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.

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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.
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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.
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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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