Liberty Mutual
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Customer Service: 1-888-398-8924
Claims: 1-800-225-2467
Sales: 1-800-837-5254
For customer service hours, FAQ's, and to learn about more ways to get in touch, visit the Liberty Mutual Contact Us portal.
*Additional charges apply if your policy does not include the Towing and Labor coverage.

Get to know your coverage

Auto insurance: Let's drive through the basics

Every driver on the road is different. When it comes to coverage, what’s right for the driver in your left lane may not be quite right for you. That's why we want to help you understand the basics, learn more about extra protection (and who actually needs it), and help you customize the best policy for you and your vehicle.

Standard auto coverage

Bodily Injury Liability - If you're responsible for an accident and someone gets hurt, this coverage pays for their medical costs and other out-of-pocket expenses. Plus, it covers any associated legal defense costs.
Property Damage Liability - This coverage pays to repair or replace any person's vehicle or property if you damage it during an accident.
Medical Payments - If you or one of your passengers is injured in an accident, this covers for the initial medical expenses, regardless of who's at fault.

Optional coverage

Collision - Takes care of the costs associated with repairing or replacing your vehicle after an accident.
Comprehensive - Covers damage caused by something other than a collision, such as a storm or fire.
Rental Car Reimbursement Coverage - Helps pay for a rental car if your vehicle needs repairs after an accident.
+See more coverages-See lessSee more coverages
  • Personal Property Coverage - Optional coverage that pays up to $500 for any personal property located in your vehicle that gets stolen, damaged, or destroyed in a covered loss.1
  • 24-Hour Roadside Assistance - Also known as Towing & Labor. Ensures you won't get stranded if something unexpected happens with your vehicle, whether it's accident-related or not.2
  • Better Car ReplacementTM - Provides coverage for replacing your totaled vehicle with a model that’s one year newer and has 15,000 fewer miles.3

Coverage Scenarios:
Collision v. Comprehensive

Scenario 1: There's debris on the road and you hit it Covered by: Collision
Scenario 2: Debris falls off a truck and hits your vehicle before hitting the ground Covered by: Comprehensive
Scenario 3: Debris falls onto the road in front of you and you hit it Covered by: Collision
Scenario 4: Your car hits or is hit by a deer or other animal Covered by: Comprehensive

Understanding your deductible

Your deductible is the initial amount you pay out-of-pocket before your coverage kicks in. In most cases, you'll need to pay your deductible up front, even if the claim wasn't your fault.

Auto customers may enroll in the Liberty Mutual Deductible Fund® and receive as much as $70 annually towards their deductible. This helps you save on your deductible year after year when added to your policy, and can greatly reduce or even eliminate your deductible over time.4
Liberty Mutual Deductible Fund® savings chart

What's driving premiums up across the industry

Several factors — including where you live, what kind of vehicle you drive, and your claims history — can affect your premium. There are also external factors that come into play, like rising medical and vehicle repair costs.

Distracted driving

Today, 1 in 4 accidents involves someone using their cell phone.5

Higher auto repair costs

High-tech safety features are driving repair costs up $1,705 per vehicle, on average.6

More drivers on the road

Over 3 trillion miles were driven in 2016 (up 3% from 2015), resulting in more accidents.7

Rising medical costs

The average cost of bodily injury claims rose 38% between 2006 and 2016.8

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.

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1Optional coverage. Subject to a deductible. 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 in some states; availability varies by state. Eligibility rules apply.
4Optional feature. Applicable for collision coverage only. Subject to terms and conditions. Availability varies by state.
5Distracted driving: National Safety Council Estimate.
6Higher auto repair costs: Liberty Mutual Insurance: "Cost to Repair a 2016 vs. 2014 Entry-Level Luxury Car"
7More drivers on the road: U.S. Department of Transportation Federal Highway Administration
8Rising medical costs: ISO Fast Track.