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Educational notes for homeowners. Not an insurer, not an agent, and not advice about your policy.

AUTO · NO. 7 · 2025

Why did my Liberty Mutual car insurance go up?

Seventh in 2025. The Safeco brand retirement is a name change, not an auto rate.

2025 DIRECT PREMIUM

$10.4B

SHARE

2.8%

TABLE

Private passenger

Liberty Mutual wrote $10.4 billion of private-passenger auto direct premium in 2025, a 2.8% share. The company said it retired the Safeco brand effective 25 April 2026 and that existing policies are not otherwise changed by that retirement. [45][46]

Triple-I’s private-passenger auto table shows U.S. direct premiums written of $193.4 billion in 2024, up 11.7% from 2023. That is the whole market after the table’s stated basis. It is not the change on one driver’s renewal. [45]

ISO figures republished by Triple-I put the 2024 average bodily-injury liability claim at $28,278, up from $17,014 in 2015, and the average collision claim at $5,489. Claim size is one reason a book of auto business is repriced. It does not identify which factor moved on your declarations page. [45]

Homeowners file for Liberty Mutual

Questions people type

Why did my Liberty Mutual car insurance go up?

Seventh in 2025. The Safeco brand retirement is a name change, not an auto rate. The 2024 private-passenger auto market wrote $193.4 billion, up 11.7% from 2023, and the average bodily-injury claim in the ISO figures was $28,278. Neither number is your renewal. Ask for the rating factors on this term: vehicle, garaging address, drivers, and any filed rate change. [45]

Did Liberty Mutual raise auto rates in my state in 2026?

The confirmed point on this page is the market share and any company statement linked in the notes. A state auto rate order that is not linked here was not read. [26][45]

Sources reviewed 2026-10-14

Open the document. The sentence above is only as current as that reading.

  1. [26] SERFF Filing Access. NAIC. Reviewed 2026-10-14. https://filingaccess.serff.com/sfa/home/
  2. [45] Facts + statistics: auto insurance. Insurance Information Institute (Triple-I). Reviewed 2026-10-14. https://www.iii.org/fact-statistic/facts-statistics-auto-insurance
  3. [46] Liberty Mutual Insurance retires Safeco brand (27 April 2026). Liberty Mutual, via PR Newswire. Reviewed 2026-10-14. https://www.prnewswire.com/news-releases/liberty-mutual-insurance-retires-safeco-brand-302754533.html