Collision Insurance Coverage

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

What is Collision Insurance Coverage?

Collision Insurance is coverage that pays the cost of repairing or replacing your vehicle if it is damaged in an accident, regardless of who is at fault.

This includes collisions with another vehicle or an object, like a guardrail or a tree.

Illustration: Two cars that have collided with smoke coming out of their hoods.

Customized insurance that protects your new car investment

Do I need Collision Insurance?

Collision coverage is right for vehicle owners who drive a car worth protecting. This includes:
  • Vehicles that are being leased or financed.
  • Newer, more expensive vehicles.
  • Older vehicles that still maintain good value, relative to your deductible and monthly rate.

What are the benefits of collision insurance?

When you choose collision insurance, you can drive knowing your car is covered in the event of an accident.
  • Avoid paying out-of-pocket for repairs above the cost of your deductible.
  • Coverage for your loss when your damaged vehicle is deemed to be totaled.
  • Potentially pay nothing at all for repairing or replacing your vehicle when adding Liberty Mutual Deductible Fund® alongside your collision insurance coverage.

How do I choose my collision deductible?

When deciding on the amount of your deductible, consider:

  • The cost of your car and its potential corresponding repairs.
  • Your willingness to pay for repairs under the amount of the deductible.

Having a higher collision deductible means that you will cover more of the cost of repairs when they arise, which in turn lowers your monthly premium. Having a lower monthly premium is convenient but can put you at risk in the time of need.

What kind of car insurance does my state require?

Want to learn more about a state’s specific auto insurance requirements? Choose a state to see a summary of the coverage requirements and some optional coverages to consider based on location.

When you get a car insurance quote, we’ll make sure you get the auto insurance coverage required where you live. Then, you can customize your coverage, so you only pay for what you need.

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Other insurance coverages for your car


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.


Better Car Replacement Insurance

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


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.