A cargo liner for a vehicle may include a cargo area portion sized and configured to extend over a horizontally-oriented cargo area of a vehicle. The cover may also include a seatback portion coupled to the lower portion. The seatback portion may be sized and configured to extend upwardly over a seatback of a vehicle seat. The seatback portion may include a first section, a second section, and a third section. Each of the first section, the second section, and the third section may extend from an upper edge of the upper portion to the cargo area portion. The cargo liner may include a guard portion elevating mechanism that is manipulable to cause the guard portion to transition between a lowered state and an elevated state wherein at least a segment of the guard portion proximate the cargo bed portion extends upwardly to provide a rear barrier.