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Car Insurance

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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.

Family car parked outside garage

Does car insurance cover theft?

We've got you.

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.

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.

Yellow and blue car collided

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.

Real life example
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

What kind of car insurance does my state require?

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
You could save $842 on customized auto and home insurance.8
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
While it can seem arbitrary, there are actual reasons you can see your price go up and down.
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Car keys being handed to new owner
Find the information you need to help decide how and where to sell your car, the value, and what to do about car insurance after you sell.

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Common questions about car insurance

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.
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.
9The 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), and excludes fixed expenses (where applicable). 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 Company or its subsidiaries or affiliates, 175 Berkeley Street, Boston, MA 02116. ©2020 Liberty Mutual Insurance