Family packing their car up to go camping

Car insurance quotes

You could save 12% when you buy customized car insurance online.1
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Affordable car insurance, customized for you.

For over 100 years we've been insuring cars and helping customers get the best car insurance discounts and coverages available.

Today we offer a variety of digital tools like RightTrack and our mobile app to help you save money and manage your policy 24/7. Get your customized auto insurance quote in minutes, so you only pay for what you need.

Average customer rating

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/ 5

Save money with these auto insurance discounts

Start your auto quote to see how much you can save.

Violation free discount

Great drivers are made, not born. You'll get a discount if your driving history is violation-free.2
Learn about saving with discounts

Bundle and Save

You could save $950 on customized auto and home insurance.3
See our bundling savings options


Instantly receive a 10% discount when you enroll. Complete the program and you could save up to 30% on your policy for safe driving behavior.4
Save with our safe driver program

Those are just a few of the ways Liberty Mutual helps you save on your car insurance costs.

What affects my car insurance rate?

Things that insurance companies consider that typically affect your auto insurance rate are:

  • Your driving record
  • How often you drive
  • Cost to repair your vehicle
  • If your car has safety issues

Every driver on the road is unique. Your car, your driving history, and of course your budget are all factors to consider when shopping for car insurance. That's why we customize your car insurance so you only pay for what you need.

What does car insurance cover?

  • Injury to you or someone else
  • Damage to someone else's car
  • Damaged property

What is typically not covered by car insurance?

  • General maintenance for your vehicle
  • Personal items inside your vehicle
  • Ridesharing such as for Uber and Lyft and other commercial uses
  • Injuries to pets

Why choose Liberty Mutual for car insurance?

  • Liberty Mutual customizes your insurance so you only pay for what you need
  • You could save $950 on auto and home when you bundle your insurance policies3
  • We've been helping people like you protect what they love for more than 100 years
  • We're rated "A" (Excellent) financial by A.M. Best Company5

Download our app - the easiest way to manage your policy

QR code for mobile app
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Open the camera on your phone, hold it up to the QR code, and tap the link to download.

Access your ID cards6

Save them right to your device for proof of Insurance.

Pay and manage bills

Quickly pay bills, enroll in Autopay, and update billing preferences.

File and track claims

File a claim in minutes and request Roadside Assistance when you need it.
  • Access your ID cards6
  • Pay and manage bills
  • File and track claims
  • ...and more!

What do I need to start a car insurance quote?

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

How can I compare quotes from different car insurance companies?

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.

Get started creating your custom car insurance quote

Start my quote

What kind of car insurance does my state require?

Common questions about car insurance

Begin your free online quote


Ready for a quote?

Customer reviews


Best Choice for a carrier

5 out of 5 starsStar FilledStar FilledStar FilledStar FilledStar Filled
Wonderful experience. They make insurance simple and understandable. It is a plus that I can carry all my policies under one roof, even my Life Insurance.

I would highly recommend Liberty Mutual

5 out of 5 starsStar FilledStar FilledStar FilledStar FilledStar Filled
Liberty Mutual is a transparent, flexible, and innovative insurance company. I have had an auto policy with them for well over 10 years. During that time, I can not think of any negative experiences. They have always treated me with professional courtesy and respect as a customer. Liberty Mutual has also been flexible with payments in times of need (pandemic). I plan on continuing my service with them for years to come. I love the fact that they are affordable, competent, and they care about their customers.

INCREDIBLE insurance

5 out of 5 starsStar FilledStar FilledStar FilledStar FilledStar Filled
Liberty Mutual was great and still is great. They had great affordable policies and great customer service.


4 out of 5 starsStar FilledStar FilledStar FilledStar FilledStar Empty
Amazing company! Great rates and always has fast helpful customer service. I don't make much money, but liberty mutual had a policy that fit my budget. I recommend.

Roadside assistance when my family and I needed it

5 out of 5 starsStar FilledStar FilledStar FilledStar FilledStar Filled
I am very pleased with the roadside assistance that is included with my Liberty Mutual auto insurance policy. I was driving with my three young children on a very hot summer day. I ran over some road debris and got a flat tire. I had to pull over on a narrow road in a neighborhood I was not familiar with. I called Liberty Mutual, and they sent someone to our rescue! The agent with whom I spoke over the phone was very polite and professional. When I expressed my concern about being in the heat and on an unsafe (narrow) road with my children, she reassured me that someone would be there to change my tire as soon as possible. Sure enough, I received a phone call from the man who was on the way to assist me, and he arrived within 10 minutes. He was extremely professional and kind. He asked us all to get out of the car while he changed the tire, and made sure we were standing in a safe place. He did his work efficiently, and before we knew it, we were on the road again. Liberty Mutual helped this experience to be as low-stress as possible for me and my family.
For more customer reviews about Liberty Mutual, please visit the Clearsurance website.7

Want to learn more about car insurance? We can help.

Safe driver with both hands on the wheel
Self driving 101

Safe driving tips for new and experienced drivers

Practice safe driving to help keep the roads safe. Plus, with auto insurance programs like RightTrack®, you could get rewarded for practicing safe driving.
Car keys being handed to new owner
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I've decided to sell my car. Now what?

Find the information you need to help decide how and where to sell your car, the value, and what to do about car insurance after you sell.
Two cars that have just collided in an accident
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Five important things you should do immediately if you're in an accident.
Woman with her car about to go for a run
What affects your insurance rates?

5 factors that affect your insurance rate

Focus on these 5 things to help ensure you can keep your auto insurance rate down.
1NOT AVAILABLE IN CA, NY, HI, MT, WY, ND, SD, AK, NC. Discount amount varies by state and reflects average savings as applied to certain auto coverages.
2Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
3$950 Auto & Home Savings Figure: Average savings based on a countrywide survey of new customers who reported savings when they switched to Liberty Mutual between 10/2021 and 09/2022. Savings may vary. Comparison does not apply in MA.
4The RightTrack® discount applies only to the base coverages on the participating vehicles, which may include Bodily Injury, Property Damage, Comprehensive, Collision, Personal Injury Protection (PIP) or Medical Payments, Uninsured Motorist, and Underinsured Motorist (subject to state availability), and excludes fixed expenses (where applicable). Initial discount and availability may vary by state. Final rate is based on driving behavior and applied after review period is completed or at renewal. New rate applied only to base coverages, may exclude fixed expenses. Not available in all states.
5A.M. Best Rating Services, 2021.
6Insurance ID cards are permitted in most states; however, some states do not permit the use of Mobile Insurance ID cards as proof of insurance.
7Selected 4 and 5 star customer reviews about Liberty Mutual as shown on Clearsurance. For all customer reviews about Liberty Mutual shown on Clearsurance, please visit