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Car Insurance

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What does car insurance cover?

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Injury to you or someone else
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Damage to someone else’s car
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Damaged property

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

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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.

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
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Bodily Injury Liability
You’re at fault in a collision where someone hurts their wrist. This can help cover their medical expenses.2
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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
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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
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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
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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
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What kind of car insurance does my state require?

Save money with these auto insurance discounts

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.

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Online Purchase Discount

You could save instantly when you purchase your auto policy online.7
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You could save $842 on customized auto and home insurance.8
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Get rewarded for your good driving behavior by saving up to 30% on your policy.9
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Paperless Policy Discount

It's a win-win. Good for your wallet and the environment.11
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Pay-in-Full Discount

You get a discount for paying for your policy in one or two payments.
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Alternative Energy Discount

Friends of the environment are friends of ours. You’ll get a discount if your vehicle is a hybrid or electric.11

Those are just a few of the ways Liberty Mutual helps you save on your car insurance costs. See if you qualify for any other savings opportunities below.

Want to learn more about car insurance?

We can help.
Safe driving 101
Safe driver with both hands on the wheel
Practice safe driving to help keep the roads safe. Plus, with auto insurance programs like RightTrack®, you could get rewarded for practicing safe driving.
Car buying
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.
Auto insurance, when you need it
Two cars that have just collided in an accident
Five important things you should do immediately if you’re in an accident.
What affects your insurance rates?
Woman with her car about to go for a run
Focus on these 5 things to help ensure you can keep your auto insurance rate down.

Begin your free online quote

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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.
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.
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
10* https://www.nerdwallet.com/blog/insurance/best-car-insurance-companies/
11Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.