Liberty Mutual
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Roadside Assistance 24/7*
Contact Us by Phone:
Customer Service: 1-888-398-8924
Claims: 1-800-225-2467
Sales: 1-800-837-5254
For customer service hours, FAQ's, and to learn about more ways to get in touch, visit the Liberty Mutual Contact Us portal.
*Additional charges apply if your policy does not include the Towing and Labor coverage.

Welcome to the Liberty Mutual Customer AdvantageTM Rewards Program

With this program, the longer you stay with us, the more you get rewarded. Earn premium benefits automatically at no cost when you hit certain milestone years with us. The chart below outlines when you'll earn each benefit.
BENEFITS
Blue
Advantage
Years 1-2
Bronze
Advantage
Years 3-4
Silver
Advantage
Years 5-6
Gold
Advantage
Years 7+
Minor Violation Forgiveness1Your rate won't increase for your first minor traffic violation such as a speeding ticket.
2-Year New Car Replacement 2We'll fully reimburse you for your new car's original value if it's totaled in the first two years.
Personal Property Coverage3Protects the covered belongings in your vehicle up to $500 if they’re damaged or stolen.
12-Month Rate Guarantee4We guarantee your rate for one full year from your renewal date, unlike many other insurance providers who change their prices every six months.
BENEFITS
Minor Violation Forgiveness1Your rate won't increase for your first minor traffic violation such as a speeding ticket.
Blue
Advantage
Years 1-2

Bronze
Advantage
Years 3-4

Silver
Advantage
Years 5-6

Gold
Advantage
Years 7+

2-Year New Car Replacement 2We'll fully reimburse you for your new car's original value if it's totaled in the first two years.
Blue
Advantage
Years 1-2

Bronze
Advantage
Years 3-4

Silver
Advantage
Years 5-6

Gold
Advantage
Years 7+

Personal Property Coverage3Protects the covered belongings in your vehicle up to $500 if they’re damaged or stolen.
Blue
Advantage
Years 1-2

Bronze
Advantage
Years 3-4

Silver
Advantage
Years 5-6

Gold
Advantage
Years 7+

12-Month Rate Guarantee4We guarantee your rate for one full year from your renewal date, unlike many other insurance providers who change their prices every six months.
Blue
Advantage
Years 1-2

Bronze
Advantage
Years 3-4

Silver
Advantage
Years 5-6

Gold
Advantage
Years 7+

Plus, you'll continue to enjoy these existing benefits if you qualify. See your policy statement to learn which benefits you've earned.
Accident Forgiveness5 - Your price won't go up due to your first accident once you've been accident and violation-free for 5 years.

Liberty Mutual Deductible Fund®6 - Your collision deductible will be lowered by $100 every year you keep this benefit on your policy.

Liberty Mutual RightTrack®7 - This program rewards you for your good driving habits with a discount on your insurance.

24-Hour Claims Assistance® - Our dedicated team is always available to quickly handle your claim online, on our mobile app, or via phone.

Lifetime Repair Guarantee®8 - Choose a shop in the Liberty Mutual Guaranteed Repair Network, and all repairs are guaranteed for as long as you own your car.

New Car Replacement®9 - If your new car is totaled in the first year, you'll get the money for a brand new car, not just the depreciated value.
Eligibility requirements may apply. Benefits available in AZ, MO, OH, TN, and WI only and are subject to change.
1Applies to violations that include minor speeding infractions and other minor violations. Benefit is earned the first day of your seventh year of continuous coverage; all prior minor violations still apply as benefit is not retroactive.
2Applies to a covered total loss. Your car must be less than two years old, have fewer than 30,000 miles, and have had no previous owner. Does not apply to leased vehicles or motorcycles. Subject to applicable deductible. Benefit earned the first day of your fifth year of continuous coverage.
3Limited to your covered vehicle, certain exclusions apply. Subject to a $50 deductible. Benefit earned the first day of your third year of continuous coverage. For qualifying customers only. Subject to terms and conditions of Liberty Mutual's underwriting guidelines. Not available in CA and may vary by state.
4Your rate is guaranteed for one full year from your effective date. Rate guarantee may not apply if there is a mid-term change in underwriting risk that impacts policy premium.
5ACCIDENT FORGIVENESS NOT AVAILABLE IN CA. Terms and conditions apply.
6Optional feature. Applicable for collision coverage only. Subject to terms and conditions. Availability varies by state.
7Initial discount may vary by state and is replaced with a final discount upon completion of a review period. Not available in all states. RightTrack® discount applies only to auto policy base coverages.
8The property damage must be covered by your policy. Guaranteed Repair Network not available in Rhode Island or Massachusetts. In Massachusetts we offer you our Superior Service Program, which is similar to the Guaranteed Repair Network, however, the estimate is completed by a Liberty Mutual appraiser. For more information, speak with your Liberty Mutual Claims Representative. Damage caused by normal wear and tear, improper maintenance, or unreasonable use is not covered. We will repair or replace any defective work of the Guaranteed Repair Network facility.
9Optional coverage in some states. Availability varies by state. Eligibility rules apply.