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What are the 6 main types of car insurance coverage?

As a driver, you have a lot of car insurance coverages to choose from. Some are required by your state, and others are optional—but recommended for extra protection.

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Main types of car insurance

The 6 main types of car insurance coverage that you should know about before getting a car insurance quote or changing your policy are:

  • Liability
  • Medical Payments
  • Personal Injury Protection
  • Collision
  • Comprehensive
  • Uninsured Motorist

Please note, you'll need to pick the amount of each coverage to best meet your needs.

Other common optional car insurance coverages include:

  • New Car ReplacementTM
  • Gap Coverage
  • 24-Hour Roadside Assist
  • Original Parts Replacement
  • Rental Car Reimbursement

We know choosing car insurance coverage can be confusing! When you get a quote with us, we'll make sure you meet your state's required minimum coverages (often referred to as “basic car insurance”). We'll also explain optional coverages that can add extra protection.

At Liberty Mutual, you could save money on car insurance by only paying for what you need. It's still car insurance, just customized for you.

You could save up to 12% when you buy customized car insurance online

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“Full Coverage” Car Insurance
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What is full coverage car insurance
What is “full coverage” car insurance and do you need it?

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Please note: Information presented on this page is intended to be general information about insurance and is not specific to Liberty Mutual policies. Policies and coverages vary by state and insurer. Contact your insurance company to understand specifics regarding your policy and coverages.

1Optional endorsement. Applies to a covered total loss. Your car must be less than one year old, have fewer than 15,000 miles, and have had no previous owner. Does not apply to leased vehicles or motorcycles. Subject to applicable deductible. Availability may vary by state.
2Coverage is provided on the optional Towing & Labor Coverage endorsement. May vary by state. Applies to mechanical breakdowns and disablements only, and may be subject to limits.
3Optional coverage provided on the Original Parts Replacement Endorsement. Comprehensive and Collision coverage required. Eligibility rules and restrictions apply. May vary by state.
4Coverage is provided on the optional Transportation Expenses Coverage endorsement. Elected rental car coverage daily limits will apply. Damage must be a covered loss. May vary by state.