Auto Insurance Like you've never seen it before
your situation as individual as you - and now you can get an insurance policy to match. Liberty Mutual auto insurance options, benefits and discounts mean you can get the protection you need, at prices you deserve.
Helping you find the best coverage to fit your needs.
Not all car insurance is the same. Sure, there is a minimum level of coverage that all auto insurance companies offer – liability coverage for example - but there are also additional types of coverage that you can include on your policy to add an extra level of protection. Let's cut through the jargon and walk through some of the more popular coverage options.
Liberty Mutual goes above and beyond to make sure you're protected. From coverage like New Car Replacement, which is included on all car insurance policies, to Unlimited3 Rental Coverage, which you can choose to add to your policy whenever you'd like, we want to make sure you're confident in the coverage you choose.
It's said that a car starts depreciating the minute you drive off the lot. But with New Car Replacement, if your new car is totaled in the first year and within the first 15,000 miles, you'll get the money for a brand new car – not just the depreciated value.
Even if your car is no longer new, you can still treat it like it is. With this optional coverage, if your car is totaled we'll give you the money to replace it with a car that is one model year newer and has 15,000 fewer miles on it.
No two auto insurance policies are the same, but most policies will include some variation of the following standard coverage.
Insurance Policies are About More Than Just Coverage
Your auto insurance policy includes more than just coverage for your vehicle. It may also include some added benefits (some that are standard, some you can add) that can help make your insurance experience as hassle-free as possible.
If you've been accident and violation-free for 5 years (no matter what insurance carrier you've been with), we won't raise your rates due to your first accident. If you qualify, you'll receive this benefit at no extra cost.
Paying your bill should be quick and easy; whether over the phone, online or through our mobile app, there are a number of options at your disposal. Have your payments deducted automatically from your checking or savings account (Electronic Funds Transfer), pay by credit card, mail us a check – you decide.2
Call 1-888-398-8924, Mon.-Fri. 8 am-10 pm ET, Sat. 8 am-8 pm ET, Sun. 11 am-5 pm ET.
Manage Your Policy Online
Make or schedule a payment, switch to paperless delivery, update policy information, track claims status, view transaction history and more with our online services. Register for eService today to begin managing your auto, home and life insurance policies from your computer or mobile device.
your situation as individual as you - and now you can get an insurance policy to match. Liberty Mutual auto insurance options, benefits and discounts mean you can get the protection you need, at prices you deserve.
Car Insurance Coverage
Not all car insurance is the same. Sure, there is a minimum level of coverage that all auto insurance companies offer – liability coverage for example - but there are also additional types of coverage that you can include on your policy to add an extra level of protection. Let's cut through the jargon and walk through some of the more popular coverage options.
Superior Protection
Liberty Mutual goes above and beyond to make sure you're protected. From coverage like New Car Replacement, which is included on all car insurance policies, to Unlimited3 Rental Coverage, which you can choose to add to your policy whenever you'd like, we want to make sure you're confident in the coverage you choose.
New Car Replacement
It's said that a car starts depreciating the minute you drive off the lot. But with New Car Replacement, if your new car is totaled in the first year and within the first 15,000 miles, you'll get the money for a brand new car – not just the depreciated value.
Better Car Replacement
Even if your car is no longer new, you can still treat it like it is. With this optional coverage, if your car is totaled we'll give you the money to replace it with a car that is one model year newer and has 15,000 fewer miles on it.Unlimited Rental Coverage
If you are ever in an accident, you can rely on our optional Unlimited Rental Coverage to pay your rental costs for as long as it takes to fix your car, when you choose to have your car repaired at a Liberty Mutual-approved repair facility.Deductible Fund
This optional policy add-on can help lower your collision deductible and reduce the money you pay out-of-pocket in the event of a claim. When you add the Deductible Fund to your policy, Liberty Mutual will immediately put $100 into the fund to get it started.Teachers Auto Insurance
If you're a teacher, you can get additional coverage to protect your vehicle and any teaching tools inside the car whether they're personally owned or were bought by your school – as long as they're in the car for school-related business.
