Car Insurance

Quote online and get an instant 12% or more off your price

Enter your ZIP code to start your custom quote

What does car insurance cover?

Injury to you or someone else

Damage to someone else’s car

Damaged property

We customize your insurance so you only pay for what you need.

See all auto coverages

Does car insurance cover theft?

You can customize your policy with Comprehensive Coverage for an extra layer of protection from things besides a collision, including theft. If you lease or finance your car, this coverage may be required.

Learn more about Comprehensive Coverage

Learn more about what to do if your car is stolen

Yellow car with tree branch stuck in windshield

What is collision insurance?

Coverage for damage to your car caused by hitting another car or object (like a tree or fence). This is an optional coverage in most states, meaning you can choose to add it to your policy.

Do I need collision insurance?

If you don't have it, you could be on the hook for paying for repairs completely out-of-pocket. If your car is new or has good value (or you just don't want a hefty repair bill), collision coverage is probably right for you. Keep in mind, you might be required to have collision insurance if you finance or lease your car.

Learn more about this coverage

Understand your auto insurance coverage options

Most car insurance companies tell you what they cover, but how does car insurance coverage work if you need to use it? We’ve broken down some common coverages to help make sense of it all.

Coverage

Real life example

Standard

Add-on

Medical Payments

You’re hurt in a car accident and need to take an ambulance to the hospital. This will help cover the cost.¹

Bodily Injury Liability

You’re at fault in a collision where someone hurts their wrist. This can help cover their medical expenses.²

Property Damage

You back out of your driveway and hit your neighbor’s fence (it happens). The cost to repair the fence can be covered.³

New Car Replacement™

You total your car just one month after getting it. We’ll help you get a new one with this coverage.⁴

Accident Forgiveness

After five years of never getting in an accident, you hit someone’s bumper. You’re forgiven - we won’t raise your rate. ⁵

Liberty Mutual Deductible Fund®

You need to pay your deductible after a fender-bender. Use your fund towards the cost and you’ll owe less money.⁶

Auto insurance discounts that help you save

The number of discounts we offer is just one reason NerdWallet has named us one of the best car insurance companies of 2020*. Start your auto quote to see how much you can save.

Online Purchase Discount

You could save instantly when you purchase your auto policy online.⁷

Bundle and Save

You could save $842 on customized auto and home insurance.⁸

RightTrack®

Get rewarded for your good driving behavior by saving up to 30% on your policy.⁹

Looking for some advice? We can help.

Car insurance 101

Woman with her car about to go for a run

5 reasons your car insurance rate changes

While it can seem arbitrary, there are actual reasons you can see your price go up and down.

Car buying

Man taking the keys to the car he just bought

How to get the best price on a new car

Arm yourself with information to make choosing (and buying) the right used car a worry-free process.

Begin your free online quote

Common questions about car insurance

Because car insurance rates depend on so many factors (age, where you live, driving history), they will always vary from person to person.
It’s best to understand what cost looks like for you by getting a quote you can customize.All car insurance companies will take your personal details into account (all those things that affect your rate) when you get car insurance quotes, but most won’t help you understand what's right for you - which can be just as important when it comes to price. That’s the difference with Liberty Mutual. We help you only pay for what you need and nothing you don’t.

If you research average cost, keep in mind you’re seeing an average for the whole country, which includes the most expensive states, the least expensive states, and all kinds of drivers with different driving history. With so much variation, the help these numbers can provide might be limited, but they can give you a starting point.

Also, keep in mind the cheapest car insurance isn’t always the best, so read the coverage details carefully. A super low price now could mean a sky high price later if you’re in an accident.
It can seem like there’s no rhyme or reason as to why your insurance rate is what it is, but there are several factors that help determine your coverage and price.
The basics:
Your age
Statistics tell us that certain age groups are less likely to have good driving behavior, and are therefore a higher risk to insure.

Where you live
From environmental factors to the number of cars on the road, where you live indicates a lot about what kind of risks you’re more likely to encounter. Even varying regional repair and medical costs determine this aspect of your rate.

The kind of car you drive
The age, condition, and safety features your car has all contribute to what determines your rate.

Your driving history
As you might guess, a good driving record can mean a better rate on your policy, whereas a history of accidents or other violations can mean a higher risk to insure.

A few universal things that contribute to rate increases:
A notable spike in distracted driving incidents
Higher medical & auto repair costs
More drivers on the road
Look at similar policies
When comparing car insurance quotes, it helps to compare apples to apples; in other words, you want to be sure that the quotes you get are for identical - or at least very similar - auto insurance policies. Once you have a better idea of the type of coverage you’re looking for in a policy, this will be easy. To better understand coverage types, browse our car insurance coverages.

