Shortly before your Liberty Mutual
car insurance
policy is set to expire, you’ll receive a renewal notice reminding you of your policy expiration date. The renewal notice will also include your updated rate if you choose to renew. If you’re enrolled in autopay and happy with your new rate, you don’t need to do anything to renew your policy.

How Liberty Mutual car insurance renewal works

Most auto insurance policies last either six or 12 months. At the end of the policy term, you need to renew to keep your insurance active—and fortunately, this is a fairly simple process.
A few weeks before your Liberty Mutual policy ends, you should get a renewal notice in the mail or via email. This renewal notice will include any changes to your rate or updates to your insurance plan, so be sure to look over it carefully.
WHY DOES INSURANCE GO UP AT RENEWAL?
It’s common to see your car insurance rates go up when your policy renews. There are a few reasons this can happen:
  • New driver or vehicle on your policy
  • A drop in your credit score
  • New violations or accidents on your record
  • Regional increase in severe weather, auto theft, or uninsured drivers
  • Industry-wide rate hikes due to factors like inflation

What to do when you receive your Liberty Mutual renewal notice

Your renewal notice from Liberty Mutual should come about a month before the expiration date of your old policy. Once it comes in, read over the notice carefully, and take note of your new rate.
Once you know how much your new insurance rate will be,
compare car insurance quotes
from at least 3–5 insurance companies to make sure Liberty Mutual can still offer you the lowest rate. 

Option 1: Accept your new rate and make a payment to renew your policy

If you’re happy with your coverage and rate from Liberty Mutual, your policy will automatically renew as soon as you make your next scheduled payment.
  • If you’re enrolled in autopay: Your policy will automatically renew as soon as your next payment is drafted.
  • If you don’t have autopay: As long as you make your next payment before your renewal date, your new policy will start when the old one ends.
You should receive your new Liberty Mutual insurance cards around the time your new policy term begins. You can also use the Liberty Mutual mobile app to access your digital ID cards.

Option 2: Switch providers if you find a better rate

If you compare car insurance quotes and find that another insurer can offer you a lower premium than Liberty Mutual, purchase the new policy and set it to start on the same day that your Liberty Mutual policy expires. 
Avoid an insurance lapse: Make sure your new policy starts before your Liberty Mutual policy expires. Otherwise, you’ll have a gap in your insurance coverage, known as a
coverage lapse
. Insurance lapses can have serious consequences, including license suspension, fines, and higher insurance rates in the future.
Once you’ve secured a new policy, contact Liberty Mutual to
cancel your insurance
. You can cancel by calling 1-800-290-87111—just make sure to have your Liberty Mutual policy number on hand.
app screenshot
Jerry
makes it easy to instantly see the best rates based on a comparison of dozens of car insurance companies.
And if you switch, Jerry can even help you cancel your Liberty Mutual car insurance policy.

If you missed your Liberty Mutual renewal date: Review your rate and shop around

If you missed your renewal and you have autopay

If you use autopay to pay your Liberty Mutual premiums, your policy will renew automatically every six or 12 months until you cancel it.
But even if your policy renews, you can shop for lower rates at any time—and if you find a new provider who can offer you better rates for the same or better coverage, you can switch at any time, too.
app screenshot
If you buy an insurance policy with
Jerry
, you can turn on automatic reshops in your account settings.
With the reshop feature activated, Jerry will check for new rates before every policy renewal to make sure you’re still paying the lowest price.

If you missed your renewal and you don’t have autopay

If you forgot to pay your Liberty Mutual insurance premium at renewal, contact the company to make a payment as quickly as possible. 
Liberty Mutual has a grace period
of 10–14 days depending on where you live. If you make a payment during this grace period, the company likely will not cancel your policy—but contact your insurance agent and inform them that the payment has been made and double-check that your policy is still active before you drive. 
If you haven’t paid by the end of the grace period, it may still be worth contacting Liberty Mutual to see if your policy can be renewed—but if it can’t, you’ll need to find a new insurance company right away to avoid
driving without insurance
.

If Liberty Mutual doesn’t renew your policy

In some cases, Liberty Mutual may choose not to continue covering a policyholder. If that happens, you’ll receive a notice of nonrenewal up to 30 days before the end of your policy.
There are several reasons Liberty Mutual might not renew a policy:
  • Late or missed payments
  • New accidents, violations, or insurance claims 
  • Fraud or misrepresentation of facts (like filing a false claim or reporting an inaccurate odometer reading)
If Liberty Mutual won’t renew your policy, you’ll need to start shopping for a new insurance company as soon as possible. Be aware that the same circumstances that prevented Liberty Mutual from renewing your coverage could make it difficult for you to secure affordable coverage from another company.

FAQs

How do I renew my Liberty Mutual policy online?

If you’re enrolled in autopay, you won’t have to do anything to renew your Liberty Mutual car insurance policy. Otherwise, make your next scheduled payment to renew.

Can I cancel a Liberty Mutual policy online?

No, Liberty Mutual does not allow customers to cancel their car insurance online. To cancel your Liberty Mutual policy, you’ll need to call them at 1-800-290-8711.

Why is Liberty Mutual so expensive?

Rising auto repair costs and medical bills are leading to increased rates across the entire insurance industry—including Liberty Mutual.

Does Liberty Mutual charge to cancel?

If you cancel your Liberty Mutual policy in the middle of a term, you may be subject to an early cancellation fee of $25.

Do you get a refund if you cancel Liberty Mutual car insurance?

If you pre-paid for your Liberty Mutual policy, you will be entitled to a refund if you cancel early, less any cancellation fees and administrative costs deducted by the company.

Is Liberty Mutual a 6-month policy?

Liberty Mutual offers both six and 12-month policies to its customers, although the availability may be limited depending on where you live. 

Who is cheaper, Geico or Liberty Mutual?

Neither company will always offer the lowest rates to all customers. That’s because insurance companies use a complex formula to calculate rates, based on factors like your age, location, vehicle, coverage options, driving history, and more.

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