How much do Liberty Mutual auto insurance rates increase after an accident? (2025)

Expect your Liberty Mutual auto insurance rates to increase by around 52% after an accident, though it depends on fault, severity, and driving history.

Liberty Mutual’s accident forgiveness program helps certain people with their insurance avoid higher costs after having one accident, as long as they do not make any claims for five years. Check out the full Liberty Mutual auto insurance review today.

Without accident forgiveness, even small claims or accidents that not your fault can still make your rate go up. Stop overpaying for auto insurance. Enter your ZIP code to find out if you can get a better deal.

Liberty Mutual Rates Can Go Up Over 50% After an Accident

Your Liberty Mutual insurance cost may increase by up to 52%, depending on accident severity, fault, and driving history. However, Liberty Mutual offers accident forgiveness to drivers with a claim-free record for five years, helping prevent rate hikes after their first accident.

It is important to note that this applies to the policy, not the driver, so if one driver on a shared policy caused an accident in the past five years, then accident forgiveness will not be available for other named drivers.

Insurance Company	Clean Record	One Ticket	One Accident	One DUI
	$195	$240	$290	$450
	$180	$220	$270	$420
	$170	$210	$260	$400
	$130	$160	$200	$350
	$210	$260	$320	$480
	$145	$180	$230	$390
	$155	$190	$240	$400
	$140	$170	$220	$370
	$165	$200	$250	$410
	$115	$145	$175	$290

Without accident forgiveness, the exact amount that your rate might increase depends on whether you were at fault, how much damage was caused, your history as a driver, and whether you are a repeat offender. Even if you are making a claim for a minor accident or for an accident where you were not at fault, your rate might be affected — though less than it would be if you were at fault.

How long does it take for an accident to get off your record? Generally, you are looking at between three and seven years, depending on where you live and who your insurance company is. For Liberty Mutual, your rates will stay elevated for three to five years.

Comparing Liberty Mutual Claims Processing Efficiency

The table shows top auto insurance companies’ average days to process claims. This helps people understand how fast each insurer works when handling a claim, which is essential during emergencies. With this information, drivers can choose an insurance company that processes claims quickly and efficiently.

Insurance Provider	Average Claims Length (Days)
	25
	21
	22
	14
	30
	19
	20
	18
	24
	10

USAA is the quickest way to process claims, taking only 10 days. Next in line is Geico, with a 14-day average. Liberty Mutual takes around 30 days on average to process claims, making it one of the slower choices. Companies such as State Farm and Nationwide are in the middle range, with processing times usually taking 18 to 25 days.

The table shows six ways to keep track of your claim. These include using the online portal and mobile app, which let you log in quickly to see updates. You can also get notifications by email and text for instant alerts about your claim status.

For people who like personal help, calling Liberty Mutual’s phone support or talking to your claims adjuster directly is a good way. These ways make sure you stay updated and manage your claim more efficiently.

Read more: How to Check the Status of an Auto Insurance Claim

Switching Providers After a Liberty Mutual Claim

When facing a hefty rate increase after an accident with Liberty Mutual, it might be tempting to ask if you can switch auto insurance companies after an accident. The short answer is yes. However, before making the switch, it’s important to:

• Settle Open Claims: If you have an open car insurance claim with Liberty Mutual, continue working with your adjuster until it’s fully processed to avoid issues. Check out our guide titled, “What is a claims adjuster’s role in the auto insurance claims process?” to better understand the claims process.
• Get New Coverage Before Canceling: Don’t cancel your Liberty Mutual policy until you’ve secured a new one to avoid a coverage lapse. Read our step-by-step guide, titled, “How to Cancel Your Auto Insurance,” to learn the best way to switch policies without a gap in coverage.

You are still likely to have an increase in your monthly rate after an accident, even if you move to a new insurer.

You have to tell your insurer about old car accidents, and the new company will take this information into account when calculating your rate. It’s illegal to lie about past accident history.

Rate Increases After an Accident Claim With Liberty Mutual

After an accident, your rate is likely to increase if you file a claim with Liberty Mutual unless you qualify for accident forgiveness. If the accident is your fault, you do not qualify for accident forgiveness, and you are a repeat offender, you are looking at an increase of up to 52% for up to five years.

If you are not at fault, your rate might still be affected but will increase as dramatically as it would if the accident was your fault. Discover what happens if fault can’t be determined after a car accident. Explore your auto insurance options by entering your ZIP code into our free comparison tool today.