Liberty Mutual Car Insurance Canada: 2025 Review & Verdict
Our expert's review on Liberty Mutual
Liberty Mutual offers a car insurance contract in Canada built on a traditional, clearly defined structure. My analysis of the policy shows it is divided into core components: mandatory liability coverage and optional protections for medical payments, uninsured motorists, and physical damage to your vehicle. Reimbursement rates include specific supplementary payments, such as up to $250 for bail bonds and $15 per day for transportation after a theft, with deductibles applicable to physical damage claims
Positioned against other national insurers, Liberty Mutual provides a standardized, internationally recognized policy framework, appealing to those who prefer a conventional approach. This insurance is most suitable for individuals or commercial clients who prioritize a traditional policy structure from a large, established global provider, particularly those requiring commercial or garage policies.
As a major international insurance group, Liberty Mutual has a significant Canadian presence. However, its public reputation is a key consideration; on Trustpilot, the company holds a rating of 1.1 out of 5 from over 600 reviews, reflecting notable customer challenges with claims and service. The policy outlines a formal claims process managed through its designated service offices.
- ✅Coverage available in all Canadian provinces
- ✅Specialized commercial and garage auto policies
- ✅Supplementary liability payments included
- ✅Transportation expenses covered after theft
- ✅Pays reasonable costs to protect damaged property
- ✅Clear, traditionally structured policy
- ❌Extremely low customer satisfaction ratings
- ❌Exclusion of most non-factory electronic equipment
- ❌Low daily limit for transportation expenses ($15)
- ❌Strict exclusion for any ride-sharing or livery use
- ❌No specified telematics or loyalty discounts
Our expert's review on Liberty Mutual
- ✅Coverage available in all Canadian provinces
- ✅Specialized commercial and garage auto policies
- ✅Supplementary liability payments included
- ✅Transportation expenses covered after theft
- ✅Pays reasonable costs to protect damaged property
- ✅Clear, traditionally structured policy
- ❌Extremely low customer satisfaction ratings
- ❌Exclusion of most non-factory electronic equipment
- ❌Low daily limit for transportation expenses ($15)
- ❌Strict exclusion for any ride-sharing or livery use
- ❌No specified telematics or loyalty discounts
Score- ✅Coverage available in all Canadian provinces
- ✅Specialized commercial and garage auto policies
- ✅Supplementary liability payments included
- ✅Transportation expenses covered after theft
- ✅Pays reasonable costs to protect damaged property
- ✅Clear, traditionally structured policy
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The Liberty Mutual Car Insurance Guarantees
Liberty Mutual offers standard auto insurance in Canada, generally structured around liability, medical payments, uninsured motorist protection, and optional vehicle damage coverages such as collision and comprehensive.
The liability coverage includes bodily injury and property damage with supplementary benefits like bail bonds and loss of earnings, positioned at industry-standard levels but with noted caps ($250 for bail bonds, $50/day for loss of earnings).
Collision and comprehensive are available options and feature transportation coverage for theft ($15/day, $450 max), but some personal property, electronics, and custom equipment are excluded unless factory-installed.
Policy terms show deductible flexibility and a range of liability limits, offering some customisation, although some advanced features or additional legal protections commonly offered by leading rivals are not included.
Critical attention should be paid to exclusions—such as use as a taxi or for business, non-owned autos in certain professions, and strict hardware coverage—which may be more restrictive than some local competitors.
