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Car insurance quotes
Affordable auto insurance,
customized for you.
Save money with these car insurance discounts
Violation-Free Discount
Great drivers are made, not born. You'll get a discount if your driving history is violation-free.2
Multi-Car Discount
The more cars you insure with Liberty Mutual, the more you can save on your premium.2
RightTrack®
Earn savings just for being a safe driver by participating in our safe driving program.3
View all car insurance discounts
Car insurance doesn't have to be complicated
Types of car insurance coverage
- Comprehensive
- Personal injury protection
- Collision
- Property Damage
- Bodily injury liability
- 24-Hour Roadside Assistance
What affects my car insurance rate?
- Where you live
- Your driving record and annual mileage
- The coverages and deductibles you choose
- Cost to repair your vehicle
- Safety features of your vehicle
- Discounts you may qualify for
What coverage does my state require?
Have other auto insurance needs? We got you.
Our auto insurance has all the basics you need, plus more
Coverage | Real life example | Standard | Add-on |
| Bodily Injury Coverage | You're at fault in a collision where someone hurts their wrist. This can help cover their medical expenses. | ||
| Property Damage Liability | You back out of your driveway and hit your neighbor's fence (it happens). The cost to repair the fence can be covered. | ||
| Medical Payments | You're hurt in a car accident and need to take an ambulance to the hospital. This well help cover the cost. This coverage is optional in most states. | ||
| Better Car Replacement™ | If your car is totaled, we'll give you the money for a model that's one year newer one month after getting it.4 | ||
| Accident Forgiveness | After 5 years of never getting in an accident, you hit someone's bumper. You're forgiven - we won't raise your rate.5 | ||
| Liberty Mutual Deductible Fund® | You need to pay your deductible after a fender-bender. Use the funds toward the cost and you'll owe less money.6 |
Why choose Liberty Mutual for
car insurance?
Savings? We've got those too! You could save over $950 when you bundle your auto and home insurance.1
Start your quote today, to see how much you could save on auto insurance when you only pay for what you need.
Common questions about car insurance
- Also called minimum or Liability Coverage, these help pay for damages if you're at fault for an accident. This can include
- Injury to people in the other vehicle(s)
- Damage to someone else's car
- Damage to someone else's property
View our car insurance coverages- General maintenance for your vehicle
- Personal items inside your vehicle
- Ridesharing such as for Uber and Lyft and other commercial uses
- Injuries to pets
- Getting a quote with Liberty Mutual is easy and fast. You may have to provide the following information:
- ZIP Code where you live
- Driver's license number
- Make, model and year of your car
- Vehicle Identification Number (VIN)
- Approximate miles on your vehicle
It's best to start by understanding the coverage you need and then comparing the overall price of similar policies. Make sure the deductible amounts are about the same as well.
Existing customers can easily add a teen driver to their policy in their online account. Or visit our teen car insurance page if you're looking for a new car insurance policy for your teen driver.
Or learn about how to get the best car insurance rate for teens.
To determine what insurance coverage you need, you'll need to consider factors like your driving history, where you live, and what your state requires for basic coverage. If you lease or finance your vehicle, you also might be required by your lender to carry more coverage, like collision and comprehensive. Learn more about our car insurance coverages.
If you prefer to talk to someone about car insurance, you can call us for a quote at 800-290-6150.
It does not. Liberty Mutual offers auto insurance for commercial use to keep you covered while on the job.
What kind of car insurance does my state require?
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Access your ID cards8
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File and track claims
From requesting Roadside Assistance to filing a claim in minutes, we're here when you need us.