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 is Better Car Replacement coverage 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 of better car replacement coverage?

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.

Begin your free online quote

Other insurance coverages for your car


Collision Insurance Coverage

Repairs or replaces your car when it's damaged in collisions with another vehicle or object.


Comprehensive Insurance Coverage

Add-on protection for non-collision incidents that damage your vehicle.


Liberty Mutual Deductible Fund

Save for the unexpected by lowering your deductible each year. Call us today to add it to your existing policy or begin your customized auto quote below.


Lifetime Repair Guarantee

We'll help you find an approved direct repair facility as a result of an accident.


New Car Replacement Insurance

If your new car is stolen or totaled in the first year, you’ll get the money for a brand-new car, not just the depreciated value.


Rental Car Reimbursement

Customized coverage that covers your rental car expenses in the event of a covered accident.


24-Hour Roadside Assistance

Learn about 24-hour Roadside Assistance from Liberty Mutual, always here for you in case of an emergency.


Gap Coverage

If your car is totaled or stolen, and its value is lower than the amount remaining on your loan, Gap Coverage will cover the remaining amount you owe.


Original Parts Replacement

Replace any damaged parts to your vehicle with parts that meet the highest quality standards.


Teachers' Auto Insurance

Receive exclusive savings on auto insurance. It's our way of showing appreciation for the difference you make.


Mexico Car Insurance

Auto coverage for driving south of the border. Learn more about how and when to temporarily add Mexico Car Insurance to your policy.

1Optional coverage in some states; availability varies by state. Eligibility rules apply.