| Warranty name | Option 1 | Option 2 |
|---|---|---|
| Formula positioning | Standard mandatory plus optional extended cover | Enhanced limits and medical/uninsured motorist upgrades |
| Type of cover | Liability, medical, uninsured motorist, optional vehicle damage | Enhanced liability, increased medical/uninsured, optional vehicle damage |
| Reimbursement rate (% of damages covered) | Up to policy limits | Up to policy limits |
| Annual reimbursement ceiling (maximum amount reimbursed/year) | Liability: $25,000/$50,000 BI, $20,000 PD, $1,000 Medical, $25,000/$50,000 UM | Liability: $100,000/$300,000 BI, $50,000 PD, $5,000 Medical, $100,000/$300,000 UM |
| Policy excess (per claim and/or annually) | $250 comp, $500 collision deductible | $250 comp, $500 collision deductible |
| Waiting period (before certain guarantees take effect) | 48 hours for theft/transportation expense reimbursement | 48 hours for theft/transportation expense reimbursement |
| Minimum/maximum age for subscription | N.C. | N.C. |
| Prior risk assessment (medical questionnaire, telematics, driving history) | Driving history required for rating | Driving history required for rating |
| Payment facilities (monthly, quarterly, annual payments) | N.C. (varies by policy) | N.C. (varies by policy) |
| Advance payment of claim-related costs | Up to $250 bail bond; up to $50/day loss earnings for hearings | Up to $250 bail bond; up to $50/day loss earnings for hearings |
| Compensation at purchase value/agreed value/replacement value | N.C. | N.C. |
| Third-party liability (bodily injury and property damage to others) | Covered up to limits selected | Covered up to limits selected |
| Own vehicle damage (collision, regardless of fault) | Optional, covers direct/accidental loss less deductible | Optional, covers direct/accidental loss less deductible |
| Theft of vehicle (partial or total) | Optional, covered under comprehensive. $15/day up to $450 for transportation | Optional, covered under comprehensive. $15/day up to $450 for transportation |
| Fire (accidental or criminal) | Optional, covered under comprehensive | Optional, covered under comprehensive |
| Broken glass (windscreen, windows, sunroof) | Optional, covered under comprehensive | Optional, covered under comprehensive |
| Natural disasters (hail, flood, storm, etc.) | Optional, covered under comprehensive | Optional, covered under comprehensive |
| Acts of vandalism | Optional, covered under comprehensive | Optional, covered under comprehensive |
| All-risks damage (accidents of any cause, including at-fault) | ❌ | ❌ |
| Driver personal injury cover (death, disability, medical expenses) | Medical Payments: up to $1,000 | Medical Payments: up to $5,000 |
| Passenger injury cover | Medical Payments: included | Medical Payments: included |
| Criminal defence and recourse (basic legal aid after an accident) | ❌ | ❌ |
| Extended legal protection (for disputes beyond accidents) | ❌ | ❌ |
| Vehicle accessories and modifications (including EV batteries) | Factory-installed equipment only covered | Factory-installed equipment only covered |
| Personal belongings inside the vehicle (excluding cash, documents) | ❌ | ❌ |
| Child equipment (seats, pushchairs) | ❌ | ❌ |
| Replacement vehicle (during repairs or after total loss) | $15/day up to $450 for theft-related rental (comprehensive only) | $15/day up to $450 for theft-related rental (comprehensive only) |
| Towing and roadside assistance (including out-of-charge recovery for EVs) | N.C. | N.C. |
| Use abroad (compliance with minimum local cover; optional full cover abroad) | N.C. | N.C. |
| Vehicle use for professional/business purposes (where applicable) | ❌, except for carpooling | ❌, except for carpooling |
| Driving other vehicles (third-party only or comprehensive, depending on insurer) | N.C. | N.C. |
| Trailer or caravan towing cover | N.C. | N.C. |
*NC = Not communicated.*
Good to know: Liberty Mutual offers direct claims reporting by phone or email in Canada and is licensed in all provinces; digital management options and other service features are not expressly detailed in policy documentation.
Compare the best car insurance plans for free!Start comparingLiberty Mutual Car Insurance Exclusions
Liberty Mutual excludes coverage for claims arising from intentional injury or property damage, use of the vehicle as a public or livery conveyance (such as taxi or ridesharing), and operation by someone without a reasonable belief of entitlement to drive the vehicle.
Losses related to routine wear and tear, mechanical or electrical breakdown, war, nuclear incidents, or confiscation by authorities are also not covered.
Personal property owned by or in the care of the insured, certain types of specialized equipment, and vehicles with fewer than four wheels are explicitly excluded under multiple sections.
