How to Cancel Liberty Mutual Auto Insurance

You can cancel your Liberty Mutual auto insurance by calling the company's customer service number. Make sure you have a new auto insurance policy in place before you cancel. Learn everything you should know before you cancel.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 10, 2022

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Things to Remember

  • Canceling your policy is easy, but you should make sure you do not have to pay fees or have a gap in coverage
  • Liberty Mutual is one of the best-rated insurance companies in the country
  • If you have found an insurance company with better rates, you may want to cancel your policy

Liberty Mutual is a premier auto insurance company, but you may be able to get better rates with another company. To cancel a policy with Liberty Mutual, you need to contact the company.

Before canceling your policy, you will want to ensure your new policy will be in effect so you do not have a coverage gap. You also do not want to pay any cancellation fees or lose a deposit.

This guide provides information on canceling your policy to help you avoid any missteps.

How do you cancel your policy with Liberty Mutual?

If you want to cancel your auto insurance with Liberty Mutual, contact customer service by phone and let them know you wish to terminate your coverage. You can do so by calling 1-800-290-8711.

The customer service representative will need to know what date you want to cancel your auto insurance policy. After speaking with the representative, confirm that the termination is complete. If you have online account access, the updated status of your policy should be reflected there after a few days.

Another way to cancel your policy is to send a letter to your local insurance agent or directly to Liberty Mutual’s corporate office. It is recommended that you send this correspondence via certified mail so you have proof of receipt.

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Does Liberty Mutual allow a policy to be canceled online?

Liberty Mutual does not allow policy cancellations online, so there will not be an option to cancel your coverage through your online account. Other insurers do allow online cancellation.

The best way to terminate your policy is to call customer service. You can also submit a written notification via mail. If there is a local office near you, you can cancel by speaking to an insurance agent.

You may have to pay a fee or penalty for early termination when you end your policy.

What happens if Liberty Mutual cancels your insurance?

A car insurance company may cancel a customer’s policy if the policy terms are breached. Here are some common reasons that companies cancel car insurance policies:

  • Excessive traffic tickets
  • Failure to pay any amount due under the policy
  • Involvement in too many accidents

Insurance companies evaluate their customers and set their rates based on the risk associated with that customer. Having more accidents or traffic tickets makes a driver a higher risk.

It is not likely that your auto insurance will drop you after a claim. However, an insurer may cancel anyone who has filed numerous claims.

Is there a right time to cancel a policy?

The best time to cancel your car insurance policy is when it is up for renewal. You can avoid early termination fees or other penalties by ending the policy after the term is over. The standard time for an auto insurance policy is six or 12 months.

Policyholders have the right to cancel their insurance policy at any time. If the policy is balanced in the middle of the term, Liberty Mutual may charge an early termination fee of $25.

Liberty Mutual may also charge a short rate fee that typically equates to 10% of the policy’s value. In researching insurance companies, reviewing customer ratings will give you a good idea of the range of fees Liberty Mutual charges its policyholders for early termination.

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What are some issues with changing insurance companies?

There are some best practices when it comes to changing insurance companies to avoid fees as well as minimize penalties and potential legal issues.

If you seek to change your auto insurance, you want to make sure you have your new insurance in place before canceling your existing policy. You do not want to have a gap in coverage due to one policy ending before the other starts.

A new policy will be in effect when you meet the company’s terms to initiate coverage. Sometimes this involves paying a deposit or making the initial payment. Coverage starts after you have signed up and made any required payment.

When initiating a policy with a new company, it may take a few days before you receive your physical insurance cards or policy documents. Check with the insurer to see if you can download an electronic copy to print out or keep handy if you need to show proof of insurance.

You should be able to switch your auto insurance policy without too much difficulty. Confirm the cancelation of the old procedure and initiation of coverage under the new one.

Final Thoughts on Canceling Your Liberty Mutual Insurance Policy

You can cancel your Liberty Mutual car insurance contract by contacting the company’s customer service department. Although you can terminate your policy whenever you want, you may have to pay the penalty for not fulfilling the policy term.

The best way to cancel your policy is to call customer service, but you can also cancel by sending a written notification to the company or visiting your local representative.

Before you end your current car insurance policy, you need to ensure that you have new coverage in place. Your further coverage will generally begin after you sign up and make your first payment or deposit.

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