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:
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.