How to Cancel an Allstate Car Insurance Policy in 5 Easy Steps (2023)

You can cancel your car insurance policy at any time. But to avoid a lapse in coverage, it’s important to have a new plan before switching.

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Updated May 26, 2023

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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 before canceling your Allstate car insurance, finding a new policy is important.[1]

Quick Facts
  • Liability-only coverage costs $146 per month on average with Allstate.

  • You must contact Allstate customer service or your agent to cancel your policy.

  • Before you cancel your Allstate policy, be sure to enroll in new car insurance coverage.

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How to cancel Allstate car insurance

Saving money on your car insurance policy is one of the most common reasons for switching insurers. You may also decide to switch if you need to add a new driver or vehicle to your policy.

Whatever your reason for canceling, here are five steps you’ll want to follow:

1. Check your policy 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. With Allstate, you can view your account information, including your policy renewal date, by logging into your account online, contacting customer service, or asking your agent.[2]

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. Allstate doesn’t make it clear on its website whether it charges cancellation fees, but switching policies when your policy ends is often a good way to avoid any costs beyond the premium for your new policy.

2. Compare car insurance quotes

If you plan to cancel your Allstate insurance, you should compare quotes from other insurers first. 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 shopping service is the best way to shop around for a new car insurance policy. Be careful of lead-generation sites online that seem spammy.

3. Enroll in a new car insurance policy

Most states require you to carry car insurance. Make sure to buy your new plan before canceling with Allstate to avoid a lapse in coverage. Once you’ve found a new car insurance policy that works for you, you can enroll.

Most car insurance plans allow you to choose your preferred 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 plan ends.

Learn More: Car Insurance Grace Periods: What You Need to Know

Learn More: Car Insurance Grace Periods: What You Need to Know

4. Cancel your policy with Allstate

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 phone number.

You can also reach out to your Allstate agent to cancel your plan using the “My Agent” link on your online “My Account” page. The mailing address listed on their contact page is Allstate’s corporate address, but it notes that this address can’t receive mail, so you can’t cancel through the mail.

5. Follow up on any refunds and confirm cancellation

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 autopay 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. 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.

Does Allstate charge cancellation fees?

Allstate doesn’t specify whether it charges a cancellation fee to cancel your car insurance policy on its website. However, if you coordinate your cancellation on your renewal date, you likely won’t be charged a fee since your plan has ended. If you decide to cancel midterm, you could have to pay a charge, depending on your policy terms.

Make sure to factor in any penalty charges you may face for terminating your plan, so you can know the total cost of switching coverage. Before canceling your Allstate coverage, check your policy documents for information on cancelation fees or contact your Allstate agent and ask about any costs.

Read More: How to Switch Your Car Insurance in 6 Steps

Read More: How to Switch Your Car Insurance in 6 Steps

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Allstate car insurance costs vs. other insurance companies

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 different factors can determine your rate, including your age, location, driving record, education, and the kind of car you drive.

Here’s a look at the average monthly cost of Allstate versus other major car insurance companies:

Insurance CompanyAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
Allstate$212$146
American Family$227$158
Auto-Owners$109$76
Direct Auto$231$194
Farmers$317$218
GEICO$178$125
Liberty Mutual$284$198
Nationwide$182$167
Progressive$238$161
State Farm$175$125
The General$451$259
Travelers$172$131
USAA$152$106
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.

Allstate car 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. Below, you’ll find answers to some commonly asked questions about canceling an Allstate policy.

  • How long does it take to cancel your policy with Allstate?

    Allstate doesn’t specify on its website how long it takes to cancel your policy. Before canceling, check your policy documents or reach out to your agent to see if there’s a specific timeline for canceling. This can be an important step in avoiding a lapse in coverage.

  • Can you cancel your coverage with Allstate 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 or if you simply no longer need car insurance, you can cancel your policy no matter how long you’ve been an Allstate customer.

    If you’re considering switching, with Insurfy’s car insurance comparison tool, you’ll be able to explore auto insurance rates from highly rated insurers so you can find the right plan for your unique needs.

  • Can you cancel your Allstate insurance policy online?

    No. You can’t cancel your Allstate insurance policy online. To cancel your policy, you’ll have to contact Allstate by phone or talk to an agent in person.

  • Does Allstate charge a cancellation fee?

    Allstate doesn’t provide clear information about any fees included with cancellation on its website. It’s a good idea to check the fine print on your policy or contact your agent for more information.

  • Do you need a new car insurance policy before you cancel your policy with Allstate?

    Yes. It’s important to have a new car insurance policy in place before canceling your policy with Allstate, since most states have laws requiring continuous coverage. If you don’t have a new plan before canceling, you could experience a lapse in coverage, which can lead to legal issues or high out-of-pocket costs if you get into an accident.

Sources

  1. National Association of Insurance Commissioners. "A Consumer's Guide to Auto Insurance." Accessed May 19, 2023
  2. Allstate. "Contact Allstate." Accessed May 19, 2023
  3. Allstate. "Your Allstate Policy." Accessed May 19, 2023
  4. Allstate. "Should I cancel my car insurance or adjust my policy?." Accessed May 19, 2023
Sarah Archambault
Sarah Archambault

Sarah Archambault enjoys helping people figure out smarter ways to use their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans. She’s created and edited content for Credit Karma, Experian and Sound Dollar, along with banks, financial institutions, and insurance companies.

Danny Smith
Edited byDanny SmithHome and Pet Insurance Editor
Photo of an Insurify author
Danny SmithHome and Pet Insurance Editor
  • P&C license candidate in Massachusetts

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

Featured in

media logo
Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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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