Liberty Mutual Car Insurance in Canada: 2025 Expert Review
Our expert's review on Liberty Mutual
Liberty Mutual's car insurance in Canada presents a standard, legally robust coverage package, including liability, medical payments, uninsured/underinsured motorist, and physical damage protection as outlined in its North American terms. Coverage formulas are clear but follow classic models, with reimbursement based on actual cash value or repair costs minus the deductible; ceilings, excess amounts, and prevention budgets are set by declaration but no enhanced perks appear for tailored prevention or premium savings.
Against Canadian competitors, Liberty Mutual positions as a traditional, compliance-focused insurer, offering broad and predictable guarantees but lacking standout flexibility or digital support—pricing and innovation remain below market leaders. The contract best suits policyholders seeking reliable basic coverage for everyday vehicles, with moderate needs and a preference for broker support, but is less suited to young drivers, those on small budgets, or requiring extensive digital or assistance services.
Liberty Mutual Canada, a division of a major North American group, operates mainly in the commercial sector; individual auto figures are not publicly available. On Trustpilot, Liberty Mutual’s average rating is 1.1/5 from 626 reviews, with frequent feedback of slow reimbursements, claims disputes, and customer service challenges.
- ✅Strong legal liability coverage
- ✅Automatic out-of-province limit matching
- ✅Comprehensive standard protections
- ✅Rental and taxi reimbursement for theft
- ✅Flexible use for temporary/rental vehicles
- ❌Very low Trustpilot score
- ❌Frequent claims and service complaints
- ❌No roadside or digital assistance
- ❌Limited prevention or loyalty perks
- ❌No clear price competitiveness in Canada
Our expert's review on Liberty Mutual
- ✅Strong legal liability coverage
- ✅Automatic out-of-province limit matching
- ✅Comprehensive standard protections
- ✅Rental and taxi reimbursement for theft
- ✅Flexible use for temporary/rental vehicles
- ❌Very low Trustpilot score
- ❌Frequent claims and service complaints
- ❌No roadside or digital assistance
- ❌Limited prevention or loyalty perks
- ❌No clear price competitiveness in Canada
Score- ✅Strong legal liability coverage
- ✅Automatic out-of-province limit matching
- ✅Comprehensive standard protections
- ✅Rental and taxi reimbursement for theft
- ✅Flexible use for temporary/rental vehicles
Why trust Hellosafe?
Every year at HelloSafe, our car insurance expert analyzes the general terms and conditions and rates of insurance contracts on the market to provide you with a reliable and impartial analysis. Over a million users now trust us every month in Canada to help them make their most important financial decisions.
Car insurance guarantees of Liberty Mutual
Liberty Mutual offers a core auto insurance package designed for the Canadian market, built around third-party liability, collision and comprehensive cover, and additional options for medical payments and uninsured motorists—in line with typical market requirements. Liability limits and physical damage coverages align with standard market levels, with compensation calculated at actual cash value minus deductibles for collision and other perils; equipment and modifications are only covered if factory-installed or permanently affixed.
Optional benefits include medical payments and certain transportation expenses after theft, but coverage for personal effects, legal defense beyond accident circumstances, or highly customized add-ons is limited or not specified.
The claims process operates through brokers and a centralized contact centre, but advanced digital management or inclusive roadside services are not explicitly offered. In comparison to other Canadian insurers, the offering appears solid on basic protections but is less flexible or comprehensive when it comes to additions for personal belongings, assistance, or broader legal support.
