Liberty Mutual Auto Insurance
Explore Liberty Mutual auto insurance coverage, discounts, RightTrack, Accident Forgiveness, vehicle replacement options, claims services and other features designed to help drivers customize their car insurance.
Liberty Mutual Car Insurance at a Glance
Liberty Mutual offers customizable auto insurance coverage, discounts and optional features, with availability and eligibility varying by state and policy.
Customized auto insurance for different drivers
Liberty Mutual provides a broad range of auto insurance coverages, including liability, comprehensive, collision, uninsured motorist and personal injury protection options.
The company also offers optional features such as Rental Car Reimbursement, Gap Coverage, Original Parts Replacement, Accident Forgiveness, New Car Replacement, Better Car Replacement, 24-Hour Roadside Assistance and other protections.
Liberty Mutual says customers can customize their coverage and look for discounts based on their driving history, vehicle, payment preferences and other qualifying factors.
Potential RightTrack savings
Liberty Mutual says safe drivers participating in RightTrack could save up to 30% on their auto policy. Riskier driving behavior may result in a premium increase.
Liberty Mutual Auto Insurance Coverage
Liberty Mutual offers core auto insurance protections along with optional coverage designed for different vehicles and driving situations.
Bodily Injury Liability
Helps cover qualifying injuries you cause to other people when you are legally responsible for an accident, subject to policy limits.
Core CoverageProperty Damage Liability
Helps pay for qualifying damage to another person’s property when you are legally responsible for a covered accident.
Core CoverageComprehensive Coverage
Covers qualifying damage to your vehicle from incidents other than collision, such as theft, weather and other covered events.
Vehicle ProtectionCollision Coverage
Helps pay for qualifying damage to your vehicle when it collides with another vehicle or object.
Vehicle ProtectionUninsured Motorist
Can provide protection for qualifying injuries when the other driver does not have insurance, subject to state requirements and policy limits.
Driver ProtectionPersonal Injury Protection
PIP can help address qualifying medical expenses resulting from an accident, depending on state requirements and policy terms.
Medical CoverageRental Car Reimbursement
Helps pay eligible rental vehicle expenses after a covered loss while your vehicle is being repaired, subject to selected limits.
OptionalGap Coverage
Can help cover the difference between what you owe on a qualifying vehicle loan and the vehicle’s value after a covered total loss.
OptionalOriginal Parts Replacement
An optional coverage designed to help with qualifying repairs using original manufacturer parts, subject to policy terms.
Repair Protection24-Hour Roadside Assistance
Optional roadside assistance can provide services such as towing, jump starts, emergency fuel delivery, flat-tire changes and vehicle lockout assistance.
AssistanceNew Car Replacement
For qualifying vehicles that are stolen or totaled during the first year and before reaching 15,000 miles, this coverage can provide the amount needed for a brand-new vehicle of the same make and model.
OptionalBetter Car Replacement
If a qualifying vehicle is totaled, Better Car Replacement can provide money for a replacement vehicle that is one model year newer with 15,000 fewer miles.
OptionalLiberty Mutual Car Insurance Discounts
Liberty Mutual lists a wide range of discounts for drivers, vehicles, policies and payment preferences.
| Discount | How It May Apply |
|---|---|
| Homeowner Discount | Homeowners may qualify for savings on their auto insurance. |
| Military Discount | Liberty Mutual offers a discount for qualifying active, retired and reserve members of the U.S. Armed Forces. |
| Early Shopper Discount | Drivers who obtain a quote before their current policy expires may qualify for savings when they switch. |
| Good Student Discount | Qualifying students with a B average or better may receive a discount. |
| Student Away at School | A discount may apply when a qualifying student is away at school and only occasionally drives the insured vehicle. |
| Claims-Free Discount | Drivers with a qualifying claims-free history may be eligible for savings. |
| Violation-Free Discount | Drivers with a qualifying violation-free driving history may receive a discount. |
| Multi-Policy Discount | Customers with multiple eligible policies may qualify for a bundle-related discount. |
| Multi-Car Discount | Insuring multiple vehicles with Liberty Mutual may qualify for savings. |
| Preferred Payment Discount | Qualifying automatic payments or paying the policy in one or two payments may provide savings. |
| Online Purchase Discount | Customers who purchase qualifying auto insurance online may receive a discount. |
| Paperless Discount | Customers who choose paperless policy documents may qualify for savings. |
| RightTrack | Qualifying drivers can participate in Liberty Mutual’s safe-driving program and potentially save based on driving behavior. |
Liberty Mutual RightTrack
RightTrack uses driving information to evaluate driving behavior and can provide savings to qualifying safe drivers.
