Car insurance coverage

The  risk comes standard with life, so you need an insurance company that is up to the task to protect you from the unknown.

Every insurance policy is Liberty Mutual Auto's standard coverage and features designed to protect you from financial losses, meet your state's requirements and reduce concerns in case of accident or claim.

But often, your unique situation means that their protection needs to be expanded. We offer additional coverage options and features that can be easily added to your policy so that you can live with the confidence of having the maximum amount of protection you need in case of disaster.
Explore the standard and additional coverage types and features that offer below or easily launch an offer if you know what coverage is right for you.
Types and characteristics of insurance coverage

Our coverage and standard policy features are designed to cover common events and meet the minimum requirements of your state, while our coverage and additional features are designed to provide protection beyond that. Explore the standard coverage and more of Liberty Mutual and the features below to find out how we can deliver the right policy that suits your needs.

Standard coverage in every auto insurance policy

Liability for bodily injury
If you are causing a car accident in which one or more people are injured, this coverage will pay for your injuries. Learn more about liability for personal injury

Liability for damage to property
If your car damages someone else's property, this coverage will pay for the repair or replacement costs. This often makes reference to someone else's car, but could also be another item like a fence or mailbox. More on liability for property damage

Medical payments
If one of the occupants of your car is injured in an accident, it pays for their initial medical expenses. More information on medical expense coverage

Additional coverage for better protection

Add the following protections and policy features of your standard auto insurance will provide the protection you need.

Collision Coverage
If your car is damaged by a shock with another car or object, it pays the cost of repairs. More information on collision coverage

Full coverage
If your car is damaged by something other than a collision, like theft or a fire, it pays the cost of repairs. Learn more about full coverage

The accident pardon
Pardon accident, its price will not increase due to its first accident. We offer this benefit if you are free of accidents and rape for five years, whether you have been with Liberty Insurance Mutual or a before.1 insurer.

New car replacement
If your car is considered a total loss, you will not be content with its depreciated value. We give you money for a new car if your car has Totaled less than a year and has less than 15,000 miles on IT.2 More on new car replacement

Best Replacement Car ™
If your car is considered a total loss, we will give you money for a better car to be a more recent model year with 15,000 miles, less not only the depreciated value of your old car.

Car rental reimbursement
When you are involved in an accident it pays the cost of a rental car for the time it takes to repair your car in a repair shop approved by Liberty Mutual.4 More details on the car rental refund

Additional features for better protection

Funds ™ Franchise
When added to your policy, this reduces the amount of your collision deductible and pocket money paid in case of disaster. Liberty Mutual immediately $ 100 to the bottom to start. Learn more about the Franchise Fund

Life warranty repair
When you choose your vehicle is in a network installation repair warranty, warranty repairs posea.5 More on lifetime warranty repair

Master of insurance
Discounts and exclusives designed with the needs of educators in mind. Learn more about Master Assurance Auto
Coverage for each location

The requirements for automobile insurance differ from one state to another. Liberty Mutual can guide a policy that meets legal standards