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.
Enroll now

How it works

  • First, what is a deductible? It’s the initial amount toward a claim before coverage kicks in (even if you’re not at fault).
  • You pay $30 as part of your yearly premium toward your Deductible Fund.
  • Liberty Mutual lowers your deductible by $100 every single year.
  • The money in your fund will reduce the balance you pay out-of-pocket if you have a claim.

Note: After year 5, you’ll continue to earn and save beyond the $500.

Breakdown of how much you can with Liberty Mutual's Deductible Fund coverage

Deductible Fund in action

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Enroll in Deductible Fund

If you're an existing customer, call us to get enrolled. If you're new here, get an auto quote online in under 5 minutes.

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Save on your deductible

Once the claim is filed, you'll be required to pay your insurance deductible. This deductible will be reduced by the balance in your Deductible Fund.

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Check your deductible balance

Use your Deductible Fund to reduce the cost of your original deductible, so you pay less out-of-pocket.

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Renews automatically

If you need to use your entire fund, your Deductible Fund will reset automatically at renewal.

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Watch your fund grow

Your fund will continue to build each year, so the money in your Deductible Fund is there for you whenever you need it.

Begin your free online quote

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Ready for a quote?

Other insurance coverages for your car

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Collision Insurance Coverage

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

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Comprehensive Insurance Coverage

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

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Lifetime Repair Guarantee

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

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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.

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Better Car Replacement Insurance

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

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Rental Car Reimbursement

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

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24-Hour Roadside Assistance

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

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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.

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Original Parts Replacement

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

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Teachers' Auto Insurance

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

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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.