How to Cancel Liberty Mutual Auto Insurance (2022)
If you want to learn how to cancel Liberty Mutual auto insurance, call the company directly and speak with a representative. You can cancel your Liberty Mutual policy at any time, and you may be eligible for a refund. Before you cancel, you need to get a policy with another company to meet your state's legal requirements.
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UPDATED: Jan 19, 2022
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- Canceling your Liberty Mutual auto insurance policy is a straightforward process, but you will need to call the company and speak with a representative
- Depending on the nature of your policy, you may be entitled to a partial refund
- Before you cancel your auto insurance, you should make sure you have coverage with another company
If you currently have Liberty Mutual auto insurance, there may come a time when you need to know when and how you can cancel your coverage.
Learning how to cancel Liberty Mutual auto insurance is simple. The company doesn’t explain every step you’ll have to take when canceling your coverage, but the process is straightforward. You can cancel your coverage at any time during the policy term.
You may want to learn how to cancel Liberty Mutual online or how to cancel Liberty Mutual on their app. But before you cancel your insurance policy, you need to be sure you have the right insurance coverage to drive safely — and legally — in your state.
You should consider comparing car insurance rates before you cancel your policy with Liberty Mutual. You’ll want to make sure you don’t end up paying more for coverage. To avoid that, choose a new company before you cancel.
If you are considering purchasing new auto insurance, be sure to use our free tool above before you cancel your Liberty Mutual car insurance coverage.
How do I cancel my Liberty Mutual auto insurance?
The process for canceling your Liberty Mutual car insurance coverage is very simple. The Liberty Mutual refund policy states that you can cancel your car insurance policy at any time.
All you need to do is visit the Liberty Mutual website to find the company’s phone number. You can also use the Liberty Mutual customer service email. However, you will likely still need to call to cancel your policy. On the phone a representative from Liberty Mutual will ask you a few questions and talk you through the process.
An insurance agent with Liberty Mutual may ask you if you have new car insurance set up for when you cancel your policy with them. Most states require that you maintain coverage without a gap, so don’t be surprised if the person you speak with asks you about it.
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Is there a Liberty Mutual policy cancellation fee?
If you cancel your auto insurance with Liberty Mutual, there could be a fee if you did not pay for your policy in full. In addition, you may have to pay a certain amount for coverage you had on your vehicle prior to the date you actually canceled.
But there are other cases where you may be entitled to a Liberty Mutual refund when you cancel your policy. For example, you might receive a refund on your policy if you paid in full and cancel before your policy is up for renewal.
If you aren’t sure if you’re eligible for a refund, a Liberty Mutual agent will be able to let you know based on your specific policy.
What should I do before I cancel my Liberty Mutual auto insurance?
Before you cancel your Liberty Mutual car insurance, you must find coverage elsewhere. You cannot drive legally in the U.S. without carrying your state’s minimum requirements for auto insurance coverage.
Minimum State Requirements for Auto Insurance
|State||Insurance required||Minimum liability limits|
|Alabama||BI & PD Liab||25/50/25|
|Alaska||BI & PD Liab||50/100/25|
|Arizona||BI & PD Liab||15/30/10|
|Arkansas||BI & PD Liab, PIP||25/50/25|
|California||BI & PD Liab||15/30/5|
|Colorado||BI & PD Liab||25/50/15|
|Connecticut||BI & PD Liab, UM, UIM||25/50/20|
|Delaware||BI & PD Liab, PIP||25/50/10|
|District of Columbia||BI & PD Liab, UM||25/50/10|
|Florida||PD Liab, PIP||10/20/10|
|Georgia||BI & PD Liab||25/50/25|
|Hawaii||BI & PD Liab, PIP||20/40/10|
|Idaho||BI & PD Liab||25/50/15|
|Illinois||BI & PD Liab, UM, UIM||25/50/20|
|Indiana||BI & PD Liab||25/50/25|
|Iowa||BI & PD Liab||20/40/15|
|Kansas||BI & PD Liab, PIP||25/50/25|
|Kentucky||BI & PD Liab, PIP, UM, UIM||25/50/25|
|Louisiana||BI & PD Liab||15/30/25|
|Maine||BI & PD Liab, UM, UIM, Medpay||50/100/25|
|Maryland||BI & PD Liab, PIP, UM, UIM||30/60/15|
|Massachusetts||BI & PD Liab, PIP||20/40/5|
|Michigan||BI & PD Liab, PIP||20/40/10|
|Minnesota||BI & PD Liab, PIP, UM, UIM||30/60/10|
|Mississippi||BI & PD Liab||25/50/25|
|Missouri||BI & PD Liab, UM||25/50/25|
|Montana||BI & PD Liab||25/50/20|
|Nebraska||BI & PD Liab, UM, UIM||25/50/25|
|Nevada||BI & PD Liab||25/50/20|
|New Hampshire||FR only||25/50/25|
|New Jersey||BI & PD Liab, PIP, UM, UIM||15/30/5|
|New Mexico||BI & PD Liab||25/50/10|
|New York||BI & PD Liab, PIP, UM, UIM||25/50/10|
|North Carolina||BI & PD Liab, UM, UIM||30/60/25|
|North Dakota||BI & PD Liab, PIP, UM, UIM||25/50/25|
|Ohio||BI & PD Liab||25/50/25|
|Oklahoma||BI & PD Liab||25/50/25|
|Oregon||BI & PD Liab, PIP, UM, UIM||25/50/20|
|Pennsylvania||BI & PD Liab, PIP||15/30/5|
|Rhode Island||BI & PD Liab||25/50/25|
|South Carolina||BI & PD Liab, UM, UIM||25/50/25|
|South Dakota||BI & PD Liab, UM, UIM||25/50/25|
|Tennessee||BI & PD Liab||25/50/15|
|Texas||BI & PD Liab, PIP||30/60/25|
|Utah||BI & PD Liab, PIP||25/65/15|
|Vermont||BI & PD Liab, UM, UIM||25/50/10|
|Virginia||BI & PD Liab (9), UM, UIM||25/50/20|
|Washington||BI & PD Liab||25/50/10|
|West Virginia||BI & PD Liab, UM, UIM||25/50/25|
|Wisconsin||BI & PD Liab, UM, Medpay||25/50/10|
|Wyoming||BI & PD Liab||25/50/20|
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As you can see from the table above, most states require at least bodily injury protection and property damage liability in order to drive legally. In addition, some states also require coverages such as uninsured motorist protection and personal injury protection.
In order to safely cancel your Liberty Mutual policy, you need to make sure you have coverage already set up with another company. Otherwise, you will not be able to drive in your state, and you may face fines or have your license suspended.
There are many types of car insurance to choose from. It’s a good idea for you to assess what you need and what type of policy would be most beneficial. Then, you can shop online to find the best rates in your state.
If you are looking for coverage after you cancel your Liberty Mutual auto insurance, use our free tool below to compare quotes from multiple companies and start saving.
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