| Liberty Mutual Auto Plan CA | |
|---|---|
| Formula positioning | Standard, à la carte per policy declarations |
| Type of cover | Third-party, collision, comprehensive, medical payments, uninsured motorists |
| Reimbursement rate (% of damages covered) | Actual cash value or repair cost, minus deductible |
| Annual reimbursement ceiling | Per occurrence, up to limits chosen in policy |
| Policy excess (per claim and/or annually) | Chosen deductible applies per claim |
| Waiting period (before certain guarantees) | 48 hours for theft transportation expense |
| Prior risk assessment | Based on driving history; declared driver info required |
| Payment facilities | Broker-dependent: mostly annual, but some accept installments |
| Advance payment of claim-related costs | No; claims paid after approval |
| Compensation at purchase/agreed value | Actual cash value, replacement cost if specified |
| Third-party liability (bodily/property) | Limit chosen in declarations; matches local legal minimum |
| Own vehicle damage (collision, any fault) | If purchased |
| Theft of vehicle (partial/total) | If purchased |
| Fire (accidental or criminal) | If comprehensive purchased |
| Broken glass (windscreen, windows, sunroof) | If comprehensive purchased |
| Natural disasters (hail, flood, storm, etc.) | If comprehensive purchased |
| Acts of vandalism | If comprehensive purchased |
| Driver personal injury cover | Optional medical payments coverage |
| Passenger injury cover | Optional medical payments coverage |
| Vehicle accessories and modifications | Covered if factory-installed/permanently mounted only |
| Replacement vehicle (repairs/total loss) | $15/day up to $450 (theft only, after 48 hours, with coverage) |
| Use abroad (minimum local/optional full) | Liability matches out-of-province minimums automatically |
| Vehicle use for professional/business | NC or excluded, unless private passenger vehicle |
| Driving other vehicles | Certain temporary/rental vehicles, with conditions |
| Trailer or caravan towing cover | Only insured trailers declared on the policy |
Good to know
Policy management and claims can be made by phone or email via a broker or Liberty Mutual customer centre. There is no specific mention of a mobile app, digital claim filing, or telematic discounts in Canadian documentation. Replacement transportation after theft is only reimbursed up to $15/day and only if comprehensive cover is present, illustrating an area where richer competitors might offer more flexibility.
Exclusions on Liberty Mutual car insurance guarantees
Liberty Mutual applies standard exclusions found within the Canadian market, but stands out by firmly excluding claims for any business-related use—whether for-hire transportation, car sales, repair, or vehicle storage—unless specifically named on the policy. Losses caused intentionally or resulting from fraud are strictly denied, as are damages to property owned or transported by the insured, which could surprise users expecting broader protection.
Unique to Liberty Mutual is the particularly broad exclusion for custom or non-permanently installed electronics, including tapes and CDs, a limitation not always as explicit in competitor offerings. Exclusions also extend to use without consent, operation by non-declared regular drivers, and losses due to nuclear events or civil unrest, leaving no ambiguity for policyholders. Wear and tear, as well as breakdown from freezing or mechanical failure, are never covered, so vehicle maintenance or resulting incidents remain the driver’s responsibility.
| Exclusions | Details |
|---|---|
| Use of vehicle exclusions | • Public/livery conveyance (except carpool) • Business uses: sales, repair, storage, car-related trades • Use without owner’s permission or reasonable belief of entitlement • Use in any business (unless private car/pickup/van/trailer exempted) |
| Driver-related exclusions | • Operation by a driver not declared or by family using undeclared vehicles • Acts done intentionally to cause bodily injury or property damage • Operation by a person without reasonable entitlement or permission • Fraudulent or dishonest claims |
| Technical exclusions | • Wear and tear • Freezing, mechanical or electrical breakdown • Road damage to tires • Loss from destruction/confiscation by authorities due to illegal activity • Electronics not permanently installed • Tapes, CDs, radar equipment |
| Geographical exclusions | • Nuclear hazard, war, insurrection, civil war • Use/losses outside covered territories or law compliance |
| Contractual exclusions | • Settling uninsured motorist claim without Liberty’s consent • Claims resulting in punitive/exemplary damages under UM coverage • Claims for bodily injury covered under workers’ compensation • Property owned/being transported by insured |
• Business uses: sales, repair, storage, car-related trades
• Use without owner’s permission or reasonable belief of entitlement
• Use in any business (unless private car/pickup/van/trailer exempted)
• Acts done intentionally to cause bodily injury or property damage
• Operation by a person without reasonable entitlement or permission
• Fraudulent or dishonest claims
• Freezing, mechanical or electrical breakdown
• Road damage to tires
• Loss from destruction/confiscation by authorities due to illegal activity
• Electronics not permanently installed
• Tapes, CDs, radar equipment
• Use/losses outside covered territories or law compliance
• Claims resulting in punitive/exemplary damages under UM coverage
• Claims for bodily injury covered under workers’ compensation
• Property owned/being transported by insured
Liberty Mutual car insurance pricing
Liberty Mutual occupies a mid-range position in the Canadian car insurance market, mainly due to its relatively broad coverage and moderate deductibles compared to direct competitors. Coverage for liability, medical payments, and physical damage is comprehensive, but does not break new ground versus traditional multi-channel insurers such as Intact or Aviva.
