How to Cancel Liberty Mutual Insurance (2022)
The Liberty Mutual cancellation policy allows drivers to end coverage whenever they wish. However, a cancellation fee may be charged depending on where you live. Although it’s easy to cancel Liberty Mutual auto insurance, it may not be necessary. Update your policy instead of canceling if you’ve moved, bought a new car, or changed marital status. If you do cancel Liberty Mutual, have new coverage in place before your policy ends to avoid a costly lapse in coverage.
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UPDATED: Feb 26, 2022
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- The Liberty Mutual cancellation policy allows you to end your coverage at any time for any reason
- Liberty Mutual insurance may charge a cancellation fee
- Take advantage of discounts to get lower rates if you like your Liberty Mutual insurance
There are many reasons you need to understand the Liberty Mutual cancellation policy, such as selling your car or finding cheaper coverage with another company.
Although you can cancel Liberty Mutual insurance at any time, you may be charged a fee to terminate your policy early. However, you will get a refund if you’ve paid in advance.
Liberty Mutual is one of the largest auto insurance companies in the U.S. and has provided coverage for more than 100 years. The company offers drivers confidence in its products, so you may not want to cancel but need cheaper rates. We can help with that, too.
Read our Liberty Mutual auto insurance review to learn more about the company and the coverages offered.
If you cancel Liberty Mutual insurance, you need to have new coverage in place. Compare multiple auto insurance companies to find the best coverage with the lowest prices.
Keep reading to learn about the Liberty Mutual cancellation policy. If you’re ready to shop for new coverage, enter your ZIP code to compare free auto insurance quotes from companies in your area.
What is the Liberty Mutual cancellation policy?
Liberty Mutual allows you to cancel your policy at any time, but you may be charged a cancellation fee depending on where you live.
You can’t cancel online, so you need to contact Liberty Mutual by phone to end your coverage. Call the Liberty Mutual contact number 1-800-290-8711 with your policy number and the date you want coverage to end.
You can also contact your local agent and fill out an insurance cancel form with your policy information.
While there are many reasons to cancel Liberty Mutual auto insurance, high rates are the most common. We can show average rates from some of the top auto insurance companies in the country for comparison.
Take a look at this table to compare Liberty Mutual’s average auto insurance rates based on coverage type with other top companies.
|Company||Average Annual Rates for Low Coverage||Average Annual Rates for Medium Coverage||Average Annual Rates for High Coverage|
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Liberty Mutual has the most expensive average rates, no matter the coverage type. The good news is that there are ways to lower your rates. Keep reading to learn more.
If you’ve had a life change, such as moving, selling your car, or a change in marital status, you don’t have to cancel Liberty Mutual insurance. Simply update your policy information instead. However, keep in mind that your rates may change as well.
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What are the steps to cancel Liberty Mutual auto insurance?
If you decide to cancel Liberty Mutual, there are some steps you can take to make the process as easy as possible.
Steps to canceling Liberty Mutual insurance include:
- Find out when your policy expires. If you are charged a cancellation fee, switch companies when your policy ends to save money.
- Shop for new coverage. Every company offers different coverages and rates. Compare multiple companies to find the coverage you need with the lowest rates.
- Get your new policy in place. Decide when you want your new coverage to start and activate your new policy.
- Let Liberty Mutual know you’re leaving. Call customer service to cancel your coverage. Make sure your end date is a day or two after your new coverage begins to avoid a lapse in coverage.
- Follow up on your refund. If you’ve paid for your Liberty Mutual coverage in advance, you may be entitled to a refund for the unused portion.
You must have new coverage in place before your Liberty Mutual policy ends. According to the Insurance Information Institute, a lapse in auto insurance can lead to fines, having your car impounded, and a suspended driver’s license.
A lapse in coverage can also result in higher auto insurance rates when you get coverage again. This is because insurance companies like to see continuous coverage and charge higher rates if you have a gap.
How can you save on Liberty Mutual auto insurance?
If you like your Liberty Mutual coverage, but the rates are too high, there are some ways you can lower your rates and keep your coverage.
Auto insurance discounts are a great way to save money. Liberty Mutual offers various discounts based on the driver, vehicle, and policy. Bundle them for the most significant savings.
This table shows you Liberty Mutual auto insurance discounts. The amount of the savings is listed if it’s available.
|Auto Insurance Discounts||Liberty Mutual (%)|
|Adaptive Cruise Control||5|
|Daytime Running Lights||5|
|Electronic Stability Control||5|
|Forward Collision Warning||5|
|Lane Departure Warning||x|
|New Customer/New Plan||x|
|Students & Alumni||10|
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Another way you can save is to lower coverage and raise deductibles. So although you will have to pay more out of pocket if your car is damaged, your overall rates will be lower.
Try RightTrack from Liberty Mutual to lower your rates. RightTrack monitors driving behaviors such as mileage and nighttime driving and offers a discount of up to 30% for safe driving.
Liberty Mutual Cancellation Policy: The Bottom Line
The Liberty Mutual cancellation policy allows you to cancel coverage at any time. However, you may be charged a fee for ending your policy early.
You don’t have to cancel Liberty Mutual if you’ve moved, bought a new car, or changed marital status. So update your policy instead of canceling.
If Liberty Mutual rates are too high, take advantage of discounts, lower coverage, and raise deductibles to save money.
Since most states require at least a minimum amount of insurance, be sure to have new coverage in place before you cancel Liberty Mutual car insurance.
Now that you know how to cancel Liberty Mutual, you’re ready to shop for new auto insurance. Enter your ZIP code to compare free auto insurance quotes from companies near you to find your best deal.