3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Whether your current policy is too expensive or you’ve experienced subpar customer service with your insurer, you don’t have to stay with the same car insurance company forever. In fact, one of the best ways you can save money on car insurance is by shopping for new auto insurance every six months.
Before you cancel your Liberty Mutual car insurance, make sure you secure a new insurance policy to avoid a lapse in your coverage.
Quick Facts
You have to cancel your Liberty Mutual policy over the phone.
In addition to auto insurance, Liberty Mutual also sells property, business, pet, and life insurance.
You need to have car insurance to drive legally in most states. A lapse in coverage can result in fines, license suspension, and higher rates.
How to cancel your Liberty Mutual car insurance policy
You can’t cancel your Liberty Mutual policy online. Instead, you need to contact customer service at 1 (800) 290-8711 to cancel it. Before you call to cancel, take a few steps to review your policy details and set up new coverage.[1]
Follow the steps below if you want to cancel an existing car insurance policy from Liberty Mutual.
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1. Look up your renewal date
Find your renewal date by checking your insurance card or logging into your account via Liberty Mutual’s mobile app or website. You can also speak to an insurance agent, who can verify your renewal date. If you discover the policy renewal date is only a few weeks away, you may decide to stick it out to avoid an early termination fee from Liberty Mutual.
You should always know your policy renewal date to ensure you avoid a lapse in coverage, which can have effects on future insurance rates. Additionally, if you’re uninsured during an at-fault accident, you could face license suspension, fees, and out-of-pocket costs to cover damages and injuries.
Various factors influence car insurance costs, including age, gender, location, claims history, driving record, credit score, the type of car you drive, and the coverages you add. Insurance companies determine your rates based on your risk profile and industry data. Comparing quotes can help you find the lowest rates for coverage that meets your needs.
If you’re canceling your Liberty Mutual insurance policy because it’s too expensive, start your search for a new insurer well before your current policy ends. The Insurance Information Institute recommends obtaining and comparing quotes from at least three different insurance companies.[2] Compare quotes for the same types and amounts of coverage for the most accurate comparison.
3. Secure a new car insurance policy
You can purchase coverage directly from an insurer through its website or by contacting an agent. You can also compare quotes and buy a policy through an independent insurance agency. Have the following information on hand to help expedite the process:
Date of birth
Vehicle identification number (VIN)
Accident history
Payment info, such as your credit card number
Coverage types and amounts
Keep in Mind
Most states allow insurance companies to check credit scores. If you live in one of those states, your insurer will likely pull your credit report while underwriting your policy.
You’ll also need to provide the date you’d like your policy to go into effect. Make sure your new policy begins before your Liberty Mutual policy ends. Never cancel coverage before having new coverage in place.
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Liberty Mutual allows customers to cancel coverage only over the phone. You can’t complete the cancellation process online. You’ll need to call 1 (800) 290-8711 to speak with a customer service representative. The representative may ask for your policy number, reason for cancellation, and new car insurance coverage to proceed.
Liberty Mutual may also attempt to have you reconsider canceling your coverage. However, don’t feel pressured to continue your policy since you’ve already purchased a new policy that better meets your needs.
5. Follow up on your refund
You may qualify for a refund for the unused portion of your premium, especially if you paid for a six- or 12-month policy in full. You can ask about your refund eligibility and estimated arrival time when you cancel your policy with a Liberty Mutual representative. Keep an eye out for your funds, and reach out again after a couple of weeks if you have yet to receive it.
How Liberty Mutual quotes stack up vs. competitors
Compared to other insurers, Liberty Mutual charges relatively high premiums. The company offers a number of discounts and allows policyholders to customize coverage, but it may not work well for everyone. Liberty Mutual has an above-average number of customer complaints filed with the National Association of Insurance Commissioners (NAIC) Complaint Index.
Compare average quotes from top insurance companies below to see which companies can work for your budget if you’re looking to switch insurers.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Allstate
$138
$62
American Family
$174
$77
Auto-Owners
$82
$38
Farmers
$249
$111
GEICO
$119
$54
Progressive
$143
$81
State Farm
$81
$54
Travelers
$197
$90
USAA
$100
$46
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Liberty Mutual Insurance FAQs
Unless you’ve done it before, you may not know where to begin when canceling car insurance. The information below should help answer any remaining questions about canceling your Liberty Mutual car insurance policy.
Does Liberty Mutual charge a cancellation fee?
Depending on the state you live in, Liberty Mutual may charge a cancellation fee. Call customer support at 1 (800) 290-8711 to ask about the conditions or costs associated with policy cancellations.
Can you cancel your Liberty Mutual policy at any time?
Yes. You can cancel your Liberty Mutual policy at any time and potentially receive a refund for unused premiums, depending on where you live and how you paid. However, you may have to pay an early termination fee.
How can you confirm your Liberty Mutual insurance policy is canceled?
The easiest way to check the status of your Liberty Mutual policy cancellation is by logging into your Liberty Mutual account and confirming that your policy is inactive. You can also hop on a phone call with customer support at 1 (800) 290-8711 to verify.
Does Liberty Mutual have a grace period for non-payment?
State laws may require car insurance companies to give grace periods to policyholders before terminating their policy for non-payment — these are usually seven to 30 days.
Should you cancel your Liberty Mutual insurance?
You should cancel your Liberty Mutual insurance if you can find a better price elsewhere, if you experienced unsatisfactory customer service, or if you’d like to bundle multiple insurance products for a discount with another insurance company.
Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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