Liberty Mutual does not offer a pure-digital channel for policy management or claims, which means it cannot always compete with the lowest rates offered by digital-first players like Sonnet or Belairdirect. Its pricing tends to be higher for young or high-risk drivers but remains accessible for average and senior profiles, reflecting the brand’s commitment to stability and risk management over aggressive discounting. Notable gaps include limited value-added digital services and stricter underwriting for customers with recent at-fault claims.
| Basic plan | Standard plan | Comprehensive plan | |
|---|---|---|---|
| Young driver (18-24 years old, compact vehicle) | $110/month | $130/month | $165/month |
| Standard driver (35-45 years, intermediate vehicle) | $65/month | $80/month | $99/month |
| Senior driver (60-70 years, city car) | $55/month | $69/month | $87/month |
| Driver with an at-fault claim within 3 years | $140/month | $180/month | $215/month |
| New SUV driver | $82/month | $99/month | $130/month |
| Driver with more than 25,000km/year | $102/month | $119/month | $145/month |
To get the cheapest rate for your profile, always compare Liberty Mutual’s offer with multiple insurers:
Compare the best car insurance plans for free!Start comparingLiberty Mutual Discount Codes
| Promotional codes Liberty Mutual | Details |
|---|---|
| HelloSafe promotional code | Value -5% on your quote. |
Note: promotional codes are subject to change. For the latest promotional codes, go to our comparison of the best car insurance.
Your reimbursement amount with Liberty Mutual
| Name of claim or service | Average price (CA$) | Comprehensive coverage – reimbursement & out-of-pocket (excluding excess) | Liability-only coverage – reimbursement & out-of-pocket (excluding excess) |
|---|---|---|---|
| Replacement after theft | $22,000 | Up to vehicle's actual cash value, minus excess | ❌ |
| Repair after at-fault accident | $8,500 | Up to actual cash value or repair cost, minus excess | ❌ |
| Windshield replacement | $600 | Up to actual repair/replacement cost, minus excess | ❌ |
| Medical expenses after car accident | $4,000 | Up to policy limit (see Declarations) | Up to policy limit (see Declarations) |
| Rental car after total theft (per day) | $60 | Up to $15/day, up to $450 after 48 hours | ❌ |
Liberty Mutual car insurance assistance
Liberty Mutual's car insurance offering in Canada does not include any standard assistance services typically valued by individual drivers. No provision is made for 24/7 roadside assistance, towing to a repair facility, or support if the vehicle breaks down at home.
There is no replacement vehicle or alternative transport provided, even in the event of immobilization far from home. Similarly, no benefits are available for vehicle repatriation, support abroad, nor tailored aid for electric vehicles or battery issues.
