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Replace your total loss with a better vehicle with 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 2017 model with 35,000 miles on it, Liberty Mutual will give you the money for a replacement 2018 model with 20,000 miles on it.
New blue car with yellow bow 

Who's it right for?

This add-on coverage is right for policyholders hoping to protect their newer vehicles in the event of a total loss.
Policyholders that own their car; Better Car Replacement is not available for leased cars and motorcycles.
Vehicle owners that would prefer to upgrade their vehicle in the event of a total loss.

What are the benefits?

Better Car Replacement helps you fend off your old vehicle’s depreciation in the event of a total loss.
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

What's the difference between Better Car and New Car Replacement coverages? We'll break it down for you below.
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

Get enrolled in Better Car Replacement

Already a Liberty Mutual auto insurance customer?

If you're adding a new car to your policy or would like to apply this coverage to an existing vehicle, we'll walk you through the steps for enrollment below.

Not a Liberty Mutual auto insurance customer?

Learn more about how we can customize your auto insurance so you only pay for what you need, including Better Car Replacement coverage.
*Optional coverage in some states; availability varies by state. Eligibility rules apply.