Insurer profile · NAIC + CMS
Liberty Mutual
Liberty Mutual's complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.
- C
- Reputation grade
- 1.34
- Complaint index
- 50
- States active
The verdict
Liberty Mutual earns a C reputation grade - a record near the industry median, according to the NAIC's published complaint index, its ratio runs 1.34, above the 1.0 market average.
- C
- reputation grade
- 1.34
- NAIC complaint index
Graded on 1 of 3 measures: NAIC complaints. The score is rescaled across the measures available, so it is not directly comparable with a carrier graded on more of them.
How we calculated this grade →NAIC CIS filing desk
NAIC 23043 C · 46.4
GRADE-C · INDEX-ELEV · DENIAL-NONE · RANK-LOWER · PHOTO-FINISH · LINES-1 · BOOK-RICH
- GRADE-C C · 46.4
- INDEX-ELEV 1.34
- DENIAL-NONE No CMS file
- RANK-LOWER #46/72
- PHOTO-FINISH Allstate Property · C
- LINES-1 1 line
- BOOK-RICH 6/7 fields
Nearest complaint-index peer: Allstate Property (±0.00 index pts)
Instrument codes from this carrier’s NAIC Consumer Information Source filing: grade band, complaint index, CMS denial band, corpus rank, photo-finish peer, line book, and field completeness. Not an official NAIC rating.
Complaint-index neighbourhood around Liberty Mutual
Quietest and hottest poles plus nearest index peers, not a full NAIC corpus board reprint.
Liberty Mutual - complaint index neighbourhood
- Northwestern Mutual… · quietest 0
Northwestern Mutual… · quietest
0 complaint index
- Aetna (CVS Health) · near 1
Aetna (CVS Health) · near
1 complaint index
- Allstate Property · near 1
Allstate Property · near
1 complaint index
- Liberty Mutual · this carrier 1
Liberty Mutual · this carrier
1 complaint index
- CareFirst BCBS · near 1
CareFirst BCBS · near
1 complaint index
- GEICO · near 1
GEICO · near
1 complaint index
- Gainsco Insurance · hottest
Gainsco Insurance · hottest
4 complaint index
What this shows According to PlainInsurer's dataset, Liberty Mutual has a lower (better) NAIC complaint index than 35% of the 72 rated insurers it tracks and ranks #10 of 21 carriers by complaint ratio in Auto Insurance.
Where Liberty Mutual sits on complaints
- Best in data 0
Lowest complaint index in PlainInsurer's dataset: 0.23
0 complaint index
- Market avg 1
Market average complaint index = 1.0 (NAIC benchmark)
1 complaint index
- Liberty Mutual 1
Liberty Mutual: complaint index 1.34
1 complaint index
- Worst in data
Highest complaint index in PlainInsurer's dataset: 3.87
4 complaint index
What this shows Liberty Mutual's complaint index of 1.34 is 34% above the 1.0 market average for a carrier of its size.
Liberty Mutual vs. the full rated-insurer dataset
134% 35th percentile more affordable than 35% of 72 rated insurers
Each bar is a band; taller bars hold more rated insurers. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source NAIC published complaint index (2024) · 2024
Scale vs. complaint-adjusted score
Complaint record by line of business
| Line | Est. complaints | Complaint index | States active |
|---|---|---|---|
| Auto Insurance | ~8,241 | 1.34 | 50 |
Auto insurance market share
Private-passenger-auto ranking by written premium, NAIC 2024
What the NAIC filing desk shows for Liberty Mutual
According to PlainInsurer's dataset, Liberty Mutual has a lower (better) NAIC complaint index than 35% of the 72 rated insurers it tracks and ranks #10 of 21 carriers by complaint ratio in Auto Insurance.
Liberty Mutual is outside the CMS marketplace file, but the claim-denial rate ranking shows what that data reports for the carriers it does cover. How complaint indexes place Liberty Mutual.
Liberty Mutual carries an A.M. Best Financial Strength Rating of A (Excellent) as of September 2025 (claims-paying ability, not complaint or service quality). Source: AM Best.
Nationwide insurers with similar scores or complaint volume
Two corpus-wide peer sets for Liberty Mutual: nearest national-scale carriers by composite score and by NAIC complaint volume. These are cross-market neighborhoods, not the corporate-family list or same-grade chips above.
Similar composite score
Nearest carriers by composite score (46.4 here). Floored at 50+ complaints and 5+ states.
Similar complaint volume
Nearest carriers by NAIC complaint count (8,241 here). Deduped against the score peers so the two sets stay distinct.
Liberty Mutual's corporate family in PlainInsurer's dataset also includes Liberty Mutual Homeowners -- a shared parent doesn't mean shared performance, so check each subsidiary's own record before assuming they behave alike.
Questions about Liberty Mutual
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Verify Liberty Mutual
Liberty Mutual is filed with the NAIC under company number 23043. Search that number directly in the NAIC's own public consumer-information tool to cross-check this page against the primary source.
Verify on NAIC Consumer Information SourceSource: NAIC published complaint index data Complaint index, reputation grade for Liberty Mutual · 2024
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Download the data behind this page
The full PlainInsurer extract, covering every insurer including Liberty Mutual, is available as CSV and JSON. Underlying federal data is public domain; see our methodology for the compilation and grading method.
Data: NAIC published complaint index (2024). Not affiliated with NAIC or CMS.
Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.