Is it time to kiss your insurance company goodbye? Depending on who you have, the switch might not be so quick and easy. A little upfront knowledge could protect you from sneaky last-minute fees or a lapse in coverage.

Before you cancel your current policy, sign up with a new company, so you avoid gaps in coverage. Insurify is the perfect way to compare car insurance quotes. You can try it today at no cost or obligation, even if you’re not quite ready to make a move.

Do this before canceling your car insurance

1. Figure out your reason for the change. 

Most people are looking for a lower price. But if you’re swapping insurance because of a new job, relocation, or a change in family status, tell your current insurance company. These life events may qualify you for further discounts and a better rate with your current insurer. It’s a good idea to bring these up while you shop, too, so you’re getting the lowest premium from all quotes.

2. Look at your policy.

A classic mistake many shoppers make is not reviewing their current policy to make an apples-to-apples comparison when changing companies. Often, one quote can be significantly cheaper, but it might miss essential coverage. Also, this is the best spot to find your renewal date so you can select when your old policy ends and your new one starts.

3. Find new insurance

You want to lock down your new insurance company before you cancel your old one. Otherwise, you can run into problems as a result of a lapse of coverage:

  • Accident, Damage, or Theft: It’s a horror story, but it happens. If you miss time on making your switch, then you risk having to pay out of pocket if you’re in a wreck or your car is stolen.
  • License Suspension or Fine: In many states, your auto insurance provider will notify the DMV that you no longer have insurance. Because every state but New Hampshire requires insurance, driving without it could lead to fines, license suspension, and even the need for an SR-22, which is proof the state may require before you can drive.
  • Rate Increase: Insurance providers see you as riskier if you have a lapse in coverage. Lapses of 30 days or fewer can cause price increases as much as 10 percent, and lapses of 60 days or more can make your insurance premiums as much as 30 percent higher. You also may lose the discount for continuous insurance coverage. The exception here is if you garage your vehicle for military deployment.
  • Repossession: If you make payments on your vehicle, your bank or lienholder may require you to have full coverage, which is liability coverage plus comprehensive and collision coverage. A lapse could cause the bank to take away your vehicle.

The smart plan to avoid a gap in coverage is to get plenty of quotes and select the best choice for your budget. Insurify lets you compare quotes on one streamlined platform, so you can pick the right company before you cancel with your current provider.

What info will an insurance company need to cancel my car insurance policy?

  • Your policy number
  • Your name, date of birth, and SSN
  • Your new insurance info including insurer, policy number, and start date
  • If you’ve sold the vehicle, your Bill of Sale or proof of plate forfeiture

How do I cancel my car insurance policy?

Almost no insurance company will allow you to cancel online. Most want one last conversation to save you as a customer. We recommend canceling by phone or in person to make sure you confirm dates, fees, and possible premium reimbursement. Generally, you can cancel in three ways:

  • Cancel by Phone
    Calling is probably the most thorough and efficient way. You simply dial your local agent or customer service line and cancel the policy. Just be ready for the sales pitch.
  • Cancel by Mail/Fax
    If you will cancel by mail, do it at least two weeks before the date you want the policy to end to allow for shipping and processing time. Your new insurer may supply a form letter if not your cancellation letter should include your:

    • Name
    • Address
    • Policy number
    • Policy end date
    • Note to cancel and reason for cancellation
    • Request for reimbursement of prorated premium, if applicable
    • Signature and date
  • Cancel in Person. If you prefer to look your agent eye to eye, then go down to the local office. Just don’t forget your paperwork.

Cancellation policies for top insurance companies

AAA

  • Process: You can call a branch office or the general line. Just remember, AAA is a little different in every region. The representative may transfer you if you need to end your AAA membership, too.
  • Phone: Call your local branch office or customer service at 1 (800) 207-3618.
  • In-Person: Face-to-face cancellation is an option at a branch office.
  • Fees: $0 fee, although it may vary in your state.

Allstate

  • Process: Allstate asks that you call your local agent. The agent may require a written request to cancel the policy. The agent will ask about policies, discounts, and other details to keep your business.
  • Phone: Call your local agent or customer service at 1 (877) 810-2920.
  • In-Person: You can choose face-to-face cancellation.
  • Fees: $0 fee. 

American Family

  • Process: American Family wants you to go through your local agent. But customer service can give a cancellation request form to your agent on your behalf.
  • Phone: Call your local agent or customer service at 1 (800) 692-6326.
  • In-Person: You can make the trip to the agent’s office and cancel.
  • Fees: $0 fee. 

Auto-Owners

  • Process: The company requests you to contact your independent agency directly, but you can also call customer service.
  • Phone: Call your local agent or customer service at 1 (517) 323-1200.
  • In-Person: You can make the trip and cancel your policy at the local agent’s office.
  • Fees: $0 fee, but this may vary. Check with your agent.

Erie

  • Process: Erie prefers you contact your local agent, but you can also dial customer care.
  • Phone: Call your local agent or customer service at 1 (800) 458-0811.
  • In-Person: You can see your agent and cancel face-to-face.
  • Fees: $0 fee. 

Farmers

  • Process: Start with your Farmers agent. He or she will offer the most competitive price to keep you. If you’ve already made your decision, then skip right to customer service.
  • Phone: Call your local agent or customer service at 1 (888) 327-6335.
  • In-Person: You can visit an office and cancel face-to-face.
  • Fees: $0 fee.