Notably, Liberty Mutual strictly denies claims when the vehicle is used for business purposes such as selling, repairing, or servicing vehicles unless clearly declared. These exclusions are detailed and specifically restrict coverage in scenarios that are sometimes ambiguously treated by competitors.
| Exclusions | Details |
|---|---|
| Exclusions linked to the use of the vehicle | • Use as public/livery conveyance (e.g., taxi, rideshare), unless share-the-expense car pool • While employed in the business of selling, repairing, servicing, storing, or parking vehicles • Use without a reasonable belief of entitlement |
| Exclusions linked to the driver | • Intentional acts (bodily injury/property damage) • Use by someone without a reasonable belief of entitlement • “Bodily injury” to domestic employees, unless workers’ compensation is unavailable |
| Technical exclusions | • Routine wear and tear, mechanical/electrical breakdown, freezing • Damage to specialized electronic/radar equipment not permanently installed by manufacturer • Motorized vehicles with fewer than four wheels • Damage or loss to awnings, cabanas, or living facility equipment |
| Geographical exclusions | • War, nuclear energy hazards, radioactive contamination • Loss due to governmental confiscation or destruction |
| Contractual exclusions | • Claims settled without company consent where required • Claims involving fraud, misrepresentation, or non-disclosure • Claims for property rented to, used by, or in the care of the insured (excluding residences/private garages) |
| Other notable exclusions | • Use for residence (vehicle located for use as a dwelling) • Punitive/exemplary damages under Uninsured Motorist coverage |
• While employed in the business of selling, repairing, servicing, storing, or parking vehicles
• Use without a reasonable belief of entitlement
• Use by someone without a reasonable belief of entitlement
• “Bodily injury” to domestic employees, unless workers’ compensation is unavailable
• Damage to specialized electronic/radar equipment not permanently installed by manufacturer
• Motorized vehicles with fewer than four wheels
• Damage or loss to awnings, cabanas, or living facility equipment
• Loss due to governmental confiscation or destruction
• Claims involving fraud, misrepresentation, or non-disclosure
• Claims for property rented to, used by, or in the care of the insured (excluding residences/private garages)
• Punitive/exemplary damages under Uninsured Motorist coverage
The cost of Liberty Mutual car insurance
Liberty Mutual occupies a mid-range position in the Canadian market, with broad coverage that keeps pace with key competitors on liability, accident, and property protections, though some higher-limit or car-home insurance bundled features may carry a premium.
Reimbursement levels are in line with industry standards and the flexibility to select deductibles ($250–$500 on sample policies) allows for some personalization, but lower-cost digital-first players still undercut Liberty Mutual on base rates for the most price-sensitive drivers.
The insurer is not a pure digital player, leaning on traditional channels and broker networks, which can mean higher operational costs reflected in premiums relative to fully online brands like Sonnet or Belair Direct.
Its strengths include a wide menu of supplementary options and robust support for commercial and multi-vehicle policies, but it is marked by recurring customer service and claims-handling criticisms, particularly around responsiveness and transparency.
Overall, Liberty Mutual is generally best suited to clients seeking a familiar, established provider with solid coverage options, but may not offer the most economical choice for digital-native or low-risk profiles.
| Essential plan | Standard plan | Comprehensive plan | |
|---|---|---|---|
| Young driver (18-24, compact car) | $139/month | $155/month | $185/month |
| Standard driver (35-45, intermediate vehicle) | $92/month | $104/month | $119/month |
| Senior driver (60-70, city car) | $79/month | $91/month | $104/month |
| Driver with at-fault claim (3 yrs) | $157/month | $182/month | $216/month |
| New SUV driver | $124/month | $144/month | $166/month |
| Driver with more than 25,000km/year | $137/month | $151/month | $179/month |
Before deciding, compare Liberty Mutual’s rates and coverage with other major insurers to secure the policy that best fits your driving profile and budget:
Compare the best car insurance plans for free!Start comparingLiberty Mutual car insurance discount codes
| Promotional codes Liberty Mutual | Details |
|---|---|
| HelloSafe | -5% on your quote |
Note: promotional codes are subject to change. For the latest promotional codes, go to our comparison of the best car insurance.
