)
- Liberty Mutual Insurance Company (NY, NAIC 23043)
- Liberty Mutual Fire Insurance Company (CA)
Frequently asked questions
Does Liberty Mutual have a lot of complaints?
In Texas in 2025, Liberty Mutual's rate of confirmed auto complaints per policy was 1.4 times the average for all auto insurers (53 confirmed complaints). In New York's 2024 ranking, Liberty Mutual's rate of upheld complaints per premium dollar was 2.7 times the average (90 upheld complaints). In California's 2025 report on the 50 largest auto insurers, Liberty Mutual's rate of justified complaints per insured vehicle was 1.8 times the average (13 justified complaints).
What does a complaint index of 1.00 mean?
1.00 is the average for all auto insurers in that state, adjusted for size. A score of 0.50 means half as many complaints as expected for the company's size; 2.00 means twice as many. Liberty Mutual's Texas score of 1.40 means 1.4 times the average.
Sources
- Texas Department of Insurance, Complaint indexes and policy counts for insurance companies (2025, automobile)
- Texas Department of Insurance, Insurance complaints: All data
- New York Department of Financial Services, Automobile Insurance Company Complaint Rankings (filing year 2024)
- California Department of Insurance, Automobile Complaint Composite Report (complaint year 2025)
- NAIC, How to file a complaint with your state insurance department
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