Car Insurance Coverage
Helping you find the best coverage to fit your needs.
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 coverages 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 coverages and features we offer below or easily start a personalized quote if you know what coverage is right for you.
Our standard policy coverages and features are designed to cover common occurrences and adhere to your state's minimum requirements, while our additional policy coverages and features are designed to give you protection that goes above and beyond. Explore Liberty Mutual’s standard and additional coverages and features below to learn just how we can provide you the right policy that fits your needs.
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.
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.
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.1
If any of your car's occupants are injured in an accident, this pays for their initial medical expenses.
If you qualify, when you're involved in your first accident, we won’t raise your insurance rates.2
Additional Coverages for Enhanced Protection
Adding the following coverages and features to your standard auto insurance policy will further provide you with the protection you need.
If your car is damaged by an impact with another car or object, this pays for the cost of repairs.
If your car is damaged by something other than a collision, like theft or fire, this pays for the cost of repairs.
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
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
When you 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.
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.
Special features and discounts designed with the needs of educators in mind.
2 For qualifying customers only. Subject to terms and conditions. Optional in some states. Not available in CA.
3 Optional coverage, not available in all states. Applies to a total covered loss. Does not apply to leased vehicles or motorcycles. Deductible applies.
4 Optional coverage. When you choose to have your car repaired at a Liberty Mutual approved repair facility we will pay your rental costs for as long as it takes to fix your car. Coverage provided on the Optional Transportation Expenses Coverage endorsement. Subject to daily limit and not available in NY.