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Liberty Mutual — HonestPolicy Grade

Overall: C (score 42.4/100) · methodology v0.2.1 · generated 2026-07-10

Every figure on this page links to the public government record it was computed from (see Sources & provenance). The grade aggregates the complaint experience of all Liberty Mutual underwriting companies identified in each source, listed below with their raw complaint and exposure counts.

Automobile: C score 43.6/100 · composite relative index 1.29 · 7 signals

Signals

SignalYear Group complaintsGroup exposure base Market complaintsMarket exposure base Relative indexWeight
TX Automobile202554235,2712,48015,044,7981.39[tx]0.3
TX Automobile202428300,9081,59414,898,9760.87[tx]0.12
CA Automobile202530514,0281,78628,998,8650.95[ca_auto]0.2
CA Automobile202425514,0281,38828,998,8651.02[ca_auto]0.12
CA Automobile202324514,02885728,998,8651.58[ca_auto]0.08
NY Automobile202490$977.8M629$18,428M2.70[ny]0.12
NY Automobile202346$1,034.2M445$16,202M1.62[ny]0.06

Relative index = (group share of complaints) ÷ (group share of exposure base); 1.00 = market average, lower is better. CA prior-year indices reuse the latest-year exposure mix (CDI publishes exposures for the most recent year only). CA market = the ~50 largest writers CDI studies.

Underwriting companies aggregated into this grade

Source · year(s)Company ComplaintsExposure base Regulator's own ratio
TX · 2025LIBERTY COUNTY MUTUAL INSURANCE COMPANY (NAIC 19544)46229,5701.22 (TDI index)
TX · 2025LIBERTY MUTUAL INSURANCE COMPANY (NAIC 23043) (tiny book — below the credibility floor on its own)116237.48 (TDI index)
TX · 2025LIBERTY MUTUAL FIRE INSURANCE COMPANY (NAIC 23035) (tiny book — below the credibility floor on its own)547464.04 (TDI index)
TX · 2025LIBERTY INSURANCE CORPORATION (NAIC 42404) (tiny book — below the credibility floor on its own)18670.6 (TDI index)
TX · 2025FIRST LIBERTY INSURANCE CORPORATION, THE (NAIC 33588) (tiny book — below the credibility floor on its own)112050.6 (TDI index)
TX · 2025LM INSURANCE CORPORATION (NAIC 33600) (tiny book — below the credibility floor on its own)0680.0 (TDI index)
TX · 2025SAFECO INSURANCE COMPANY OF AMERICA (NAIC 24740) (tiny book — below the credibility floor on its own)07480.0 (TDI index)
TX · 2025SAFECO INSURANCE COMPANY OF ILLINOIS (NAIC 39012) (tiny book — below the credibility floor on its own)04060.0 (TDI index)
TX · 2025SAFECO LLOYDS INSURANCE COMPANY (NAIC 11070) (tiny book — below the credibility floor on its own)01,0350.0 (TDI index)
TX · 2025OHIO SECURITY INSURANCE COMPANY (NAIC 24082) (tiny book — below the credibility floor on its own)01,4930.0 (TDI index)
TX · 2025GENERAL INSURANCE COMPANY OF AMERICA (NAIC 24732) (tiny book — below the credibility floor on its own)01,1090.0 (TDI index)
TX · 2024LIBERTY COUNTY MUTUAL INSURANCE COMPANY (NAIC 19544)24293,2240.77 (TDI index)
TX · 2024LIBERTY MUTUAL INSURANCE COMPANY (NAIC 23043) (tiny book — below the credibility floor on its own)01240.0 (TDI index)
TX · 2024LIBERTY MUTUAL FIRE INSURANCE COMPANY (NAIC 23035) (tiny book — below the credibility floor on its own)04700.0 (TDI index)
TX · 2024LIBERTY INSURANCE CORPORATION (NAIC 42404) (tiny book — below the credibility floor on its own)01030.0 (TDI index)
