Car Insurance

Only pay for what you need

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Discounts that help you save

Savings Discount

Online Purchase Discount

You could save instantly when you purchase your policy online.
Bundle

Bundle and Save

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

RightTrack

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

Un-complicating auto coverage

Understanding your coverage options shouldn't be so hard. We'll guide you through available coverage types, starting with who and what is covered.

What comes standard

The coverage you need
  • Dwelling
  • Bodily Injury Liability
  • Property Damage
  • Medical Payments

Add-on protection & coverage

Customized insurance for you
  • Better Car Replacement
  • Towing & Labor
  • Rental Car Coverage

Customize with rental coverage

A car accident is stressful enough without worrying about how you’ll get around after. With Rental Car Reimbursement3, we’ll get you back on the road as quickly as possible. If your car is drivable, we’ll drop off your rental and take your car to the shop with Liberty Mutual Claims Valet Service™.
Woman leaning against her damaged car filing a claim

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It’s not always easy to know the difference between certain terms when it comes to insurance. Let’s clear up exactly what the most important ones mean.

Deductible

The initial amount you pay out-of-pocket before coverage kicks in. In most cases, you pay this upfront in the event of a claim, even if you were not at fault.

Premium

The total amount that you pay for an insurance policy. Pro tip: You can choose a lower deductible by paying a higher premium.

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. For more helpful definitions, check out our Insurance Glossary.

1The 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. Coverage provided and underwritten by Liberty Mutual Insurance and its affiliates, 175 Berkeley Street, Boston, MA 02116. ©2017 Liberty Mutual Insurance.
2ACCIDENT FORGIVENESS NOT AVAILABLE IN CA. Terms and conditions apply.
3Coverage 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.
4$842 Savings Figure: Savings 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.