Your reimbursement amount from Liberty Mutual
| Claim or service | Average price (CA$) | Liberty Mutual liability only | Liberty Mutual collision+comprehensive | Liberty Mutual with all options (incl. rental) |
|---|---|---|---|---|
| Replacement after theft | $28,000 | ❌ | Up to actual cash value (excluding excess) | Up to actual cash value (excluding excess) |
| Repair after at-fault accident | $4,500 | ❌ | Up to $4,500 (excluding excess) | Up to $4,500 (excluding excess) |
| Windshield replacement | $800 | ❌ | Up to $800 (excluding excess) | Up to $800 (excluding excess) |
| Emergency towing | $180 | ❌ | ❌ | Up to $180 (excluding excess, with roadside or towing rider) |
| Rental car after covered loss | $450 | ❌ | ❌ | Up to $450 (excluding excess, $15/day maximum) |
Liberty Mutual car insurance assistance
Liberty Mutual provides transportation expenses up to $15 per day (max $450) starting 48 hours after theft, which gives partial mobility support in such scenarios but no rental car or alternative mobility for other claim types. No 24/7 roadside assistance, towing, or home assistance is communicated as a built-in or optional feature within their standard Canadian auto product, which constitutes a notable omission compared to most major insurers.
Drivers should also be aware of the lack of specific support for electric vehicles, battery issues, fuel misfuelling, or assistance abroad. Key recovery, legal help after an accident, and animal transport assistance are not included. The only post-loss “assistance” described is reimbursement for actions to protect the insured vehicle from further damage after a covered event.
Customer Reviews of Liberty Mutual Car Insurance
| Review site | Rating and number of reviews |
|---|---|
| Trustpilot | 1.1 out of 5 (625 reviews) |
Here are some pros and cons highlighted by Liberty Mutual clients:
✅ A handful of customers note satisfactory experiences with specific representatives who provided assistance or answered questions regarding their coverage.
✅ The online quoting process is sometimes described as straightforward for initial sign-up.
❌ The majority of policyholders report serious issues with claims handling, including denied claims for covered events, low payouts, and long processing times.
❌ Many reviewers have experienced unexplained and significant premium increases, regardless of their driving or claims history.
❌ Customer service is widely criticized for being unhelpful, hard to reach, and prone to miscommunication or misinformation about coverage.
❌ Numerous clients describe complicated billing errors, unauthorized charges, and problems when making payment changes or trying to cancel a car policy.
❌ Several users allege being signed up for coverage without their consent based on a quote request, followed by demands for payment or referral to collections.
Feedback seems to be mostly negative, especially regarding claims' payment, for example:
- "Liberty Mutual is corrupt. For nearly 3 years now, they have owed me a refund… I filed a claim when my car got vandalized in the parking garage… they denied it after literally 2 months of back‑and‑forth with a terrible rep that was never available." by Bill (US reviewer), on Trustpilot, on May 1, 2025.
- "I have had a policy with Liberty Mutual for 5 years, no problems. However, when I went to change my billing information, they did not honor my payment… policy was cancelled… I was never even told." by Timothy Dunn, on Trustpilot, on June 19, 2025.
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. Alternatively, email InfoCanada@libertymutual.com or contact your local Liberty Mutual office. |
| To report a claim | Call 800.461.5079 or email LMCanadaClaims@libertymutual.com. Written claims can be mailed to Liberty Mutual Canada, Suite 900, 181 Bay Street, Toronto, ON M5J 2T3. Include your policy number and a written statement of the incident. |
| To request and track a refund | Contact Liberty Mutual customer support at 800.461.5079 or email InfoCanada@libertymutual.com with your policy number and refund request. Approved refunds are usually processed to your original payment method within 10–14 business days; timelines may vary depending on account specifics and documentation. |
| To obtain an insurance certificate | Request an insurance certificate by calling 800.461.5079, emailing InfoCanada@libertymutual.com, or contacting your broker. Certificates can be issued digitally or mailed to your address as per your request; central office: Suite 900, 181 Bay Street, Toronto, ON M5J 2T3. |
| To contact assistance | For general assistance, claims help, or policy questions, call 800.461.5079 or email InfoCanada@libertymutual.com. For in-person or written inquiries: Liberty Mutual Canada, Suite 900, 181 Bay Street, Toronto, ON M5J 2T3. |
| To cancel my contract | Contact Liberty Mutual at 800.461.5079 or email InfoCanada@libertymutual.com. Written notice with your policy number and a signed cancellation request is required; the standard notice period is 14–30 days. Include proof of new insurance if requested. Mail documents to Suite 900, 181 Bay Street, Toronto, ON M5J 2T3. |
FAQ
Do I have to pay in advance for repairs or assistance with Liberty Mutual?
