Better Car Replacement™

A better insurance policy that gets you a better car.

What is Better Car Replacement?
Replacing a car after a loss is already hard enough. Let us help you get a better one. Adding Better Car Replacement coverage to your policy means that when your car is deemed a total loss, we'll give you the money for a replacement car that is one model year newer with 15,000 fewer miles than your current car.* For instance, if your old car was a 2014 model with 35,000 miles on it, Liberty Mutual will give you the money for a replacement 2015 model with 20,000 miles on it.

Better Car Replacement: Benefits

  • A replacement car that’s one model year newer and has 15,000 fewer miles.
  • Avoid owing more money on your totaled car than it is worth.
Better Car Replacement vs. New Car Replacement
While there are similarities between these two coverage options from Liberty Mutual, here are the specifics of each:
Coverage Feature
Better Car Replacement
New Car Replacement
Optional coverage added to auto insurance policy
Previously insured car must be a total loss
Policy deductible applies
A replacement car is provided
Replacement is the same model year as totaled car
Replacement is one model year newer than totaled car
Replacement has 15,000 less miles than totaled car
Totaled car must be less than a year old
Totaled car must have less than 15,000 miles on it
Not available for leased cars and motorcycles
Coverage Feature
Optional coverage added to auto insurance policy
Better Car Replacement

New Car Replacement

Previously insured car must be a total loss
Better Car Replacement

New Car Replacement

Policy deductible applies
Better Car Replacement

New Car Replacement

A replacement car is provided
Better Car Replacement

New Car Replacement

Replacement is the same model year as totaled car
Better Car Replacement

New Car Replacement

Replacement is one model year newer than totaled car
Better Car Replacement

New Car Replacement

Replacement has 15,000 less miles than totaled car
Better Car Replacement

New Car Replacement

Totaled car must be less than a year old
Better Car Replacement

New Car Replacement

Totaled car must have less than 15,000 miles on it
Better Car Replacement

New Car Replacement

Not available for leased cars and motorcycles
Better Car Replacement

New Car Replacement

What is Car Gap Insurance?
When your car is deemed a total loss and you owe more money than it's assessed to be worth, gap insurance will cover the remaining amount you owe. Gap insurance is generally an optional coverage that you can purchase at the same time as your car. It does not provide coverage for a newer car.

Better Car Replacement: A "Better Car" Gap Insurance

Better Car Replacement goes further than typical gap insurance because you receive payment for a replacement car that's one model year newer, with 15,000 fewer miles.
*Optional coverage in some states; availability varies by state. Eligibility rules apply.