Better Car Replacement Insurance

If your car is totaled, we’ll give you the money for a model that's one year newer.1

What is Better Car Replacement™?

Adding Better Car Replacement coverage to your policy means that when your car is deemed a total loss, we'll give you the money for a replacement car that is one model year newer with 15,000 fewer miles than your current car. For instance, if your old car was a 2019 model with 35,000 miles on it, Liberty Mutual will give you the money for a replacement 2020 model with 20,000 miles on it.

Illustration of a teal car with a yellow bow on the roof.

Customized insurance to help get you a better car after a total loss

Who’s it right for?

This add-on coverage is right for policyholders hoping to protect their newer vehicles in the event of a total loss.
  • Policyholders that own their car; Better Car Replacement is not available for leased cars and motorcycles.
  • Vehicle owners that would prefer to upgrade their vehicle in the event of a total loss.

What are the benefits?

Better Car Replacement helps you fend off your old vehicle’s depreciation in the event of a total loss.
  • A replacement car that’s one model year newer and has 15,000 fewer miles.
  • Avoid owing more money on your totaled car than it is worth.
1Optional coverage in some states; availability varies by state. Eligibility rules apply.