TX · 2024FIRST LIBERTY INSURANCE CORPORATION, THE (NAIC 33588) (tiny book — below the credibility floor on its own)01200.0 (TDI index)
TX · 2024LM INSURANCE CORPORATION (NAIC 33600) (tiny book — below the credibility floor on its own)0650.0 (TDI index)
TX · 2024SAFECO INSURANCE COMPANY OF AMERICA (NAIC 24740) (tiny book — below the credibility floor on its own)291820.38 (TDI index)
TX · 2024SAFECO INSURANCE COMPANY OF ILLINOIS (NAIC 39012) (tiny book — below the credibility floor on its own)04980.0 (TDI index)
TX · 2024SAFECO LLOYDS INSURANCE COMPANY (NAIC 11070) (tiny book — below the credibility floor on its own)01,3060.0 (TDI index)
TX · 2024OHIO SECURITY INSURANCE COMPANY (NAIC 24082) (tiny book — below the credibility floor on its own)12,7043.46 (TDI index)
TX · 2024GENERAL INSURANCE COMPANY OF AMERICA (NAIC 24732) (tiny book — below the credibility floor on its own)11,3766.8 (TDI index)
CA · 2025/2024/2023LIBERTY MUTUAL FIRE INSURANCE COMPANY (CDI rank 41)43 (3yr)120,6142025: 10.8, 2024: 5.0, 2023: 5.4 (per 100k)
CA · 2025/2024/2023SAFECO INSURANCE COMPANY OF AMERICA (CDI rank 30)36 (3yr)393,4142025: 4.3, 2024: 3.1, 2023: 2.2 (per 100k)
NY · 2024Liberty Mutual Insurance Company (NAIC 23043) (tiny book — below the credibility floor on its own)20 (upheld, of 51 total)$0.5M (premiums)42.01389399 (DFS ratio, rank 128)
NY · 2024Liberty Mutual Fire Insurance Company (NAIC 23035)7 (upheld, of 25 total)$105.0M (premiums)0.066675282 (DFS ratio, rank 90)
NY · 2024LM General Insurance Company (NAIC 36447)45 (upheld, of 288 total)$643.2M (premiums)0.069962558 (DFS ratio, rank 91)
NY · 2024LM Insurance Corporation (NAIC 33600) (tiny book — below the credibility floor on its own)1 (upheld, of 8 total)$9.3M (premiums)0.107341406 (DFS ratio, rank 99)
NY · 2024First Liberty Insurance Corporation (NAIC 33588) (tiny book — below the credibility floor on its own)0 (upheld, of 2 total)$5.5M (premiums)0.0 (DFS ratio, rank 25)
NY · 2024SAFECO Insurance Company of Indiana (NAIC 11215) (tiny book — below the credibility floor on its own)1 (upheld, of 4 total)$10.9M (premiums)0.091415997 (DFS ratio, rank 96)
NY · 2024American States Insurance Company (NAIC 19704)16 (upheld, of 72 total)$203.4M (premiums)0.078666093 (DFS ratio, rank 92)
NY · 2023Liberty Mutual Fire Insurance Company (NAIC 23035)4 (upheld, of 26 total)$108.7M (premiums)0.036793173 (DFS ratio, rank 81)
NY · 2023LM General Insurance Company (NAIC 36447)31 (upheld, of 286 total)$682.9M (premiums)0.045395509 (DFS ratio, rank 86)
NY · 2023LM Insurance Corporation (NAIC 33600) (tiny book — below the credibility floor on its own)0 (upheld, of 5 total)$10.3M (premiums)0.0 (DFS ratio, rank 18)
NY · 2023First Liberty Insurance Corporation (NAIC 33588) (tiny book — below the credibility floor on its own)0 (upheld, of 3 total)$5.6M (premiums)0.0 (DFS ratio, rank 29)
NY · 2023SAFECO Insurance Company of Indiana (NAIC 11215) (tiny book — below the credibility floor on its own)3 (upheld, of 5 total)$11.9M (premiums)0.253139873 (DFS ratio, rank 117)
NY · 2023American States Insurance Company (NAIC 19704)8 (upheld, of 66 total)$214.9M (premiums)0.037221653 (DFS ratio, rank 82)

