Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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If you want to cancel your Allstate car insurance policy, you can do so at any time — no matter your reason. Perhaps you’re unhappy with Allstate’s service, or maybe you find that a policy from a different insurer better fits your budget or offers discounts that Allstate doesn’t.
But you can’t cancel your Allstate auto policy online — you’ll have to contact customer service or an agent directly to cancel your coverage.
Before canceling your Allstate car insurance, it’s important to compare quotes and find a new policy so that you don’t have a coverage lapse.[1]
Allstate cancellation policy
Allstate doesn’t give customers the option to cancel their policies online. If you want to cancel your coverage, you’ll need to contact the company directly. On its FAQ page (under “How can I cancel my policy?”), Allstate directs you to a support/contact web page with the various ways you can contact the company for assistance, including by phone, email, or chat.
Allstate doesn’t specify on its website whether it charges a fee for canceling before your policy renewal date. For more detailed information about canceling your policy, you can call your Allstate insurance agent.
If you’ve decided to move forward with canceling your Allstate coverage, follow the five steps below.
Step 1: Look up your renewal date
Before you cancel your Allstate car insurance, check your policy renewal date. While you can cancel your Allstate car insurance anytime, the best time to cancel and switch is typically when it’s time to renew. Switching insurers just before your current policy ends is a good way to avoid any potential cancellation fees.
You can view your Allstate account information, including your policy renewal date, by logging into your account online, contacting customer service, or asking your agent.[2] You can also find your policy details by accessing your account through the Allstate mobile app.
Once you know your Allstate renewal date, you can avoid a lapse in coverage, which can cause issues if you get pulled over or get into an accident. It’s illegal to drive while uninsured in every state except New Hampshire. If you’re caught driving with expired insurance, or no insurance coverage, you can face penalties such as fines and license suspension.
If you plan to cancel your Allstate insurance, you should compare quotes from other insurers first. Many different factors affect the car insurance rates you receive, including your age, your ZIP code, the type of car you drive, and the coverage levels you choose.
When shopping around for new coverage, remember that the more companies you compare quotes from, the better chance you’ll have to find the best plan that fits both your budget and coverage needs.
Using an online quote-comparison tool is the best way to shop around for a new car insurance policy. You only need to enter your information once, and then you can compare multiple quotes side by side.
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Step 3: Secure a new car insurance policy
Every state except New Hampshire requires drivers to carry a minimum amount of liability insurance. It’s important to buy your new car insurance policy before canceling with Allstate to avoid a lapse in coverage and potential legal consequences. Once you’ve found a new car insurance policy, you can enroll.
Contact the car insurance company you’ve chosen to purchase a new policy. The insurer will likely check your credit history and ask for the following information when determining your premium:
Desired effective date
Date of birth
Vehicle identification number (VIN)
Payment info, such as your credit card number
Most car insurance companies allow you to choose your preferred policy start date, and you can pick any start date you like. If you plan to switch insurance companies on your Allstate renewal date, you can schedule your new policy to start the same day your Allstate policy ends to ensure that you don’t have any gaps in coverage.
Once you have a new car insurance policy in place, you can now cancel your Allstate policy.
Since Allstate doesn’t provide an online option to cancel your policy, you’ll have to contact the company directly.[3] Allstate directs drivers to its contact page, where you have a few generic options for contacting customer service, including online chat, email, and a customer service phone number: 1 (800) 726-6033.
You can also call your Allstate agent for help with canceling your coverage or contact them to cancel your plan using the “My Agent” link on your online “My Account” page.
The mailing address listed on Allstate’s contact page is the company’s corporate address. But Allstate notes that this address can’t receive mail, so you can’t cancel your policy through the mail.
Step 5: Follow up on your refund
Once you’ve canceled your Allstate policy, make sure the cancellation went through successfully and check on any refunds Allstate may owe you. In addition, if your payments are on auto pay with your bank or credit card, confirm that Allstate isn’t still charging you.
Depending on when you cancel your Allstate car insurance, you may be able to get a refund. If you prepaid for your policy and decided to cancel your plan partway through the term, Allstate will likely refund any unused portion of your premium. If you pay for your plan month to month, you may still be able to get a refund, depending on your payment plan.
Good to Know
If you’re unsure whether you’re eligible for a refund, check your policy details or ask your Allstate agent. If you decide to switch insurance companies on your Allstate renewal date, which is usually the simplest time to switch, it’s unlikely you’ll receive a refund since your plan will have ended.
How Allstate quotes stack up vs. competitors
The cost of car insurance is one of the main reasons people choose to switch insurers. If you’re considering canceling your Allstate car insurance, you’ll want to compare plan costs from different insurance companies. Many factors can affect your rate, including your age, location, driving record, education, and the kind of car you drive.
Here’s a look at the average monthly liability-only and full-coverage costs of Allstate versus other major car insurance companies:
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Canceling Allstate insurance FAQs
Canceling your Allstate car insurance doesn’t have to be difficult, but you should be aware of a few things before you cancel your policy. Here’s some additional information about canceling an Allstate policy.
Does Allstate charge a cancellation fee?
Allstate doesn’t provide any information on its website about whether it charges cancellation fees. It’s a good idea to check the fine print on your policy or contact your agent for more information.
Can you cancel your Allstate policy at any time?
Yes. You can cancel your Allstate policy at any time.[4] If you’re dissatisfied and want to find an alternative insurance option, you can cancel your policy no matter how long you’ve been an Allstate customer.
How can you confirm your Allstate insurance policy is canceled?
You can confirm your Allstate insurance policy is canceled by contacting your agent, logging into your account to view your policy cancellation date, or checking your bank account to make sure that any automatic payments you may have set up with Allstate have ended.
Does Allstate have a grace period for non-payment?
Allstate doesn’t provide any information on its website about whether it has a grace period for non-payment. If you’re having trouble making your premium payments, contact customer service or call your agent to discuss your options.
How do you cancel car insurance online?
You can’t cancel your Allstate insurance policy online. To cancel your policy, you’ll have to contact customer service or call your agent.
Sarah Archambault enjoys helping people figure out how to manage their finances and credit. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans. Her work has been featured on Credit Karma, Experian, LendingClub, Sound Dollar and USA Today Blueprint. She also writes for national insurers, banks and financial institutions like Aetna, MassMutual, Stripe, and UnitedHealthcare.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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