If you use a Liberty Mutual recommended repair shop or select partner for towing, payment is typically made directly by Liberty Mutual and you are only responsible for the deductible. If you choose your own provider, you may need to pay upfront and submit receipts for reimbursement according to your coverage.
How do I cancel my car insurance contract with Liberty Mutual?
To cancel, contact Liberty Mutual customer service by phone or email, provide written notice (usually at least 30 days in advance), your policy number, and a signed cancellation request; additional documents such as proof of new insurance may be requested.
What types of coverage does Liberty Mutual offer for car insurance?
Liberty Mutual provides mandatory liability, medical payments, and uninsured/underinsured motorist coverage, plus optional protections like collision, comprehensive, and rental/transportation expenses coverage. You can also personalize your coverage with add-ons to suit your needs and province.
How do I file a claim with Liberty Mutual and what information will I need?
You can file a claim by calling Liberty Mutual at 800.461.5079, emailing LMCanadaClaims@libertymutual.com, or using the contact on your Declarations Page. Have your policy number, details of the incident, supporting documents or photos, and repair estimates ready to speed up your claim process.
Are there any discounts available with Liberty Mutual car insurance?
Discounts may be available for bundling auto with home or other products, having multiple vehicles, maintaining a claims-free record, being a good student, or installing safety features. Ask your Liberty Mutual advisor about all the ways you can save based on your driving and policy profile.
Does Liberty Mutual car insurance apply when driving a rental or borrowed vehicle?
Liberty Mutual may provide coverage for rental or non-owned vehicles if you carry the appropriate protection on your policy. Always check your specific contract and notify Liberty Mutual if you intend to rent or regularly use another vehicle for personal or business purposes.
Do I have to pay in advance for repairs or assistance with Liberty Mutual?
If you use a Liberty Mutual recommended repair shop or select partner for towing, payment is typically made directly by Liberty Mutual and you are only responsible for the deductible. If you choose your own provider, you may need to pay upfront and submit receipts for reimbursement according to your coverage.
How do I cancel my car insurance contract with Liberty Mutual?
To cancel, contact Liberty Mutual customer service by phone or email, provide written notice (usually at least 30 days in advance), your policy number, and a signed cancellation request; additional documents such as proof of new insurance may be requested.
What types of coverage does Liberty Mutual offer for car insurance?
Liberty Mutual provides mandatory liability, medical payments, and uninsured/underinsured motorist coverage, plus optional protections like collision, comprehensive, and rental/transportation expenses coverage. You can also personalize your coverage with add-ons to suit your needs and province.
How do I file a claim with Liberty Mutual and what information will I need?
You can file a claim by calling Liberty Mutual at 800.461.5079, emailing LMCanadaClaims@libertymutual.com, or using the contact on your Declarations Page. Have your policy number, details of the incident, supporting documents or photos, and repair estimates ready to speed up your claim process.
Are there any discounts available with Liberty Mutual car insurance?
Discounts may be available for bundling auto with home or other products, having multiple vehicles, maintaining a claims-free record, being a good student, or installing safety features. Ask your Liberty Mutual advisor about all the ways you can save based on your driving and policy profile.
Does Liberty Mutual car insurance apply when driving a rental or borrowed vehicle?
Liberty Mutual may provide coverage for rental or non-owned vehicles if you carry the appropriate protection on your policy. Always check your specific contract and notify Liberty Mutual if you intend to rent or regularly use another vehicle for personal or business purposes.
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