Homeowners: C score 41.2/100 · composite relative index 1.43 · 5 signals

Signals

SignalYear Group complaintsGroup exposure base Market complaintsMarket exposure base Relative indexWeight
TX Homeowners202593431,7431,1539,068,5181.69[tx]0.3
TX Homeowners202439494,9627339,050,7530.97[tx]0.12
CA Homeowners202541665,87450111,946,3011.47[ca_home]0.2
CA Homeowners2024113665,8741,26511,946,3011.60[ca_home]0.12
CA Homeowners202340665,87467911,946,3011.06[ca_home]0.08

Relative index = (group share of complaints) ÷ (group share of exposure base); 1.00 = market average, lower is better. CA prior-year indices reuse the latest-year exposure mix (CDI publishes exposures for the most recent year only). CA market = the ~50 largest writers CDI studies.

Underwriting companies aggregated into this grade

Source · year(s)Company ComplaintsExposure base Regulator's own ratio
TX · 2025LIBERTY MUTUAL INSURANCE COMPANY (NAIC 23043)052,9240.0 (TDI index)
TX · 2025LIBERTY MUTUAL FIRE INSURANCE COMPANY (NAIC 23035) (tiny book — below the credibility floor on its own)170111.22 (TDI index)
TX · 2025LIBERTY MUTUAL PERSONAL INSURANCE COMPANY (NAIC 12484)2047,6553.3 (TDI index)
TX · 2025LIBERTY INSURANCE CORPORATION (NAIC 42404)620,2472.33 (TDI index)
TX · 2025LIBERTY LLOYDS OF TEXAS INSURANCE COMPANY (NAIC 11041) (tiny book — below the credibility floor on its own)01,8790.0 (TDI index)
TX · 2025SAFECO INSURANCE COMPANY OF AMERICA (NAIC 24740)028,0760.0 (TDI index)
TX · 2025SAFECO INSURANCE COMPANY OF INDIANA (NAIC 11215)24138,7911.36 (TDI index)
TX · 2025SAFECO LLOYDS INSURANCE COMPANY (NAIC 11070) (tiny book — below the credibility floor on its own)01,3580.0 (TDI index)
TX · 2025AMERICAN ECONOMY INSURANCE COMPANY (NAIC 19690)42140,1122.36 (TDI index)
TX · 2024LIBERTY MUTUAL INSURANCE COMPANY (NAIC 23043)359,6760.62 (TDI index)
TX · 2024LIBERTY MUTUAL FIRE INSURANCE COMPANY (NAIC 23035) (tiny book — below the credibility floor on its own)09530.0 (TDI index)
TX · 2024LIBERTY MUTUAL PERSONAL INSURANCE COMPANY (NAIC 12484)1665,7303.01 (TDI index)
TX · 2024LIBERTY INSURANCE CORPORATION (NAIC 42404)329,7051.25 (TDI index)
TX · 2024LIBERTY LLOYDS OF TEXAS INSURANCE COMPANY (NAIC 11041) (tiny book — below the credibility floor on its own)12,4275.1 (TDI index)
TX · 2024SAFECO INSURANCE COMPANY OF AMERICA (NAIC 24740)035,9820.0 (TDI index)
TX · 2024SAFECO INSURANCE COMPANY OF INDIANA (NAIC 11215)3150,6680.25 (TDI index)
TX · 2024SAFECO LLOYDS INSURANCE COMPANY (NAIC 11070) (tiny book — below the credibility floor on its own)01,6760.0 (TDI index)
TX · 2024AMERICAN ECONOMY INSURANCE COMPANY (NAIC 19690)13148,1451.09 (TDI index)
CA · 2025/2024/2023LIBERTY INSURANCE CORPORATION (CDI rank 47)107 (3yr)171,4082025: 12.8, 2024: 36.7, 2023: 3.0 (per 100k)
CA · 2025/2024/2023SAFECO INSURANCE COMPANY OF AMERICA (CDI rank 38)36 (3yr)227,6932025: 4.8, 2024: 5.2, 2023: 3.3 (per 100k)
CA · 2025/2024/2023SAFECO INSURANCE COMPANY OF ILLINOIS (CDI rank 33)11 (3yr)47,9572025: 4.2, 2024: 7.1, 2023: 8.5 (per 100k)
CA · 2025/2024/2023GENERAL INSURANCE COMPANY OF AMERICA (CDI rank 15)31 (3yr)155,0502025: 1.9, 2024: 7.2, 2023: 6.7 (per 100k)
CA · 2025/2024/2023FIRST NATIONAL INSURANCE COMPANY OF AMERICA (CDI rank 37)9 (3yr)63,7662025: 4.7, 2024: 2.4, 2023: 4.0 (per 100k)

HonestPolicy Grades are calculated independently and without the endorsement of the NAIC, the Texas Department of Insurance, the California Department of Insurance, or the New York State Department of Financial Services. Underlying complaint statistics are public records of the named state agencies.

A HonestPolicy Grade is an editorial opinion about relative complaint experience, derived arithmetically from the public records cited on this page. It is not a recommendation to buy or avoid any insurance product. See methodology (v0.2.1) for the exact formula.

Sources & provenance

[tx] Texas Department of Insurance — Complaint indexes and policy counts for insurance companies — Texas Department of Insurance.
https://data.texas.gov/dataset/Complaint-indexes-and-policy-counts-for-insurance-/pa9u-9s9w
Retrieved 2026-07-10T10:07:49+00:00. Published on the Texas Open Data Portal for public reuse. Complaint index values are calculated by TDI.
[ca_auto] California Department of Insurance — 2026 Consumer Complaint Study (Automobile composite) — California Department of Insurance.
https://www.insurance.ca.gov/01-consumers/120-company/03-concmplt/upload/2026-Consumer-Complaint-Study-Auto.pdf
Retrieved 2026-07-10T10:07:51+00:00. Public record of the California Department of Insurance. Ratios are justified complaints per 100,000 earned exposures as calculated by CDI.
[ca_home] California Department of Insurance — 2026 Consumer Complaint Study (Homeowners composite) — California Department of Insurance.
https://www.insurance.ca.gov/01-consumers/120-company/03-concmplt/upload/2026-Consumer-Complaint-Study-Home.pdf
Retrieved 2026-07-10T10:07:51+00:00. Public record of the California Department of Insurance. Ratios are justified complaints per 100,000 earned exposures as calculated by CDI.
[ny] New York State Department of Financial Services — Automobile Insurance Company Complaint Rankings: Beginning 2009 — New York State Department of Financial Services.
https://data.ny.gov/Government-Finance/Automobile-Insurance-Company-Complaint-Rankings-Be/h2wd-9xfe
Retrieved 2026-07-10T10:07:51+00:00. Published on Open Data NY for public reuse. Per DFS: insurers are ranked by upheld consumer complaints (complaints where DFS agreed the insurer made an inappropriate decision) as a share of automobile premiums written in New York State; the ratio column is upheld complaints per $1 million of premium as calculated by DFS.

Full machine-readable provenance for every figure: data/grades.json (methodology v0.2.1, generated 2026-07-10T10:22:02+00:00).