Know what policy features are included
Liberty Mutual lists all coverages and features in our policies. This helps you understand exactly what's included in your quote, and which items may have an additional cost, such as towing or car rental coverages. When you compare car insurance, make sure you're getting the coverage you need and the features you want.

Comparing similar coverage, limits, and deductible amounts
Put simply: More coverage + lower deductible = higher premium
Less coverage + higher deductible = lower premium
Also, be sure you're comparing the same coverage period, usually a 6-month or 12-month term.
We hate jargon as much as you do, which is why we’ve broken down the most common terms you’ll want to understand when comparing, purchasing, and using car insurance.

Deductible
The initial amount you are responsible for before coverage kicks in. In most cases, this amount is simply deducted from your payout after a claim. For example, if your deductible is $500 and you have a $2,000 claim, you will receive $1,500.

Premium
The total amount that you pay for an insurance policy.

Liability
What you’re responsible for in the event of an accident.

Limit of liability
The maximum amount an insurance company can pay for coverage according to your policy

Additional living expenses
Any necessary expenses you incur while you're unable to be in your home due to a covered loss.
2019 insurance filing data suggests that the cost of teen car insurance can range significantly across providers and drivers. One thing is more certain though, because new drivers are inherently riskier, you can anticipate that your price might go up. The good news? There are a number of discounts that can help you save on teen car insurance from Liberty Mutual, such as:
- Good Student Discount
- Student-Away-at-School Discount
- Advanced Safety Features Discount
It’s because of the higher risk associated with teen drivers that it’s especially important to have quality coverage that protects your teen. If you’re seeing prices that look too good to be true, they probably are. A cheap quote may look tempting at first but will likely look less appealing once you dig into the coverage details and deductible.

More resources on adding a new teen driver

More about auto insurance

Auto discounts

Auto coverages

Coverage Calculator

¹Coverage requirements vary by state.

²Minimum requirements vary by state.

³Minimum monetary coverage varies by state.

⁴Optional coverage in some states; availability varies by state. Eligibility rules apply.

⁵ACCIDENT FORGIVENESS NOT AVAILABLE IN CA. Terms and conditions apply.

⁶Optional feature. Applicable to collision coverage only. Subject to terms and conditions. Availability varies by state.

⁷Discount applies to 12% on average off auto coverages: Bodily Injury Liability, Physical Damage, Uninsured Motorist, Underinsured Motorist, Medical Payments, Personal Injury Protection, Collision and Comprehensive coverages, as applicable by state.

⁸Savings validated by 2019 countrywide survey of participating new customers who switched to Liberty Mutual and saved. Savings may vary. Comparison does not apply in MA.

⁹Liberty Mutual: The RightTrack® discount applies only to the base coverages on the participating vehicle, which may include Bodily Injury, Property Damage, Comprehensive, Collision, Personal Injury Protection (PIP) or Medical Payments, Uninsured Motorist, and Underinsured Motorist (subject to state availability). Initial discount may vary by state and is replaced with a final discount upon completion of a review period. Not available in all states.

¹⁰* https://www.nerdwallet.com/blog/insurance/best-car-insurance-companies/

Car Insurance

Quote online and get an instant 12% or more off your price

Enter your ZIP code to start your custom quote

What does car insurance cover?

Does car insurance cover theft?

What is collision insurance?

Understand your auto insurance coverage options

Auto insurance discounts that help you save

Online Purchase Discount

Bundle and Save

RightTrack®

Looking for some advice? We can help.

Begin your free online quote

Ready for a quote?

Common questions about car insurance

More about auto insurance

Call for a quote

1-800-290-6150

24/7 Roadside Assistance

1-800-426-9898

About Liberty Mutual

Language Options

Car Insurance

Quote online and get an instant 12% or more off your price

Enter your ZIP code to start your custom quote

What does car insurance cover?

Does car insurance cover theft?

What is collision insurance?

Understand your auto insurance coverage options

Auto insurance discounts that help you save

Online Purchase Discount

Bundle and Save

RightTrack®Caret Right

Looking for some advice? We can help.

Begin your free online quote

Ready for a quote?

Common questions about car insurance

More about auto insurance

Call for a quote

1-800-290-6150

24/7 Roadside Assistance

1-800-426-9898

About Liberty Mutual

Language Options

RightTrack®