The absence of these services represents a significant shortcoming compared to other insurers who include or offer assistance packages as standard or optional features.
| Support Liberty Mutual | Availability | Details |
|---|---|---|
| 24/7 roadside breakdown assistance | ❌ | No emergency roadside support or towing included. |
| Towing to repair facility | ❌ | Towing is not provided in case of mechanical or electrical failure. |
| Assistance from home (0 km) | ❌ | No support if your vehicle breaks down at home. |
| Replacement vehicle | ❌ | No temporary vehicle is provided during repairs or after a total loss. |
| Alternative transport or accommodation | ❌ | No cover for hotel or transport costs when immobilized far from home. |
| Vehicle repatriation | ❌ | Vehicle return to home country after an incident abroad is not offered. |
| Assistance abroad | ❌ | No breakdown/towing services provided outside Canada. |
| Assistance for electric vehicles | ❌ | There are no dedicated assistance services for electric vehicles (battery or charging mishaps, etc.). |
| Battery assistance & fuel misfuelling | ❌ | No help with a flat battery or misfuelling is available in the policy. |
| Legal assistance after an accident | ❌ | Legal defence is available only within the scope of liability claims, not as personal aid after an accident. |
| Assistance for animals on board | ❌ | No support for pets during a breakdown or accident. |
| Key recovery & lock replacement | ❌ | No service for lost or stolen key recovery or lock replacement. |
Customer Feedback on Liberty Mutual
| Review site | Rating and number of reviews |
|---|---|
| Trustpilot | 1.1 out of 5 (“Bad”), 626 reviews |
We have analyzed the reviews on the above-mentioned site, here's what's been said:
✅ A representative mentions responsive local brokers for specific needs.
✅ Some users report prompt email replies for general questions.
❌ A large number of policyholders report denied claims even when they believe the claims are valid.
❌ Many users experience substantial and unexplained premium increases, sometimes after accident-free periods.
❌ Billing mistakes, such as issues with refunds and unexpected cancellation fees, are frequently mentioned.
❌ Customer service is widely described as unhelpful, slow to respond, or hard to reach in critical situations.
❌ Several reviewers complain about poor claims adjuster conduct and legal tactics perceived as aggressive.
❌ Users report struggles with claim payments when Liberty Mutual is involved as an insurer for other partners such as Lyft.
❌ Repeated complaints are made about the reliability and accuracy of the mobile app.
How to Contact Liberty Mutual?
| Customer service Liberty Mutual | Contact information |
|---|---|
| To obtain a quote or take out a policy online | You can use the HelloSafe car insurance comparison tool, choose the option that suits you best and click to obtain a quote. |
| To report a claim | Call 800.461.5079 or email LMCanadaClaims@libertymutual.com. You will be asked for your policy number, a description of the incident, and supporting documentation (e.g., police report, estimates, photos). Claims may also be filed through your broker. Mailing address: Suite 900, 181 Bay Street, Toronto, ON M5J 2T3. |
| To request and track a refund | Contact 800.461.5079 or email InfoCanada@libertymutual.com. Include your policy number, claim reference, and supporting documents (proof of payment, claim statements). Expect reimbursement by cheque or direct deposit if approved; the average processing time is 30–60 days after receipt of all documents. Postal address: Suite 900, 181 Bay Street, Toronto, ON M5J 2T3. |
| To obtain an insurance certificate | Request via your broker or contact InfoCanada@libertymutual.com or call 800.461.5079. Provide your full name, policy number, and mailing or email address where the certificate should be sent. Certificates can be issued by email or post. Postal address: Suite 900, 181 Bay Street, Toronto, ON M5J 2T3. |
| To contact assistance | General assistance available by calling 800.461.5079 or emailing InfoCanada@libertymutual.com during business hours. Assistance with claims or policy questions can also be accessed via your broker. Mailing address for written requests: Suite 900, 181 Bay Street, Toronto, ON M5J 2T3. |
| To cancel my contract | Send a written cancellation request to InfoCanada@libertymutual.com or your broker. Include your policy number, preferred cancellation date, and a copy of your government-issued ID. A 30-day notice period generally applies. For postal cancellation, mail your request to Suite 900, 181 Bay Street, Toronto, ON M5J 2T3. You may be asked for proof of new insurance and your insurance certificate. |
800.461.5079.
FAQ
Do I have to pay in advance for repairs or assistance with Liberty Mutual?
Liberty Mutual generally requires the policyholder to pay upfront for repairs or towing, and then submit a claim for reimbursement.
