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Car insurance quotes
You could save 12% when you buy customized car insurance online.1
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.
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 discountsBundle and Save
You could save $950 on customized auto and home insurance.3
See our bundling savings optionsRightTrack®
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 programThose 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
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 quoteWhat kind of car insurance does my state require?
Common questions about car insurance
When comparing quotes, you may wonder, what is the average cost of car insurance? Learn about average car insurance costs and the variables that can influence it.
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.
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.
Begin your free online quote
Customer reviews
04/16/2021
Best Choice for a carrier
Jon_Wentworth5 out of 5 stars
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.
01/13/2021
I would highly recommend Liberty Mutual
SwagBucksBrit5 out of 5 stars
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.
01/10/2021
INCREDIBLE insurance
Daniel_T__Adam5 out of 5 stars
Liberty Mutual was great and still is great. They had great affordable policies and great customer service.
12/26/2020
Great
Kasey_4 out of 5 stars
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.
10/18/2020
Roadside assistance when my family and I needed it
sbforwdw5 out of 5 stars
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.
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.
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More about car insurance
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. http://news.ambest.com/PressContent.aspx?altsrc=2&refnum=30871
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 https://clearsurance.com/insurance-company/liberty-mutual-insurance-5835ece073b103329e91abc5