GEICO

  • Process: See our step-by-step guide to canceling GEICO car insurance. The customer service agent will probably offer one last sales pitch that might include exclusive discounts.
  • Phone: Call customer service at 1 (800) 841-1587.
  • Fees: $0 fee. 

Liberty Mutual

  • Process: To cancel your Liberty Mutual policy, contact your local agent. He or she may get rate discounts approved that customer service centers can’t. If you’ve been a Liberty Mutual customer for at least three years, depending on the state, you may qualify for a new discounted rate.
  • Phone: Call your local agent or customer service at 1 (800) 658-9857.
  • In-Person: You can always cancel in person at a designated office. There is a branch office manager that may have leeway to help your agent give you their lowest rate before you switch.
  • Fees. $0 fee. 

Mercury

  • Process: You can reach out to the independent Mercury insurance agent who sold you your policy, or you can call customer service.
  • Phone: Call your local independent agent or customer service at 1 (800) 503-3724.
  • In-Person: You can cancel face-to-face at your local independent agent’s office.
  • Fees: $0 to $50 fee depending on the state and if you’re in your first 6-month or 12-month policy term. 

National General

  • Process: National General sells its products through independent insurance agents, so you can cancel with the agent who sold you your policy. Or you can call customer service.
  • Phone: Call your local independent agent or customer service at 1 (888) 293-5108.
  • In-Person: You can cancel face-to-face at your local independent agent’s office.
  • Fees: $0 fee. 

Nationwide

  • Process: Nationwide wants you to contact your agent to request a policy cancellation. Nationwide may require written notice.
  • Phone: Call your local agent or customer service at 1 (877) 669-6877.
  • In-Person: You can cancel at your local agent’s office.
  • Fees: $0 fee

Progressive

  • Process: See our step-by-step guide to canceling Progressive car insurance. The customer service agent will try everything to keep you, including sometimes offering loyalty discounts.
  • Phone: Call customer service at 1 (866) 416-2003.
  • Fees: $0 fee. 

State Farm

  • Process: Before canceling with State Farm, your agent may try to see if they can save you money by combining policies, changing your pay date, or seeing if you qualify for any new discounts.
  • Phone: Call your local agent or customer service at 1 (800) 782-8332. 
  • In-Person: Go to your local agent’s office. If your reason for canceling was not liking your agent, you can change agents. 
  • Fees: $0 fee. 

Travelers

  • Process: You must call a customer service representative.
  • Phone: Call customer service at 1 (800) 842-5075.
  • Fees: $0 fee. 

USAA

  • Process: The company recommends you make a phone call, especially if you’re canceling for deployment or military relocation. USAA may offer price breaks in those two cases.
  • Phone: Call customer service at 1 (877) 531-8722.
  • Fees: $0 fee.

Cancel Car Insurance FAQ

How do I cancel my car insurance?

Most car insurance companies will let you cancel by phone, mail, or fax; or in person. Before you cancel with your current insurance company, make sure you lock in your new insurance so that you can avoid a lapse of coverage. The best way to find cheap car insurance is to compare quotes from the insurance providers available in your area. Find a car insurance quote comparison tool like Insurify to compare up to 10+ real quotes for your driver profile and unlock savings and car insurance discounts. Car insurance rates can vary based on your driving history and personal profile, but you should be able to find a competitive price. Insurify provides the cheapest car insurance quotes and companies in your area in just a few minutes.

How do I cancel my GEICO car insurance policy?

Call customer service at 1 (800) 841-1587. The customer service agent will have a final sales pitch that might include special discounts. You can also follow our step-by-step guide to canceling GEICO car insurance.

How do I cancel my Progressive car insurance policy?

Call customer service at 1 (866) 416-2003. The customer service agent will try everything to keep you, including sometimes offering discounted rates. You can also follow our step-by-step guide to canceling Progressive car insurance.

Will I pay a cancellation fee?

Most insurance companies do not have a cancellation fee. Many will reimburse any unused premium. A few companies charge a set fee such as $25 or $50 or 10 percent of your remaining premium.

Will my new insurance company cancel my policy with my old company?

Your new insurance company will not cancel your old policy, but they may supply a form letter you can use to mail or fax your previous insurer.

Can I cancel my insurance policy at any time?

Yes, you can cancel your auto insurance policy at any time. But it's wise to already have a new policy before ending your old one to avoid a lapse in coverage.

Can I just cancel my policy by not paying it?

Not paying is the worst way to cancel your auto policy. Policies may auto-renew if you have automatic withdrawal, or your insurance company may give you a 10- or 20-day grace period. You could end up paying for coverage with two separate companies. Contacting the insurance company is the right way to avoid paying extra, double billing, or lapses in coverage.

Conclusion: Make this an essential step of your car insurance cancellation

Before you dump your old insurance company, be sure you’re going steady with a new one. 

Insurify is like speed dating for car insurance providers. We make it easy for you to fall in love with a great deal. In a few minutes comparing auto insurance quotes with Insurify, you can customize coverages, maximize discounts, and secure the best rate before you cancel!

Browse, Compare, Discover with Insurify today.

Updated June 30, 2020

Courtney Roy is a financial and technology copywriter. He creates content that makes an actionable difference in the life of his readers. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering. He and his wife chase their five kids in the Phoenix, Arizona sun. You can learn more at thecopyprophet.com.