Discounts Offered for Auto Insurance from Liberty Mutual

Liberty Mutual car insurance discounts include safe driver, good student, multi-policy, and loyalty. Liberty Mutual car insurance discounts are also available for your car's safety features.

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UPDATED: Jun 2, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 2, 2022Fact Checked

Here's what you need to know...

  • Liberty Mutual is one of the top insurance companies in the world
  • They offer a wide variety of discounts for auto insurance
  • You can earn discounts on the safety features of your vehicle

Liberty Mutual, as one of the largest insurance companies in the world, offers you one of the simplest ways to get discounts on your car insurance coverage.

These include:

  • Having more than one policy with Liberty Mutual
  • Having multiple cars on the same policy
  • Getting a good student discount

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Multi-policy discounts come into play when you insure more than one product with the same company. As an example, if you insure both your vehicle and your home with Liberty Mutual, you can earn up to a 10 percent discount on your insurance premium.

There are more and more families looking to insure all of the vehicles in the household.

If you insure multiple cars, you can receive a discount of up to 10 percent off all the cars in the household.

Another way to save money off the car insurance premium through Liberty Mutual is to have a driver who is a student and maintains a “B” average or better. This discount applies to any driver who is in school:

  • high school
  • college
  • graduate school

Are there other kinds of discounts offered by Liberty Mutual?


Founded in 1912, Liberty Mutual is one of the top three insurers in the United States, and auto insurance is the top product offered by Liberty Mutual.

In order to stay competitive in a market that is always growing, Liberty Mutual offers many other discounts to try to keep insurance premiums as low as possible.

One of the most common discounts is a safe driver discount, available to drivers with no moving violations or accidents.

However, even if you have a safe driving record it is important to maintain insurance coverage, as any type of gap in coverage will automatically disqualify you from a safe driver discount.

Liberty Mutual offers a loyalty discount for policyholders who continue to reinsure with the company year after year. A loyalty credit is usually in the form of a premium reduction.

In addition, if you have a car that does not get driven more than 7500 miles per year, you may qualify for a limited use or low mileage vehicle discount.

Other ways to save money on your car insurance premium are not necessarily discounts, but rather changes to your policy that result in savings.

The first way to save money is to increase your deductible. The lower the deductible is, the higher the car insurance premium will be. Therefore, if you increase your deductible, your premium will most likely decrease.

Good credit is also important in saving money on car insurance.

Part of the approval process for an auto insurance policy is your credit score, and the higher the score, the lower the premium.

If you own a car that perhaps is not worth as much as your deductible, you can save money by canceling your collision and comprehensive coverages.

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How does Liberty Mutual determine the amount of the discounts?

There is no way to determine the exact amount of insurance discounts. There are too many different variables in play to put a standard amount on each discount.

It is best to speak to an insurance agent and ask about the different discounts that are available to you.

How can having a Liberty Mutual policy help you get discounts?

In order to recruit additional policyholders, Liberty Mutual must make efforts to market its products to new customers. One of the ways of doing this is to promote discounts for individuals and businesses.

Liberty Mutual offers more than 14,000 employers, credit unions, alumni associations, and groups the ability to get a substantial discount just by being part of that group.

Simply list the organization that you are part of, and the discount will automatically appear on your quote.

If your organization or group does not currently receive any discounts from Liberty Mutual, contact a local insurance agent to find out how you can get a discount.

Can the type of car I drive help me get discounts?

Yes, the type of car you drive, especially cars with certain safety features, can give you certain discounts. Cars with safety features are less expensive to insure. These features include:

  • airbags
  • alarms
  • anti-lock brakes

It is best to speak directly to your agent or call Liberty Mutual’s customer service line to determine which discounts you are eligible for, as well as the different types of coverage that are available to you.

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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