Liberty Mutual auto insurance coverage
Liberty Mutual offers different types of coverage and allows you to customize your policy from a variety of choices and add-ons so you only pay for what you use.[3]
Comprehensive
This type of car insurance covers damage from noncollision incidents related to falling objects, hail, vandalism, natural disasters, and more. You might be required to purchase this coverage if you have an auto loan or lease. Liberty Mutual customers pay an average of $284 per month for comprehensive coverage.
Liability
Most states require liability coverage, which covers costs when you cause bodily injury or damage to others’ property with your vehicle. It covers the medical payments and other costs if you hurt someone else with your car. The national average premium for Liberty Mutual’s liability-only coverage is $198.
Collision
This covers damage to your vehicle due to an accident (or replaces it), regardless of fault. It also covers car damage when you run into an object, such as a tree or guardrail. Collision insurance protects you no matter what type of accident you have. As your car declines in value, the cost of collision coverage might be more than you want to pay.
Personal injury protection
If you’re injured in an accident — no matter who’s at fault — Liberty Mutual will help cover your hospital and medical bills, as well as rehabilitation costs, lost income, and more if you have this coverage.
Uninsured motorist
This coverage will provide you with money to pay medical bills and help you cover the cost to repair or replace your car if an uninsured motorist causes an accident.
Rental car reimbursement
If vehicle damage from an accident temporarily prevents you from driving your car, this coverage allows you to use a rental car, up to the limit of your coverage.
Accident forgiveness
Liberty Mutual offers additional coverage that protects you from seeing an increase in your premium after your first accident. Most insurance companies immediately raise your rate after an accident. To qualify, your driving record needs to have been free of accidents and violations for the last five years.
Better car replacement
You can buy this add-on coverage to ensure that if you total your car, you’ll be able to get the most recent model to replace it.
Teachers’ auto insurance
One of Liberty Mutual’s add-ons, this coverage provides teachers savings through coverage with no deductible for collisions that occur while driving on school business or for vehicle damage from vandalism on school property.
How to get a car insurance quote from Liberty Mutual
When you’re ready for a car insurance quote, you can use the Insurify quote-comparison tool to help you compare Liberty Mutual to other insurance companies.
Enter your ZIP code. Entering your ZIP code will show you which auto insurers offer coverage in your area. You can also call an Insurify agent at 1 (866) 334-9627 for assistance.
Be ready with your desired coverage information. You’ll need to enter information regarding how many vehicles you want to insure, as well as the vehicle types, your driving habits, and your driving record.
Gather documentation. For accurate quotes, you need to provide specific information about your car and ability to drive, including your driver’s license number, license plate number, vehicle purchase date, vehicle identification number (VIN), current odometer reading, and any current insurance policy information.
Once you provide this information, Insurify will provide you with eligible policy options and quotes. You can compare this information to figure out whether Liberty Mutual will work best for you.
Liberty Mutual car insurance cost by state
Influenced by a number of area-based factors, auto insurance premiums vary by state. For example, the number of car break-ins, accidents, and crime in a ZIP code factors into insurance costs, as well as an area’s weather, population density, and road conditions.
Find average monthly quotes for full-coverage and liability-only insurance from Liberty Mutual in 15 of the most populated states below.
Actual quotes may vary based on the policy buyer's unique driver profile.
Liberty Mutual auto insurance rates by driving history
Your driving history can have a big effect on your insurance rates. Driving violations on your record, such as a speeding ticket, at-fault accident, or citation for driving under the influence (DUI), will likely cause an increase in your premiums. Drivers with clean records typically earn the lowest monthly premiums.
The table below shows the average monthly quotes for full-coverage and liability-only insurance from Liberty Mutual, based on driving history.
Quote Price by Driving Record
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Liberty Mutual car insurance cost by age
As you age, your insurance premiums will likely decrease over time. Teenagers and drivers under 25 tend to pay the highest car insurance rates due to less driving experience, but premiums typically drop significantly when you reach age 30. Older drivers, specifically those in their 60s and 70s, typically earn the lowest premiums.
Find average monthly quotes for coverage with Liberty Mutual by driver age below.
Quote Price by Age Group
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Learn More: Compare Car Insurance by Age and Gender
Liberty Mutual car insurance discounts
An auto insurance discount can lower the cost of your policy. Make sure you find out what you qualify for because you might be eligible for more than one discount. You could save hundreds of dollars a year as a result of discounts.
Military: Active, retired, or reserve service members in the U.S. Armed Forces are eligible for a discount.
Good student: If you’re in school with a B average or higher, you’re eligible. If your plan includes a covered student, including someone away at school, they might be eligible for the good student discount.
RightTrack: Enroll in this discount program and download an app that will help track your driving habits. After 90 days, you could see a total discount of up to 30%.
Multi-car: If you have more than one car, you can get a discount for insuring them all with Liberty Mutual.
Paperless policy: Opt out of receiving paper statements to earn a small discount.
Preferred payment: Setting up automatic payments from your bank account results in a lower monthly premium.
Liberty Mutual Insurance bundling options
Bundling describes the process of purchasing two different policies with the same company. When you bundle insurance policies, you have the potential to save money on both policies. Liberty Mutual allows you to bundle your car insurance with a homeowners, renters, or condo policy. This can help you streamline your finances by putting multiple policies in one place. The company claims you can save up to $947 a year by bundling your home and auto insurance policies.
