How to Cancel Your Liberty Mutual Auto Insurance Policy in 6 Easy Steps (2023)

Liberty Mutual Insurance Company, or LiMu, is one of the largest car insurance companies. Therefore, it’s no surprise it’s earned high customer satisfaction ratings and numerous awards for its reliability. However, this doesn’t mean you have to stay with your car insurance policy from Liberty Mutual forever. You might find better coverage or auto insurance rates elsewhere.

Before you cancel, use our handy car insurance quote comparison tool to find another auto insurance plan. All you have to do to receive personalized quotes is fill out a short online form. Rest assured you won’t have to sign up or pay any fees. It couldn’t be any easier to switch policies.

Liberty Mutual Cancellation Policy

Fortunately, it’s fairly easy to cancel a car insurance plan from Liberty Mutual. All you have to do is call customer service at 1 (800) 658-9857 so an agent can guide you through the cancellation process. Be prepared to share your policy number and details related to your new plan. Also, find out whether you’ll owe a cancellation fee.

Speaking of cancellation fees, Liberty Mutual might charge you one if you live in a certain state. It all depends on your state laws. Since the auto insurance company offers 12-month policies, you may be subject to a cancellation fee if you terminate before your 12-month policy comes to an end.

Step 1: Look Up the Renewal Date

While you can cancel your Liberty Mutual car insurance at any time, you should consider going through the process right before your renewal date, which will be at the end of your 12-month policy term. This can help you avoid a lapse in coverage and make it easier for you to sign up with a new car insurance company.

It may also save you on any cancellation fees you might owe and increase your chances of a faster refund. To find your renewal date, take a look at your print or digital car insurance ID card. You can also log into your online account or speak to an insurance agent.

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Step 2: Compare Car Insurance Quotes

The reality is that shopping for a new car insurance plan is overwhelming. After all, it takes a lot of time and effort to obtain individual auto insurance quotes from Nationwide, GEICO, Allstate, and other reputable auto insurance companies. That’s where Insurify comes in.

With Insurify, you’ll receive personalized quotes all in one place. You’ll be able to compare insurance products, insurance premiums, deductibles, and discounts with ease. Best of all, this tool is a breeze to use and absolutely free. It can truly take the guesswork out of comparing car insurance quotes.

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Liberty Mutual Quotes vs. Competitors

Step 3: Think about Why You’re Leaving Liberty Mutual

There are a number of reasons you may want to terminate your Liberty Mutual car insurance. Before you take the plunge and cancel, however, be sure to clarify them with yourself. Maybe your goal is to take advantage of a bundling discount with your homeowners insurance, renters insurance, life insurance, or health insurance company.

Or perhaps your driving habits have changed, and you no longer drive as much as you used to because you landed a remote job or became a stay-at-home parent. Once you figure out your exact motives for leaving, you’ll find it much easier to shop around for new coverage. You’ll know exactly what you’re looking for in a policy.

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Step 4: Secure a New Policy

As soon as you find the perfect car insurance plan with some help from Insurify, enroll in it. While some auto insurance companies allow you to go through the process online, others require that you call customer support or reach out to a local agent.

In most cases, you’ll need to provide basic personal, vehicle, and financial details, like your credit card number to pay your premium. Once the new car insurance company confirms you’ve officially enrolled, take note of your new policy number and effective date, as Liberty Mutual might ask for this information when you decide to cancel.

Step 5: Cancel Your Liberty Mutual Policy

Once you’ve used Insurify and enrolled in a new plan, it’s time to cancel your Liberty Mutual insurance policy. While many car insurance companies offer multiple termination methods, Liberty Mutual prefers that you call 1 (800) 658-9857 and connect to an insurance agent. You can expect the agent to ask for your policy number and new car insurance coverage.

Also, don’t be surprised if they try to keep your business with various Liberty Mutual offers. After all, it’s in their best interest to retain their policyholders for as long as possible. If they give you a lower rate or an unbeatable discount, you might consider staying, but don’t feel obligated to do so if you know you’d be better off with a different insurance provider.

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Step 6: Follow Up on Your Refund

Depending on how you paid for your auto insurance plan and where you live, Liberty Mutual may owe you a refund. This refund will be for any unused portions of your premium. While the company should send you the funds a few weeks after you officially cancel, you may have to wait a bit longer.

Remember that car insurance companies like Liberty Mutual focus on their current policyholders. Therefore, your refund might not be on their priority list, even though you may be entitled to it. Feel free to follow up with an agent if you haven’t received your refund three weeks after terminating.

Canceling Your Liberty Mutual Policy

As your life circumstances change, your auto insurance needs may change as well. Therefore, don’t feel bad about canceling your Liberty Mutual plan. With our car insurance comparison, you can discover the best new policy for your budget, driving habits, and preferences. Since it’s free to use and you don’t have to sign up, you have absolutely nothing to lose.

Frequently Asked Questions