New Car Replacement Insurance

If your new car is totaled in the first year, you’ll get the money for a brand-new car, not just the depreciated value.1

What is New Car Replacement™?

If your totaled car is under one year old and has less than 15,000 miles, New Car Replacement coverage will provide you with the money for a brand new car, not just the depreciated value of your old car.
Brand new car with a bow on the hood.

Customized insurance that protects your new car investment

Who’s it right for?

New Car Replacement coverage is recommended for customers insuring vehicles that are:
  • Less than one year old
  • Have less than 15,000 miles
  • Not a lease (includes motorcycles)

What are the benefits?

Protect your recent vehicle purchase through the first year of ownership.
  • Get money for a replacement car that's the same model year as your totaled car.
  • Don’t worry about replacing your totaled car with an older model of lesser value.
  • Avoid the financial loss associated with owing more money on your car than it is worth.
1Optional coverage in some states; availability varies by state. Eligibility rules apply.