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Car Insurance

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Affordable car insurance, designed for you.

Liberty Mutual has been in the auto insurance business for over 100 years. So, whether you’re looking for cheap, affordable car insurance, or full, comprehensive coverage, we’re here to customize a policy that fits your needs. We understand that when life changes, your policy may need to as well, which is why we offer personalized service and digital tools to help our customers navigate choosing (and using) their insurance. Learn more about our auto coverage, discounts, and what Liberty Mutual can provide to you. Start a free quote to get your price in minutes!

Average customer rating

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What do I need to start a car insurance quote?

Getting a quote is easy and fast. – even on your phone!

  • 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
Woman sitting at a desk on her laptop searching for car insurance

What car insurance coverage do I need in my state?

Did you know that specific car insurance coverages and minimums vary by state?

Check out coverages required where you live and find a local agent or office near you.

Map of the United States

How can I compare quotes from different car insurance companies?

In short, it’s best to start by understanding the coverage you need and then compare policies. Make sure you’re comparing apples to apples when looking at multiple options. Also, make sure that the deductibles are about the same.

Hands typing on a laptop searching for cheap car insurance

What affects my car insurance rate?

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

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

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. We customize your car insurance so you only pay for what you need.

Family car parked outside garage

What does car insurance cover?

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

We customize your insurance so you only pay for what you need.

Family car parked outside garage

Does car insurance cover theft?

We've got you.

You can customize your policy with Comprehensive Coverage for an extra layer of protection from things besides a collision, including theft. If you lease or finance your car, this coverage may be required.

Yellow car with tree branch stuck in windshield

What is collision insurance?

Coverage for damage to your car caused by hitting another car or object (like a tree or fence). This is an optional coverage in most states, meaning you can choose to add it to your policy.

Do I need collision insurance?

If you don't have it, you could be on the hook for paying for repairs completely out-of-pocket. If your car is new or has good value (or you just don't want a hefty repair bill), collision coverage is probably right for you. Keep in mind, you might be required to have collision insurance if you finance or lease your car.

Yellow and blue car collided

Understand your auto insurance coverage options

Most car insurance companies tell you what they cover, but how does car insurance coverage work if you need to use it? We’ve broken down some common coverages to help make sense of it all.

Real life example
Medical Payments
You’re hurt in a car accident and need to take an ambulance to the hospital. This will help cover the cost.1
Bodily Injury Liability
You’re at fault in a collision where someone hurts their wrist. This can help cover their medical expenses.2
Property Damage
You back out of your driveway and hit your neighbor’s fence (it happens). The cost to repair the fence can be covered.3
New Car Replacement™
You total your car just one month after getting it. We’ll help you get a new one with this coverage.4
Accident Forgiveness
After five 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 your fund towards the cost and you’ll owe less money.6

What kind of car insurance does my state require?

Save money with these auto insurance discounts

The number of discounts we offer is just one reason NerdWallet has named us one of the best car insurance companies of 2020*. Start your auto quote to see how much you can save.


Online Purchase Discount

You could save instantly when you purchase your auto policy online.7

Bundle and SaveLoading...

You could save $842 on customized auto and home insurance.8


Get rewarded for your good driving behavior by saving up to 30% on your policy.9

Paperless Policy Discount

It's a win-win. Good for your wallet and the environment.11

Pay-in-Full Discount

You get a discount for paying for your policy in one or two payments.

Alternative Energy Discount

Friends of the environment are friends of ours. You’ll get a discount if your vehicle is a hybrid or electric.11

Those are just a few of the ways Liberty Mutual helps you save on your car insurance costs. See if you qualify for any other savings opportunities below.

Want to learn more about car insurance?

We can help.
Safe driving 101
Safe driver with both hands on the wheel
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 buying
Car keys being handed to new owner
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.
Auto insurance, when you need it
Two cars that have just collided in an accident
Five important things you should do immediately if you’re in an accident.
What affects your insurance rates?
Woman with her car about to go for a run
Focus on these 5 things to help ensure you can keep your auto insurance rate down.

Begin your free online quote


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Common questions about car insurance

Customer reviews

I would highly recommend Liberty Mutual

5 out of 5 starsStar FilledStar FilledStar FilledStar FilledStar Filled
January 13th, 2021
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
January 10th, 2021
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
December 26th, 2020
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.

They are the best

5 out of 5 starsStar FilledStar FilledStar FilledStar FilledStar Filled
October 20th, 2020
I have been with them for years. They have always given prompt and fair claims service. I had a claim last winter and they took care of me including the rental vehicle

Roadside assistance when my family and I needed it

5 out of 5 starsStar FilledStar FilledStar FilledStar FilledStar Filled
October 18th, 2020
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.12
1Coverage requirements vary by state.
2Minimum requirements vary by state.
3Minimum monetary coverage varies by state.
4Optional coverage in some states; availability varies by state. Eligibility rules apply.
6Optional feature. Applicable to collision coverage only. Subject to terms and conditions. Availability varies by state.
712% Auto Discount: NOT AVAILABLE IN CA, HI, MT, WY, ND, SD, AK, NC. Discount amount varies by state and reflects average savings as applied to certain auto coverages.
8Savings validated by new customers who switched to Liberty Mutual between 1/2020-10/2020 and participated in a countrywide survey. Savings may vary. Comparison does not apply in MA.
9The RightTrack® discount applies only to the base coverages on the participating vehicle, 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 may vary by state and is replaced with a final discount upon completion of a review period. Not available in all states. Coverage provided and underwritten by Liberty Mutual Insurance Company or its subsidiaries or affiliates, 175 Berkeley Street, Boston, MA 02116. ©2022 Liberty Mutual Insurance
11Discounts 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.
12Selected 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