Need to end your car insurance coverage? Do it with a simple phone call.
Liberty Mutual makes it easy to end your auto insurance coverage by phone. Whether you’re changing providers or selling your vehicle, here’s how to go about canceling your policy with Liberty Mutual.
What are the ways to cancel my Liberty Mutual policy?
While it’s easy to change your coverage online, you won’t be able to cancel your policy without calling in. The fees and process of canceling vary based on the state the policy was issued. A customer service agent will walk you through the process.
How to cancel by phone
- Prepare your supporting documents including your policy number, proof of insurance, plate forfeiture, or bill of sale, depending on your reason for canceling.
- Call 800-658-9857 to speak with a licensed agent.
- Ask for confirmation. Although cancellations are usually effective immediately, you may need to contact your state’s DMV. Check your state’s guidelines or ask your agent about the next steps.
Unlike other providers, it’s unclear if you can cancel your coverage by mail.
Can a family member or friend cancel my insurance for me?
No. Since car insurance is a legal contract, only the policyholder can cancel. An exception is someone who’s designated as your power of attorney — this person can cancel your policy, but Liberty Mutual will require proof of POA.
Liberty Mutual cancellation policy
Liberty Mutual’s cancellation policy allows you to easily cancel coverage, but you may be faced with fees. Some customers claim there was no charge, while others paid fees of up to $100.
Liberty Mutual offers 12-month policies, which means you may be charged for early cancellation if you cancel before the end of that 12-month period. However, cancellation fees, refunds, and policies vary depending on your state, so it’s best to call and speak with an agent
Do I need to have a new policy in place before canceling my policy with Liberty Mutual?
In short, No. Liberty Mutual doesn’t require you to have another policy in place before canceling coverage. With that being said, you’ll need to provide proof that you’ve surrendered or transferred your vehicle’s plates, a bill of sale for your vehicle or proof that you’ve switched insurance companies if you plan to keep driving.
Remember that it’s illegal to drive without auto insurance in all states except New Hampshire and Virginia. Make sure you understand your state’s requirements for car insurance to avoid any unnecessary repercussions. Some states require you to carry insurance on a vehicle until you turn in your license plates, so be aware that Liberty Mutual may directly notify your state of your cancellation.