Car Insurance Coverage
Browse auto coverage options
We understand that 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. We also want to make understanding car insurance simple.
That way you pay for only what you need, and nothing you don't.
That way you pay for only what you need, and nothing you don't.
Narrow your choices by what is covered:
Your well-being
Covered by: Medical Payments
STANDARD
Covers your initial medical treatment.
This includes:
- Medical expenses
- Legal fees
- Lost income
- Pain and suffering
- Bereavement costs
Damage or injury from an uninsured driver
Covered by: Uninsured Motorist
ADD-ON
You'll be protected in an accident if the at-fault driver is uninsured. This coverage pays for your injuries up to the limit you choose.
ADD-ON
Your extended well-being after an accident
Covered by: Personal Injury Protection
ADD-ON
Addresses potential medical expenses as a result of an accident. It’s important to know that coverage details vary from state to state. Liberty Mutual will add the PIP coverage your state requires when you quote. From there, you can choose to increase coverage if you prefer.
This can include:
- Hospital bills
- Other expenses as a result of an accident, such as rehabilitation costs
- Medication or prothesis
ADD-ON
This coverage may have specialized rules based on your state. Please review your policy documents to see exactly what you are covered for.
Others' well-being
Covered by: Bodily Injury Liability
STANDARD
Covers others when you've caused an accident.
This includes:
- Medical expenses
- Legal fees
- Lost income
- Pain and suffering
- Bereavement costs
STANDARD
Required in all 50 states
*Minimum monetary requirements vary by state
*Minimum monetary requirements vary by state
Others' property
Covered by: Property Damage
STANDARD
Repairs or replaces someone else's vehicle / property that you damaged in an accident.
This includes:
- Mailboxes
- Fences
- Other kinds of property
STANDARD
Required in all 50 states
*Minimum monetary requirements vary by state
*Minimum monetary requirements vary by state
Your passenger's well-being
Covered by: Medical Payments
STANDARD
Covers the initial medical treatment for your passenger(s).
This includes:
- Ambulance transportation
- Emergency room care
- Hospital stay
- Other accident-related expenses
Damage from a collision incident
Covered by: Collision
ADD-ON
Repairs or replaces your car when it's damaged in collisions with another vehicle or object.
This includes damage caused by:
- Another car
- Another object (like a guardrail or tree)
Damage from a non-collision incident
Covered by: Comprehensive
ADD-ON
Repairs or replaces your car when it's damaged in an incident other than a collision.
This includes damage caused by:
- Storms
- Floods
- Fires
- Vandalism
- Theft
Reducing and eliminating your deductible
Covered by: Liberty Mutual Deductible Fund®
ADD-ON
Lower and eventually eliminate your collision deductible.
ADD-ON
Total deductible elimination may not be available in all states
Your rate after your first accident
Covered by: Accident Forgiveness
ADD-ON
We won’t raise your rates due to your first accident.1
Your car's repairs
Covered by: Lifetime Repair Guarantee
ADD-ON
Use an approved facility and we'll guarantee the repairs for as long as you own your car.2
Your new car's replacement
Covered by: New Car Replacement
ADD-ON
We'll help you get a new car if yours is totaled.3
ADD-ON
Optional coverage in some states. Availability varies by state and eligibility rules apply.
A better replacement for your car
Covered by: Better Car Replacement
ADD-ON
Replace your totaled car with another that's a model year newer and has 15,000 fewer miles.4
Your rental car reimbursement
Covered by: Rental Car Reimbursement
ADD-ON
We'll cover the cost of a rental car until yours is fixed.5
Roadside help when you need it
Covered by: Towing & Labor
ADD-ON
Roadside Assistance ensures you won't get stranded if something unexpected happens with your vehicle, whether it's accident-related or not.
Situations covered include:
- Flat tire
- Dead battery
- Run out of gas
- Get locked out of your vehicle
- A tow
ADD-ON
May vary by state. Applies to mechanical breakdowns and disablements only and may be subject to limits
If your leased car is totaled
Covered by: Auto loan/ lease gap
ADD-ON
If your car is totaled, and the car's value is lower than the amount remaining on your loan, Gap Coverage will cover the remaining amount you owe.
This helps you:
- Avoid paying out of pocket for the difference
ADD-ON
Original replacement parts for your car
Covered by: Original Parts Replacement
ADD-ON
Allows you to replace any damaged parts to your vehicle with parts that meet the highest quality standards.
What you should know:
- If original manufacturer parts are not available, we'll provide an estimate to you that includes comparable or reconditioned parts
ADD-ON
Genuine OEM Replacement Parts available except where prohibited by state law.
Coverage for teachers: Protection for your car on school grounds
Covered by: Teachers Car Insurance
ADD-ON
Extra protection for your car and teaching materials.
This includes damage or loss at school caused by:
- Vandalism
- A Collison
- Stolen supplies or school property in your car
If you’re driving to Mexico
Covered by: Mexico Car Insurance
ADD-ON
Required coverage for all types of vehicles traveling across the border to Mexico.
You choose your policy details, including:
- Coverage limits
- Duration of your policy
- The type of vehicle(s) you’ll be traveling in
ADD-ON
Products are underwritten by authorized, admitted Mexico Insurers and administered by International Insurance Group, Inc. MexPro is a division of International Insurance Group, Inc.
Now that you know what you need, get your quote in about 10 minutes.
Call 1-800-837-5254
Call 1-800-837-5254
Call 1-800-699-6459
Call 1-800-837-5254
Call 1-800-837-5254
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Call 1-800-837-5254
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Call 1-800-837-5254
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Call 1-800-699-6459
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Call 1-800-837-5254
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Call 1-800-837-5254
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Call 1-800-837-5254
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Call 1-800-837-5254
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1ACCIDENT FORGIVENESS NOT AVAILABLE IN CA. Terms and conditions apply.
1The property damage must be covered by your policy, and repairs completed by a Guaranteed Repair Network Vendor. Â Guaranteed Repair Network not available in Rhode Island or Massachusetts. In Massachusetts we offer you our Superior Service Program (SSP) 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.
3Optional coverage in some states; availability varies by state. Eligibility rules apply.
4Optional coverage in some states; availability varies by state. Eligibility rules apply.
5Coverage 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.