Car insurance coverage types

Every driver on the road is unique. Your car, your driving history, and of course your budget determines the kinds of coverage options to consider when shopping for car insurance.

Begin your free online quote

mother packing trunk before soccer game

Insurance coverage for your car

Loading...

Comprehensive coverage

Comprehensive coverage pays for damages to your vehicle from incidents other than a collision.
Loading...

Collision coverage

Collision coverage pays for damage to your vehicle when it collides with another vehicle or object (e.g., a tree, a guardrail).
Loading...

Better Car Replacement

If your car is totaled, we'll give you the money for a model that's one year newer.1

Other common coverages

Insurance coverage for your medical expenses

Loading...

Medical Payments Coverage

This coverage pays for your initial medical expenses related to the accident, regardless of who is at fault. Passengers in your car are also covered.
Loading...

Uninsured Motorist Coverage

If the other driver in an accident is uninsured, this coverage will pay for your injuries, up to the limit you choose.
Loading...

Personal Injury Protection Coverage

Personal Injury Protection (PIP) coverage addresses potential medical expenses as a result of an accident.

Insurance coverage for other people's medical and property expenses

Loading...

Bodily Injury Liability Coverage

Covers the initial medical treatment for your passenger(s).
Loading...

Medical Payments Coverage

Covers the initial medical treatment for your passenger(s).
Loading...

Property Damage Coverage

When you are found legally responsible for a car accident, this coverage pays for costs associated with repairing or replacing another person's property.

Begin your free online quote

Loading...

Ready for a quote?

Already have a Liberty Mutual auto policy?

1Optional coverage in some states; availability varies by state. Eligibility rules apply.