-
Gather the basics before you start a quote
Have each driver’s license number, the vehicle identification number (VIN), and your garaging ZIP code ready; Liberty Mutual’s quote form says these are the only essentials for an accurate same-day rate.
-
Get your personalized rate online, by phone, or with an agent
Go to libertymutual.com/vehicle, click “Start your quote,” call the listed sales line, or ask a licensed Liberty Mutual agent—the company offers identical pricing across all three channels.
-
Customize coverages and apply discounts in real time
Adjust liability limits, add collision or comprehensive, and toggle extras like accident forgiveness; the quote tool instantly updates your premium and highlights available savings such as multi-policy or telematics discounts.
-
Lock in the policy with your first payment
Review the final price, pick a pay-in-full or monthly plan, and submit at least the first installment—Liberty Mutual notes that paying online activates same-day coverage.
-
Download digital ID cards and manage your policy 24/7
Proof of insurance appears instantly in the Liberty Mutual app and online dashboard, where you can pay bills, file claims, or adjust coverages whenever you like.
Full review of Liberty Mutual Auto Insurance: Big Perks, Big Price Tag
At a Glance
| Metric | Farmers | Industry Avg. | Why It Matters |
|---|---|---|---|
| AM Best rating | A (Excellent) | A- | Financial strength to pay claims |
| 2025 market share | 3.76 % (6th) | — | National reach, stable carrier |
| NAIC complaint index (2023) | < 1.00 | 1.00 | Fewer complaints than expected |
| J.D. Power 2024 (Claims) | 8 / 21 | — | Above-average satisfaction |
| Avg. full-coverage premium | $3,283–$3,858 | ≈ $2,700 | 22–67 % higher |
Coverage Basics & Key Add-Ons
Standard coverage: liability, collision, comprehensive, medical payments, uninsured/underinsured motorist.
Optional Perks
| Add-on | What It Does |
|---|---|
| New Car Replacement | Replaces a totaled car ≤ 2 yrs/24k miles with new model |
| Accident Forgiveness | One at-fault crash waived every 3 policy years |
| Residual Debt (quasi-GAP) | Pays up to +25% of ACV toward loan/lease balance |
| OEM Parts Guarantee | Repairs with original manufacturer parts |
| Diminishing Deductible | –$50 per 6 months claim-free (max –$500) |
| Loss of Use Cash | Daily payout while the car is being fixed |
| Rideshare Endorsement | Extends coverage during Uber/Lyft “app-on” time |
| 24/7 Roadside | Access to 20,000 tow trucks and 10,000 locksmiths |
Telematics: Signal®
- 5% instant discount after 10 trips, up to 30% at renewal
- CrashAssist auto-detects accidents
- Poor driving can erase discounts or raise rates where allowed
What It Costs—and How to Cut It
Average full coverage runs $3,300–$3,900 a year—20–60% more than Geico, Progressive, or State Farm. To reduce costs:
- Bundle home or renters insurance (15–20% off)
- Insure multiple vehicles
- Qualify for good-student, military, anti-theft, or paperless discounts
- Earn high Signal scores or drive less
Claims & Digital Tools
File claims 24/7 via app, web, or 800-435-7764. You can choose any repair shop or use Farmers’ certified network, featuring a lifetime workmanship guarantee. Track claims in real time and receive payments via direct deposit. Average first contact within 48 hours; typical claim resolution within 7–10 days (company data).
Strengths
- Customizable options like OEM parts, loss-of-use cash, and diminishing deductibles
- Up to 30% telematics savings with included crash detection
- Fewer regulator complaints than peers
- Strong claims satisfaction and an A-rated financial footing
Limitations
- Premiums remain high even after discounts
- Not available in AK, DE, FL, HI, ME, NH, RI, VT, WV, or D.C. (available in 42 states)
- Residual Debt coverage maxes at 25% over ACV; no full GAP offered
- Poor driving performance can reduce or eliminate telematics savings
Who Benefits Most
- Low-mileage or defensive drivers confident in their Signal score
- New-car owners seeking replacement cost and OEM parts coverage
- Households bundling multiple policies for savings
- Part-time rideshare drivers needing simple “app-on” coverage
- Drivers who value perks more than the absolute lowest price
Bottom Line
Farmers offers premium-priced insurance loaded with extras. If you bundle policies, drive safely, and make the most of Signal, you can soften the cost difference. Without these strategies, Farmers is likely pricier than many competitors. Compare quotes carefully and weigh perks against price to see if Farmers fits your budget and coverage needs.