Yes, Liberty Mutual offers rental car insurance. If you already have a personal auto policy with Liberty Mutual that includes liability, comprehensive, and collision coverage, this insurance will likely extend to cover your rental car. If you only have liability insurance with Liberty Mutual, physical damage to the rental vehicle will not be covered.
You can talk to a Liberty Mutual customer service representative at 1 (800) 290-8711 to see if your personal policy will extend to your rental car. If you do not have sufficient coverage through Liberty Mutual to cover your rental car, you can purchase insurance from your rental car company, or see if it is offered by your credit card company.
Liberty Mutual Rental Car Coverage
Liability Insurance. Liberty Mutual liability insurance will usually extend to your rental as long as you are driving in the U.S. Your personal liability insurance will pay for others' medical expenses and repairs to others' property resulting from an accident you caused in your rental vehicle.
Collision and Comprehensive Insurance. If you have collision and comprehensive insurance with Liberty Mutual, this will typically cover any damage that occurs to the rental vehicle itself during your rental period. However, your Liberty Mutual collision and comprehensive coverage limits may not be high enoughif you are renting a car with a much higher value than your personal vehicle and the car gets totaled.
Personal Injury Protection or MedPay. If you have personal injury protection (PIP) or MedPay through your personal auto policy, medical expenses for you and your passengers will be covered even after a rental car accident. If you do not have either type of coverage, you can purchase personal accident insurance through the rental car company.
Liberty Mutual also offers rental car reimbursement coverage, which helps pay for the cost of a rental car while your personal vehicle is being repaired for a covered claim. If you add rental reimbursement to your policy, Liberty Mutual will pay about $30 to $90 toward the cost of your rental, up to 30 days. You select specific rental car reimbursement limits when you purchase the add-on. For example, if you choose $25 per day/$600 per loss as your rental reimbursement limits, Liberty Mutual will pay up to $25 per day, but no more than $600 per claim for your rental. Allstate also offers discounts from rental companies like Enterprise and Hertz to make your coverage stretch even further.
To learn more, check out reviews of Liberty Mutual on WalletHub, as well as our guide to rental car insurance.