Liberty Mutual Auto Insurance | Car Insurance Coverages

Liberty Mutual Auto Insurance is a Group and American diversified global insurer and the third-largest; property and casualty insurer in the United States. It ranks 75th on the Fortune 100 list of largest corporations; in the United States based on 2018 revenue.

Based in Boston, Massachusetts, it employs over 45,000 people in more than; 900 locations throughout the world. As of December 31, 2019, Liberty Mutual Insurance had $133.644 billion in consolidated assets; $110.025 billion in consolidated liabilities; and $43.228 billion in annual consolidated revenue.

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The company, founded in 1912, offers a wide range of insurance products and services; including personal automobile, homeowners; workers’ compensation, commercial multiple perils, commercial automobile; general liability, global specialty, group disability, fire, and surety.

Liberty Mutual Auto Insurance | Car Insurance Coverages

Based on these ratings, Liberty Mutual is among NerdWallet’s Best Car Insurance Companies for this year.

Liberty Mutual offers standard auto policies to which you can add several types of optional coverage, including;

  • Accident forgiveness. Your premium won’t increase as a result of your first accident if you’ve had no; crashes or traffic violations for five years. This coverage is not available in California and may vary by state.
  • New car replacement. If your car is totaled in the first model year and first 15,000 miles; you’ll be reimbursed for the cost of a new car; not just the depreciated value.
  • Better car replacement. This takes new car replacement a step further; If your car is totaled at any age or mileage; you’ll be reimbursed for a car one year newer and with 15,000 fewer miles on it than your totaled car.
  • Deductible fund. When you add this feature to your policy; Liberty Mutual creates a “fund” to lower your collision deductible. The insurer contributes $70 while you contribute $30 each year.
  • Repair guarantee. If you use an approved shop, Liberty Mutual will guarantee the repairs for as long as you own the vehicle.
  • Gap insurance. If your car is totaled and you owe more on your loan or lease than it was worth, gap insurance will pay the difference.

Teachers’ Auto Insurance is a unique offering from Liberty Mutual. Although it may not be available where you live, it comes at no extra cost to teachers and includes:

  • Vandalism loss protection. No deductible if your vehicle is vandalized during school-related events or on school property.
  • Personal property coverage. Liberty Mutual will reimburse you up to $2,500 per occurrence if your teaching materials; or school-owned property are stolen or damaged while in your vehicle.
  • Collision coverage. There’s no deductible if your car is damaged in an accident while driving; it for school business. (In Pennsylvania, a $100 deductible applies.)


Although Liberty Mutual’s discounts vary by state, the list of potential price breaks is long. You may be eligible for discounts for:

  • Owning a home.
  • Being an active, retired or reserve member of the U.S. military.
  • Getting a Liberty Mutual quote before your current policy expires.
  • For students, earning good grades or leaving the car at home while living away at school.
  • Driving a hybrid or electric car.
  • Having safety features like anti-lock brakes, lane departure warnings and anti-theft devices.
  • Avoiding accidents and traffic violations.
  • Insuring multiple cars.
  • Having more than one Liberty Mutual policy, such as bundling home and auto coverage.
  • Paying your full premium up front or enrolling in automatic payments.
  • Buying a policy online.
  • Receiving paperwork electronically.
  • Being affiliated with certain employers, alumni associations or professional groups.
  • Being a new Liberty Mutual customer.

The RightTrack program: In some states, you can also get a discount for allowing Liberty Mutual to monitor your driving.

An app on your phone and a small device attached to your windshield measure habits like acceleration; braking, distance, and time of day. You get a discount for signing up, which can change later based on how safely you drive during a 90-day evaluation.

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