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A complaint index compares how many confirmed complaints an insurer got with how much business it does. 1.00 is average; below 1 means fewer complaints than expected for its size, above 1 means more. We use the Indiana Department of Insurance's official 2025 index (Indiana policies only), combining each company's insurers into one group figure. We also show California's 2025 justified-complaint rate for auto (complaints per 100,000 insured vehicles; lower is better), Missouri's 2021–23 index, the Texas Department of Insurance's 2025 index (same 1.00-is-average scale), and New York DFS's 2024 auto complaint ratio (upheld complaints per $1M premiums; lower is better). It's one signal, not a verdict, and we don't provide quotes.
Indiana DOI per-company indexes: auto: Liberty Mut Personal Ins Co 1.47; home: none listed.
Here are the facts we could confirm on Liberty Mutual's own page (2026-10-12): auto complaint index (indiana, 2025): 1.46 (4 complaints on $56M premium; small sample); homeowners complaint index (indiana, 2025): No complaints listed (Indiana lists only insurers with complaints); auto justified complaints (california, 2025): 5.8 justified complaints per 100,000 insured vehicles (30 complaints; 2 companies); auto complaint index (missouri, 2021–23): 1.39 (116 complaints, 2021–23; 2 companies); homeowners complaint index (missouri, 2021–23): 0.89 (48 complaints, 2021–23; 2 companies); auto complaint index (texas, 2025): 1.41 (54 confirmed complaints on 232,602 policies; 9 companies); homeowners complaint index (texas, 2025): 1.38 (51 confirmed complaints on 291,632 policies; 9 companies); auto complaint ratio (new york, 2024): 0.096 upheld per $1M premium (74 upheld complaints on $774M; 6 companies); company site: https://www.libertymutual.com/; quotes: We don't sell or provide quotes. Whether it's good for you depends on what you need; compare it with the alternatives listed.
From Indiana DOI 2025 Auto Complaint Index (homeowners: in.gov/idoi/files/Homeowners-Complaint-Index-2025.pdf); also California CDI 2025, Missouri DCI 2023, Texas TDI 2025 (data.texas.gov/dataset/pa9u-9s9w) and New York DFS 2024 (data.ny.gov/dataset/h2wd-9xfe) indexes, see notes below the table (checked 2026-10-12). “not found” means the page didn't state it.
Facts, not insurance advice. We don't sell insurance or provide quotes; confirm coverage and requirements with the insurer, an agent or your state insurance department.