Drive safely and potentially save
Liberty Mutual’s RightTrack program is available through the Liberty Mutual Mobile app. The program evaluates driving behavior and provides a driving score.
Liberty Mutual says safe drivers can save up to 30% on their auto policy. The company also states that increased risk factors can result in a premium increase.
Maximum advertised safe-driving savings
Liberty Mutual says participating safe drivers could save up to 30% on their auto policy.
- Participation discount may apply when you enroll.
- Safe driving can produce additional savings.
- Driving scores are reviewed at renewal.
- Riskier driving may result in a premium increase.
Liberty Mutual Accident Forgiveness
Qualifying customers may add Accident Forgiveness to help protect their premium after a first at-fault accident.
Years of clean driving
Liberty Mutual says drivers may qualify after maintaining five consecutive years without accidents or violations, subject to eligibility requirements.
How Accident Forgiveness works
Accident Forgiveness is an optional coverage. For qualifying customers, Liberty Mutual states that the premium will not increase because of the customer’s first accident after the coverage is in place.
- May be available to drivers with five years of accident-free driving.
- Liberty Mutual also requires a qualifying violation-free driving history.
- Once enrolled, the coverage can protect the rate after a qualifying first accident.
- Availability and eligibility vary by state and policy.
- Liberty Mutual states that Accident Forgiveness is not available in California.
More Liberty Mutual Auto Insurance Options
Depending on your policy and location, Liberty Mutual provides several additional features and optional protections.
New Car Replacement
For qualifying new vehicles that are stolen or totaled during the first year and before 15,000 miles, the coverage can provide the amount needed for a brand-new vehicle of the same make and model.
Better Car Replacement
When a qualifying vehicle is totaled, Liberty Mutual says this coverage can provide money for a replacement car that is one model year newer with 15,000 fewer miles.
Liberty Mutual Deductible Fund
Eligible auto customers can participate in the Deductible Fund, which can lower the amount they pay toward a qualifying deductible over time.
Lifetime Repair Guarantee
Liberty Mutual lists Lifetime Repair Guarantee among its available auto insurance features, subject to applicable terms and participating repair facilities.
24-Hour Roadside Assistance
Optional roadside assistance can provide towing, jump starts, emergency fuel delivery, flat-tire changes and vehicle lockout assistance.
Original Parts Replacement
This optional protection can help provide original manufacturer parts for qualifying covered repairs, subject to policy terms and availability.
How Liberty Mutual Auto Claims Work
Liberty Mutual provides online and mobile tools for filing, tracking and managing auto insurance claims.
File Your Claim
Liberty Mutual says an online auto claim can typically be filed in 5–10 minutes using basic incident information.
Review the Damage
Damage and injuries are reviewed. In some cases, customers can provide photos for an estimate.
Repair the Vehicle
Liberty Mutual can provide an estimate and help coordinate repairs through its network of participating repair shops.
Track Your Claim
Customers can track claim progress, upload information and manage their claim online or through the mobile app.
Liberty Mutual Mobile App
Liberty Mutual provides mobile tools for managing policies, claims, payments and digital insurance documents.
Manage Your Policy
The Liberty Mutual app allows customers to manage several parts of their auto insurance account from a mobile device.
- Access policy documents
- Manage payment preferences
- Make policy changes
- Download digital ID cards
Manage Auto Claims
Customers can use the app to file and track claims, upload damage photos and request roadside assistance.
- File a claim
- Track an existing claim
- Upload photos for estimates
- Request roadside assistance
Explore Liberty Mutual Auto Insurance
Visit Liberty Mutual to review available coverage, discounts, quote options and eligibility based on your state and circumstances.
Liberty Mutual Auto Insurance FAQ
Answers based on information published by Liberty Mutual.
What types of auto insurance does Liberty Mutual offer?
Does Liberty Mutual offer car insurance discounts?
What is Liberty Mutual RightTrack?
Does Liberty Mutual offer Accident Forgiveness?
What is Liberty Mutual New Car Replacement?
What is Better Car Replacement?
Does Liberty Mutual offer roadside assistance?
How do I file a Liberty Mutual auto insurance claim?
Is Liberty Mutual auto insurance available in every state?
Liberty Mutual Official Sources
Additional information is available directly from Liberty Mutual.
Disclaimer: This page is for informational purposes only and is not an insurance policy, quote, offer or contract. Coverage, discounts, rates, eligibility, limits, exclusions and availability can vary by state and individual circumstances. Liberty Mutual is the source of the company-specific information referenced on this page. For current terms and availability, contact Liberty Mutual or a Liberty Mutual representative.