Auto policies may make some motorists feel trapped, but there’s no reason to stay with an insurance policy that doesn’t meet your needs.

Erie insurance customers can cancel their policies at any time, regardless of the reason. So whether you’ve found a quote for a lower cost, you’re looking for more coverage options, or your situation has changed through COVID-19, Erie won’t penalize you. 

Canceling a policy might seem simplistic, but there are essential steps to avoid paying extra fees or driving without coverage. Luckily, Pennsylvania-based Erie insurance works with its customers to avoid any pitfalls that might come with switching companies.

Many insurance experts believe it’s good to compare car insurance every six months. Seeing all of your customized quotes side by side can help confirm the best policy for you. Luckily, Insurify is an easily available, free tool for comparing premiums and different types of coverage all in one place, which cuts down on time and tedious work.

At a Glance: What is Erie’s cancellation policy?

Erie insurance puts its customers first, and although not an ideal outcome for the company, that includes customers looking to cancel their insurance policy. The insurance company knows that situations change and is willing to work with any customers considering canceling their plans. Luckily for those looking into canceling, Erie makes the process relatively easy and doesn’t penalize policyholders with any cancellation fees. It also offers a prorated refund, which means they will refund any unused portions of the policy.

Step 1: Look up your renewal date. 

It can be exhilarating to find the perfect auto insurance policy, but canceling a current plan at the right time can make the transition even more manageable. 

Before following through with any cancellations, customers should confirm their policy’s renewal date. Contacting your local agent—your point of contact for all things related to your plan—is the easiest way to find your renewal date. Alternatively, you can access your account at erieinsurance.com. Policyholders can also consult their auto insurance identification cards, downloadable from the Erie website. 

Before canceling a policy, it’s essential to think about your renewal date to avoid paying for unnecessary coverage. Requesting a policy cancellation is usually easier to do near the policy’s end, and this will ensure that the policies don’t overlap too much. Otherwise, you would be paying extra money for no reason. It’s best to cancel a policy right before it ends, which would also prevent going without insurance coverage

Step 2: Compare car insurance quotes.

Before ending your policy with the Erie insurance group, it’s vital to shop around and find the best new plan. Unfortunately, the process of looking for car insurance quotes means hours of scrolling through websites and weeks of cold calls from insurance agents. Some predatory sites might claim to help you find quotes but put you at risk for spam calls and identity theft.

Luckily, Insurify can do all the work for you by comparing insurance quotes from companies like GEICO, State Farm, and many more. Insurify lays out quotes from each company so customers can find the lowest price. 

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Erie Quotes vs. Competitors 

To give you an idea of what Erie’s competitors charge for car insurance, here is a list of average quotes from our proprietary database: 

Insurer Average Monthly Cost
21st Century GA Limited $165.00
National General $186.00
SafeAuto $206.00
Infinity $346.00
Nationwide $227.00
Safeco $200.00
Travelers $174.00
The General $307.00
Liberty Mutual $244.00
Mercury $244.00


Bear in mind that these quotes are based on averages. To find out how much other companies would charge
you for car insurance, use Insurify. Insurify allows you to compare customized car insurance quotes from up to 20 companies at a time––for free!

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Step 3: Think about why you’re leaving Erie.

Every motorist wants to find the perfect auto insurance. Still, it’s important to pinpoint the specific reason you’re leaving Erie auto insurance. Knowing what you don’t like about your current policy will help narrow down potential insurance companies.

Some policyholders want to lower their auto policy’s monthly cost and look for car insurance companies that offer safe driver discounts. Some drivers want to find companies with more leeway when it comes to accident forgiveness. Others want to find a company that can bundle their auto policy with other insurance products like renters insurance or liability insurance.

Remember, whatever your needs, it’s always a good idea to compare car insurance policies on Insurify before buying one!

Step 4: Enroll in a new car insurance policy

After you’ve found the perfect new auto policy, it’s essential to enroll in your new plan before your Erie insurance plan renews. That prevents you from paying any extra fees to Erie. It’s also important to enroll in your new plan before canceling your Erie policy because it is illegal to drive in most states without auto insurance. If you have any lapse in coverage, it may disqualify you from discounts or lower rates in the future. 

When enrolling in your new plan, make sure to take note of your effective date in case Erie refers to it when canceling your policy. It’s also essential to break down each element of your policy to fully understand your coverage. 

Step 5: Cancel your Erie policy. 

Canceling your Erie policy is pretty simple, especially compared to other insurance companies. The only way to cancel your policy is to contact your local Erie agent to begin the process. Agents are contactable through phone, email, or in person. 

You’ll need your personal information, driver’s license, Erie policy number, and the date you’d like your policy to end. Your agent will likely discuss options and special offers to entice you to remain a client. Still, if you have already purchased a new policy, it should be a simple process. 

Your agent will have you write a notice of cancellation before officially canceling your policy. It may take a few days for your cancellation to be processed. Erie will deposit a refund of any unused premiums to your bank account.

Step 6: Follow up on your refund. 

In most cases, policyholders are eligible for a refund when they cancel their policy, which is the simplest to process right before the renewal date. It’s best to consult with your Erie agent and follow up with them after it is processed. Policyholders that pay for an annual policy rather than a monthly policy can get hundreds of dollars back. 

Erie Car Insurance Cancellation: Quick Questions

What should I do before canceling my car insurance with Erie?

Before canceling your Erie auto insurance, there are several steps you should take to transition to your new policy. Customers should check their renewal date and try to time their cancellation toward the end of their policy. They should also start a new car insurance plan before canceling with Erie.

Does Erie charge a cancellation fee?

Erie Insurance does not charge any cancellation fees, and canceling will not affect your credit score. In fact, many customers may receive a prorated refund for any premiums still on their accounts. Speak with your Erie agent to confirm any fees or refunds related to your account.

Where can I find new car insurance after I've canceled my Erie policy?

Insurify makes finding a car insurance quote simple with its easy-to-use tool. Rather than scouring countless insurance websites, Insurify can consolidate quotes from dozens of companies right in one place. Whether you’re looking for coverage in New York, Maryland, North Carolina, or anywhere across the country, Insurify can compare regional and national companies. Once you compare quotes and coverages, you can pick the plan that works best for your budget.

Browse, Compare, Discover with Insurify today.

Updated April 28, 2021

Samantha Vargas is a freelance writer for Insurify. She has a background in comparative English literature and film and has produced a variety of journalistic content for the University at Buffalo's independent student newspaper, The Spectrum. She currently works in Buffalo, NY while finishing her master's degree. She spends her free time baking and working with animal welfare groups.