Car Insurance Coverage

Helping you find the best coverage to fit your needs.

couple discussing car insurance coverage options

The potential for catastrophe comes standard with life, so you need an insurance company that’s up to the task of protecting you from the unknown.

Every Liberty Mutual Auto Insurance policy comes with standard coverage and features designed to protect you from financial loss, fulfill your state’s requirements, and lessen your worry in the event of an accident or a claim.

But often your unique situation means that your protection needs to be extended further. We offer additional coverage options and features that can be easily added to your policy so you can live with the confidence of having the maximum amount of protection you need in the event that catastrophe strikes.

Explore the types of standard and additional coverage and features we offer below or easily start a personalized quote if you know what coverage is right for you.

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+Types of Insurance Coverage and Features-Types of Insurance Coverage and FeaturesTypes of Insurance Coverage and Features

Our standard policy coverage and features are designed to cover common occurrences and adhere to your state's minimum requirements, while our additional policy coverage and features are designed to give you protection that goes above and beyond. Explore Liberty Mutual’s standard and additional coverage and features below to learn just how we can provide you the right policy that fits your needs.

+Standard Coverage on Every Auto Insurance Policy-Standard Coverage on Every Auto Insurance PolicyStandard Coverage on Every Auto Insurance Policy

Bodily Injury Liability
If you cause an auto accident in which another person or people are injured, this coverage will pay for the cost of their injuries. More about Bodily Injury Liability

Property Damage Liability
If your car damages someone else's property, this coverage will pay for the cost of the repairing or replacing it. This most often refers to someone else's car, but it could also be another item, like a fence or a mailbox. More about Property Damage Liability

Medical Payments
If any of your car's occupants are injured in an accident, this pays for their initial medical expenses. More about Medical Payments Coverage

+Additional Coverage for Enhanced Protection-Additional Coverage for Enhanced ProtectionAdditional Coverage for Enhanced Protection

Adding the following coverage and features to your standard auto insurance policy will further provide you with the protection you need.

Collision Coverage
If your car is damaged by an impact with another car or object, this pays for the cost of repairs. More about Collision Coverage

Comprehensive Coverage
If your car is damaged by something other than a collision, like theft or fire, this pays for the cost of repairs. More about Comprehensive Coverage

Accident Forgiveness
With Accident Forgiveness, your price won’t go up due to your first accident. We offer this benefit if you are accident free and violation free for five years, whether you’ve been with Liberty Mutual Insurance or a prior insurance carrier.1 More about Accident Forgiveness

New Car Replacement
If your car is deemed a total loss, you won't have to settle for its depreciated value. We’ll give you the money for a brand new car if your totaled car is under a year old and has less than 15,000 miles on it.2 More about New Car Replacement

Better Car Replacement™
If your car is deemed to be a total loss, we’ll give you the money for a better car that’s one model year newer with 15,000 fewer miles, not just the depreciated value of your old car.3 More about Better Car Replacement

Rental Car Reimbursement
When you're involved in an accident, this pays for the cost of a rental car for as long as it takes to fix your car at a Liberty Mutual-approved repair facility.4 More about Rental Car Reimbursement

+Additional Features for Enhanced Protection-Additional Features for Enhanced ProtectionAdditional Features for Enhanced Protection

Deductible Fund™
When added to your policy, this lowers the amount of your collision deductible and the money you pay out-of-pocket in the event of a claim. Liberty Mutual will immediately put $100 into the fund to get it started.More about Deductible Fund

Lifetime Repair Guarantee
When you choose to have your vehicle fixed at a Guaranteed Repair Network facility, we’ll guarantee the repairs for as long as you own it.5 More about Lifetime Repair Guarantee

Teacher's Insurance
Special features and discounts designed with the needs of educators in mind. More about Teachers Auto Insurance
+Coverage for Every Location-Coverage for Every LocationCoverage for Every Location

Auto insurance requirements differ from state to state. Liberty Mutual can guide you to a policy that meets your state’s legal standards and fulfills your unique coverage needs.

Start an online quote to get the right coverage and protection for your unique situation.

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1ACCIDENT FORGIVENESS NOT AVAILABLE IN CA. Terms and conditions apply.
2Optional coverage in some states. Availability varies by state and eligibility rules apply.
3Optional coverage. Applies to a covered total loss. Deductible applies. Does not apply to leased vehicles or motorcycles and is not available in NC.
4Coverage 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.
5The property damage must be covered by your policy. Guaranteed Repair Network not available in Rhode Island or Massachusetts. In Massachusetts we offer you our Superior Service Program, which is similar to the Guaranteed Repair Network, however, the estimate is completed by a Liberty Mutual appraiser. For more information, speak with your Liberty Mutual Claims Representative. Damage caused by normal wear and tear, improper maintenance, or unreasonable use is not covered. We will repair or replace any defective work of the Guaranteed Repair Network facility.
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