Standard Coverage
No two auto insurance policies are the same, but most policies will include some variation of the following standard coverage.Bodily Injury Liability
Bodily Injury Liability covers you in the event that you cause an auto accident in which another person (or people) is injured.Property Damage Liability
Property Damage Liability gives you coverage in case your car damages someone else's property - usually this means someone else's car, but it could be a fence, light post or other piece of property.Medical Payments
Medical Payments covers certain medical expenses if any vehicle occupants are injured in an accident.Collision Coverage
Collision Coverage is an optional coverage that covers damage to your car caused by impact with another car or object.Comprehensive Coverage
Comprehensive Coverage is also an optional coverage that covers damages to your car caused by something other than a collision - like theft, fire, etc.
Car Insurance Benefits
Insurance Policies are About More Than Just Coverage
Your auto insurance policy includes more than just coverage for your vehicle. It may also include some added benefits (some that are standard, some you can add) that can help make your insurance experience as hassle-free as possible.
Accident Forgiveness
If you've been accident and violation-free for 5 years (no matter what insurance carrier you've been with), we won't raise your rates due to your first accident. If you qualify, you'll receive this benefit at no extra cost.Lifetime Repair Guarantee
If your car is in an accident covered under your policy, you can have it fixed at one of our approved repair shops and the repairs will be guaranteed for as long as you own your vehicle.24-Hour Roadside Assistance
If your vehicle ever breaks down, we won't leave you stranded. From a jump-start to a tow, our optional 24-Hour Roadside Assistance coverage will get you moving again - we'll even make the arrangements.12-Month Rate Guarantee
Many auto insurance policies only last 6-months. This means that your rate can change after only half a year. At Liberty Mutual, our policies are for a full-year - guaranteeing your rate for an entire year.
Convenient Payment Options
Paying your bill should be quick and easy; whether over the phone, online or through our mobile app, there are a number of options at your disposal. Have your payments deducted automatically from your checking or savings account (Electronic Funds Transfer), pay by credit card, mail us a check – you decide.2After-Hours Policy Services
Have a policy or billing question, or need to change your policy? You can call our customer service representatives for expert help with questions regarding your policy and billing after normal business hours and on weekends.Call 1-888-398-8924, Mon.-Fri. 8 am-10 pm ET, Sat. 8 am-8 pm ET, Sun. 11 am-5 pm ET.
Manage Your Policy Online
Make or schedule a payment, switch to paperless delivery, update policy information, track claims status, view transaction history and more with our online services. Register for eService today to begin managing your auto, home and life insurance policies from your computer or mobile device.
Car Insurance Discounts
Rewarding you with savings for affordable car insurance.
When you get a car insurance quote from Liberty Mutual, we'll help you find the discounts you qualify for, such as savings connected to your vehicle and driving record, employer, professional association, or alumni group. Qualifying for these discounts can save you even more on our already competitive car insurance rates.
Your Policy
Multi-Policy Discount
If you have more than one policy with us, you get additional protection and savings.
Exclusive Group Savings
If you are a member or employee of any of the more than 14,000 employers, groups, credit unions or alumni associations that are a part of Liberty Mutual's affinity program, you could be eligible for exclusive group savings.
Preferred Payment Methods Discount
With several convenient billing options, you can choose what works best for you. Plus, you could get special savings when you pay your bill in full or choose one of our automatic payment methods.
New to Liberty Mutual Vehicle Discount
When you add or change a vehicle on your policy, you'll not only enjoy personalized service and expert advice, you'll receive savings on your premium.
Your Vehicle
Vehicle Safety Features Discount
You could receive auto insurance savings because of some of the standard safety features in your car, such as anti-theft and anti-lock brakes, as well as innovative features including adaptive cruise control, lane departure warning and collision preparation systems.
Hybrid Vehicle Discount
Preserving the environment is important. That's why we offer special savings to customers who insure hybrid cars.
Multi-Car Discount
It pays to have multiple cars listed on the same policy. Our Multi-Car Discount ensures you receive the best value and minimize the hassle of managing your auto insurance. For more information, go to our Multi-Policy Discount page.
Your Road Through Life
Teen Driver Discount
Our teen driver discounts can help keep your rates down while rewarding your teen for responsible driving.
Good Student Discount
Students who are under the age of 25 and achieve at least a B average get special savings on car insurance.
New Graduate Discount
Once you've completed your studies, get the right level of protection with special savings for new graduates.
Newly Married Discount
Get the right coverage with special savings for newlyweds.
New Move Discount
Let us help make your moving process easier with special savings just for updating your policy with your new address.
Newly Retired Discount
Now that you're retired, get the right coverage with special savings for new retirees.
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