How to Cancel Liberty Mutual Auto Insurance

The Liberty Mutual cancellation policy allows you to easily end your coverage whenever you want. However, you may be charged a fee for canceling your policy early, depending on where you live. Drivers who move or buy a new car don’t have to cancel coverage but can update their current policy instead. If you decide to cancel Liberty Mutual car insurance, have new coverage in place to avoid an expensive lapse in insurance.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 15, 2022

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Things to Know

  • The Liberty Mutual cancellation policy allows drivers to cancel at any time
  • A fee may be applied if you cancel Liberty Mutual early
  • You must call Liberty Mutual customer service to cancel coverage

There are many reasons you may need to cancel Liberty Mutual auto insurance, such as selling your car or finding lower rates with another company.

Canceling Liberty Mutual insurance is easy, but you might not have to end your policy early. For example, if you’ve moved, you can update your policy instead.

Liberty Mutual is over 100 years old and provides many types of insurance such as auto, homeowners, and renters coverage. Read our Liberty Mutual Car Insurance Review to learn more about the company and the coverages offered.

If you cancel Liberty Mutual car insurance, you need to have new coverage in place. Compare multiple companies to find the best coverage with the lowest rates.

Keep reading to learn how about the Liberty Mutual cancellation process. Enter your ZIP code to compare free car insurance quotes from nearby companies to find new coverage.

What is the Liberty Mutual cancellation policy?

The Liberty Mutual cancel policy lets drivers easily cancel coverage at any time. However, you may be charged a cancellation fee depending on where you live.

In addition, you may be entitled to a refund if you’ve paid for coverage in advance.

You must call Liberty Mutual to cancel coverage, and you can’t cancel online. Instead, call the Liberty Mutual contact number for cancellations at 1-800-290-8711.

While there are multiple reasons to cancel auto insurance, high rates from Liberty Mutual are the most common. However, while rates are high, Liberty Mutual also offers a long history of great service.

We will show you rates from other companies to compare with Liberty Mutual to see how it stacks up.

This table shows average annual rates based on coverage type from top insurance companies, including Liberty Mutual.

Average Annual Car Insurance Rates Based on Coverage Type

CompanyAverage Annual Rate for Low CoverageAverage Annual Rate for Medium CoverageAverage Annual Rate for High Coverage
Allstate$4,628.03$4,896.81$5,139.02
American Family$3,368.49$3,544.37$3,416.40
Farmers$3,922.47$4,166.22$4,494.13
GEICO$3,001.91$3,213.97$3,429.14
Liberty Mutual$5,805.75$6,058.57$6,356.04
Nationwide$3,394.83$3,449.80$3,505.37
Progressive$3,737.13$4,018.46$4,350.96
State Farm$3,055.40$3,269.80$3,454.80
Travelers$4,223.63$4,462.02$4,619.07
USAA$2,404.11$2,539.87$2,667.92
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Although Liberty Mutual’s rates are the highest for all coverage types, there are ways to save so that you can keep the coverage you like.

You may not need to cancel Liberty Mutual. For example, if you move, buy a new car, or get married or divorced, you can update your policy without canceling. However, making changes can result in rate changes.

Totaling your car, selling your vehicle, or going on an extended trip can leave you paying for auto insurance you won’t be using. If you aren’t driving for a while, you can pause your coverage.

You can also get non-owner car insurance if you won’t have a car for an extended length of time but may borrow a friend’s car. This lets you avoid a lapse in coverage.

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How do you cancel Liberty Mutual car insurance?

So, how do I cancel my auto insurance with Liberty Mutual? If you decide to cancel Liberty Mutual, you can take steps to make the process painless.

Steps to canceling Liberty Mutual insurance are as follows:

  • Find out when your policy ends. Call the Liberty Mutual contact number for customer service at 1-800-290-7933. If you are charged a fee to cancel early, wait until your policy ends to get new coverage and save money.
  • Shop around. Every car insurance company offers different coverage and rates, so compare multiple companies to find the best deal for you.
  • Start your new policy. Get your new coverage in place and pick a date to begin.
  • Cancel Liberty Mutual. You will need your policy number and the date you want coverage to end. Make sure the end date is after the start date of your new policy to avoid a lapse in coverage.
  • Follow up on your refund. If you’ve paid in advance, you are entitled to a refund of the unused portion of your payment.

Be sure to have new coverage in place before your current policy ends. According to the Insurance Information Institute, a lapse in coverage comes with severe penalties.

For example, you can face fines, a driver’s license suspension, and have your car impounded if you drive without insurance.

In addition, car insurance rates will be higher when you get coverage again. Because insurance companies like to see that you have been continuously insured, they charge higher rates when there is a gap in coverage.

How can you save with Liberty Mutual car insurance?

If you like Liberty Mutual coverage but the rates are too high, the good news is that there are ways to lower your rates.

The best way to lower rates is to take advantage of car insurance discounts. Liberty Mutual offers a variety of discounts based on the driver, policy, and vehicle.

For example, defensive driver, multi-policy, and anti-lock brakes discounts are all available. Bundle your discounts for the most savings.

This table shows Liberty Mutual car insurance discounts. If the savings amount is known, it is listed.

Liberty Mutual Car Insurance Discounts
Car Insurance DiscountsLiberty Mutual (%)
Adaptive Cruise Control5
Adaptive Headlights5
Anti-lock Brakes5
Anti-Theft20
Claim Freex
Daytime Running Lights5
Defensive Driver10
Driver's Ed10
Driving Device/App30
Electronic Stability Control5
Federal Employee10
Forward Collision Warning5
Full Payment$5
Further Education10
Good Student22.5
Green Vehicle10
Homeownerx
Lane Departure Warningx
Low Mileagex
Marriedx
Membership/Group10
Military4
Multiple Policies20
Multiple Vehicles10
New Address5
New Customer/New Planx
New Graduate5
Newly Licensed5
Newlyweds5
Occupation10
Paperless/Auto Billingx
Passive Restraintx
Recent Retirees4
Students & Alumni10
Switching Provider10
Vehicle Recovery35
VIN Etching5
Young Driverx
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In addition, take a look at your policy to lower rates. For example, reduce coverage amounts and drop add-ons like rental car coverage to save. Also, raise your deductibles.

Keep in mind that lower coverage and higher deductibles will leave you paying more for damages if you’re in an accident.

A clean driving record, a high credit score, and driving a less expensive vehicle will keep your overall rates low.

Liberty Mutual Cancellation Policy: What You Need To Know

You can cancel Liberty Mutual car insurance at any time, but you might be charged a fee depending on where you live.

Drivers who get married or divorced, move, or buy a new car can update their current policy instead of canceling coverage.

If you decide to cancel Liberty Mutual, make sure you have new coverage in place to avoid a lapse in coverage that can cost you time and money.

Shop around now that you understand the Liberty Mutual cancellation policy. Enter your ZIP code to compare car insurance quotes from companies near you for free and get new coverage in place.

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