payments is between 10 and 14 days depending on your state’s laws. Policyholders who make a late payment may face a $15 late fee, and if you fail to make your required payment by the end of your grace period, your policy will be canceled.

Does Liberty Mutual have a grace period for late payments?

Yes, Liberty Mutual offers a grace period for missed payments. The amount of time varies from state to state, but you can expect a timeframe of 10 to 14 business days after your regular premium due date.

Liberty Mutual’s grace period gives you a buffer to make late payments

If you do not make your payment and your bill’s due date passes, Liberty Mutual will send you a notice of cancellation that highlights your grace period timeline. During your grace period, you’ll have the opportunity to update your payment method, pay your premium, and keep your insurance policy active.

If you make your payment before the grace period is up, your policy will not be canceled and you won’t face an insurance lapse.

But you could face fees or a policy cancellation

If you fail to make your payment within the first five days of your grace period, you could face a $15 late fee (varies by state).

Moreover, if you completely miss the grace period and do not make a payment by the final day, Liberty Mutual will cancel your insurance policy and your coverage will lapse.

Learn More:

How does a car insurance lapse impact rates

Does Liberty Mutual accept late payments?

Yes, Liberty Mutual accepts late payments within the timeframe of your insurance grace period. Grace periods for Liberty Mutual policies typically last 10 to 14 business days, during which time you can process a late payment without incurring a policy cancellation. However, you may be charged a late fee. 1

What if I get into an accident with a missed payment?

You will be covered if you get into an accident during your grace period

If you get into an accident during your grace period, your Liberty Mutual auto insurance policy will still be active and provide insurance coverage for any damages within the limits of your policy.

But accidents outside of the grace period won’t be covered

If you get into an accident after the final day of your grace period, your Liberty Mutual policy will be canceled and you will not be able to make a claim for any damages resulting from the collision.

Learn More:

Compare car insurance quotes (2023)

If you missed your Liberty Mutual payment

You’ll have a few payment options if you missed your Liberty Mutual payment. Here’s what you can expect:

Late payments online: Some policyholders prefer to

or through the mobile app to pay using your credit card or online banking details.

Late payments by phone: You can call Liberty Mutual at 844-411-9591 to pay your premium.

Late payments by mail: You can send a check to Liberty Mutual Insurance Group Personal Market - RPC, PO Box 1604, New York, NY 10116-1604.

Pro Tip: If you struggle to keep up with your car insurance premium due dates, setting up payment reminders can help. This way, you’ll know when your payments are due and be able to plan for the expense.

What if I’m enrolled in autopay?

If you are enrolled in autopay with Liberty Mutual but your payment failed to process, the automatic payment will be delayed for up to seven days. Keep in mind that these seven days do not count as a grace period, and you will have coverage during this time.

After seven days, your account will be automatically charged. If you are unable to pay your premium at this point, Liberty Mutual will send you a notice of cancellation with a grace period final date.

As per the process summarized above, your policy may be canceled if you fail to pay your premium by the final date outlined on your cancellation notice.

Will a missed payment affect my credit score?

A single missed car insurance payment likely won’t affect your credit score if you fulfill the payment within the grace period. However, if you fail to pay your bill, Liberty Mutual may send it to a debt collection agency. In this case, it could appear on your credit report and lower your credit score—which can lead to

higher car insurance rates

If Liberty Mutual cancels your policy

If you were unable to make a payment before the final day of your Liberty Mutual grace period, your policy will be canceled for non-payment.

You may be able to reinstate your policy

In some cases, Liberty Mutual may allow you to reinstate your policy and avoid an insurance lapse. To reinstate your policy, you’ll need to contact your insurance agent as soon as possible.

Otherwise, your insurance will lapse

If Liberty Mutual won’t reinstate your policy, you will be without insurance. You may be able to purchase a new policy from LM, but your best option is to compare car insurance quotes from other insurance companies, and purchase a new insurance policy as soon as possible.

If your car insurance policy is canceled, it’s best to seek a new auto insurance plan immediately. The penalties for
driving without insurance
vary from state to state, but you can expect serious fines, a driver’s license suspension, and even vehicle impoundment. Additionally, future insurance providers will view you as a high-risk driver for driving uninsured, which will result in higher insurance rates.

If you’re unable to reinstate your policy or want to move to a new insurer, most companies offer same-day policies.

The

Jerry

app is a great resource for discovering exactly how much you need to pay to activate your policy, and same-day policies are usually available.

Find same-day coverage now

If you’re having trouble making payments

Keeping up with your car insurance payments can save you from late fees, a canceled policy, and a car insurance coverage lapse. If you struggle to keep up with your insurance costs, here are some helpful tips:

Postpone your payment: Liberty Mutual may offer an option to postpone your payment. Contact your insurance agent to inform them of why you need to postpone your payment, and work out a payment plan.

Find a more affordable rate: It’s easier to process a car insurance payment when your premiums are lower. Shop around and compare quotes from different providers to find the cheapest rate for your car insurance needs.

On Jerry, you can compare quotes, purchase policies, and turn on reminders so that you never miss a payment.

Please note that images featured in this article are for staging purposes only.

RECOMMENDED

Compare auto insurance policies

No spam or unwanted phone calls · No long forms

ZIP Code

Find insurance savings

FAQs

Does Liberty Mutual have a grace period?

Yes, Liberty Mutual offers a grace period of 10 to 14 days for late payments, depending on the state you live in.

What is the grace period for car insurance?

The grace period for car insurance typically ranges between seven to 30 days, but it’s different for every car insurance company. For example, Liberty mutual offers between 10 to 14 days, but the exact period varies from state to state.

Is there a grace period for new car insurance with Liberty Mutual?

Depending on your policy, Liberty Mutual has a grace period of 30 days for new cars. When you purchase a new vehicle, it may be covered by your Liberty Mutual existing policy for up to 30 days.