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Protect the purchase of your new car with New Car ReplacementTM

Optional coverage that protects vehicles under a year old with less than 15,000 miles.1

What is New Car Replacement?

If your totaled car is under one year old and has less than 15,000 miles, New Car Replacement coverage will provide you with the money for a brand new car, not just the depreciated value of your old car.
red car with bow

Who's it right for?

New Car Replacement coverage is recommended for customers insuring vehicles that are: 
Less than one year old
Have less than 15,000 miles
Not a lease (includes motorcycles)

What are the benefits?

Protect your recent vehicle purchase through the first year of ownership.
Get money for a replacement car that's the same model year as your totaled car.
Don’t worry about replacing your totaled car with an older model of lesser value.
Avoid the financial loss associated with owing more money on your 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 New Car Replacement

Already a Liberty Mutual auto insurance customer?

It's easy to find out if you're eligible to enroll. Begin by logging in to view and update your policy.

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.
Optional coverage in some states; availability varies by state. Eligibility rules apply.