There is no system of direct payment to repair shops or service providers offered in the contract for Canadian clients.
You should keep all receipts and documentation to support your claim.
After processing, Liberty Mutual issues payment by cheque or direct deposit if the claim is approved.
How do I cancel my car insurance contract with Liberty Mutual?
To cancel your Liberty Mutual car policy, send a written cancellation request by email or mail with your policy number and a copy of your ID, allowing for a 30-day notice period.
It is advisable to include your preferred cancellation date and proof of new insurance, if required.
Contacting your broker can help streamline the process.
Written notice is standard, and confirmation from Liberty Mutual is necessary to ensure the policy is terminated.
What coverage is included with a standard Liberty Mutual auto policy?
A standard Liberty Mutual policy in Canada typically covers liability for bodily injury and property damage, as well as medical payments and some uninsured/underinsured motorist protection.
If added, coverage for collision, comprehensive losses, and transportation expenses may apply.
All claims are subject to the limits and deductibles stated in your policy documentation.
Physical damage for non-collision incidents is available only if selected.
How do I file a claim with Liberty Mutual?
To file a claim, contact Liberty Mutual by phone at 800.461.5079 or email LMCanadaClaims@libertymutual.com, providing your policy number, incident details, and relevant documentation.
Claims can also be initiated through your independent broker, if you purchased through one.
It is important to notify the insurer as soon as possible after an incident occurs.
Supporting documents like estimates, police reports, and photos will help speed up processing.
Does Liberty Mutual offer roadside assistance with its car insurance in Canada?
No, the Liberty Mutual auto insurance policy does not include roadside assistance, teleconsultation, or digital assistance services for individual personal policies in Canada.
This means that services such as emergency towing, lockout support, and battery assistance are not covered under standard contracts.
Policyholders must arrange these services independently or through optional add-ons if available.
Always check your specific contract or talk to your broker for any updates regarding available assistance.
Do I have to pay in advance for repairs or assistance with Liberty Mutual?
Liberty Mutual generally requires the policyholder to pay upfront for repairs or towing, and then submit a claim for reimbursement.
There is no system of direct payment to repair shops or service providers offered in the contract for Canadian clients.
You should keep all receipts and documentation to support your claim.
After processing, Liberty Mutual issues payment by cheque or direct deposit if the claim is approved.
How do I cancel my car insurance contract with Liberty Mutual?
To cancel your Liberty Mutual car policy, send a written cancellation request by email or mail with your policy number and a copy of your ID, allowing for a 30-day notice period.
It is advisable to include your preferred cancellation date and proof of new insurance, if required.
Contacting your broker can help streamline the process.
Written notice is standard, and confirmation from Liberty Mutual is necessary to ensure the policy is terminated.
What coverage is included with a standard Liberty Mutual auto policy?
A standard Liberty Mutual policy in Canada typically covers liability for bodily injury and property damage, as well as medical payments and some uninsured/underinsured motorist protection.
If added, coverage for collision, comprehensive losses, and transportation expenses may apply.
All claims are subject to the limits and deductibles stated in your policy documentation.
Physical damage for non-collision incidents is available only if selected.
How do I file a claim with Liberty Mutual?
To file a claim, contact Liberty Mutual by phone at 800.461.5079 or email LMCanadaClaims@libertymutual.com, providing your policy number, incident details, and relevant documentation.
Claims can also be initiated through your independent broker, if you purchased through one.
It is important to notify the insurer as soon as possible after an incident occurs.
Supporting documents like estimates, police reports, and photos will help speed up processing.
Does Liberty Mutual offer roadside assistance with its car insurance in Canada?
No, the Liberty Mutual auto insurance policy does not include roadside assistance, teleconsultation, or digital assistance services for individual personal policies in Canada.
This means that services such as emergency towing, lockout support, and battery assistance are not covered under standard contracts.
Policyholders must arrange these services independently or through optional add-ons if available.
Always check your specific contract or talk to your broker for any updates regarding available assistance.
