How to Cancel Your Erie Auto Insurance Policy in 5 Easy Steps (2024)

Erie auto insurance isn’t difficult to cancel, but you’ll need to do it by reaching out to a local agent via phone, mail, or an in-person visit.

Christy Rakoczy
Written byChristy Rakoczy
Christy Rakoczy
Christy Rakoczy

Christy Rakoczy has been a personal finance and insurance writer for over a decade. Her work has been published on USA Today, MSN, Yahoo Finance, Credit Karma, Forbes Advisor, and more. Christy has a JD from UCLA School of Law and previously worked as a data analyst for Blue Cross and as a paralegal studies instructor before transitioning to writing full time.

Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Updated April 1, 2024

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The only way to cancel Erie auto insurance is to contact your local insurance agent directly. You can find your agent’s contact details on your insurance policy or by using Erie’s online tool that lets you find your local agent.[1]

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Erie’s cancellation policy

While Erie hopes to retain its policyholders, the company honors all cancellation requests. To cancel your car insurance with Erie, you’ll need to reach out to a local Erie agent via phone, mail, or in person. You can ask for your cancellation to take effect immediately or at a later date to avoid a lapse in coverage.

When you get hold of an agent, you’ll need to share your name, policy number, and desired date of termination. Fortunately, you won’t have to pay a cancellation fee when you do so. Also, if you paid for your policy up front, you may be eligible for a prorated refund of any unused portions.

Step 1: Look up the renewal date

If you want to cancel your Erie auto insurance policy, you may want to do so right away. However, if you cancel your current plan as close to your renewal date as possible, you can avoid a gap in coverage, which would otherwise be a serious issue if a police officer pulls you over or you get into a car accident.

Canceling near your renewal date may also make it easier to switch car insurance companies and enroll in new coverage. To find your renewal date, log in to your online account at erieinsurance.com. You can also look at your auto insurance identification card, which you may have in your vehicle’s glove box or download from the Erie website.

Step 2: Compare car insurance quotes

If you’re thinking about canceling your auto insurance from Erie, it’s helpful to make sure you have other options for affordable coverage. Many factors affect what you’ll pay for insurance, including your driving record, other drivers on your policy, where you live, and the vehicle you drive.

Different insurers have their own processes for evaluating risk levels, so coverage from some insurers may cost significantly less than others for motorists with certain driving profiles. By comparing quotes from different insurers, you can make sure you’re paying the best price for a policy.[2]

How Erie quotes stack up vs. competitors

The cost of auto coverage can vary substantially by location and insurer. Different states have varying risk factors and policies — including minimum insurance requirements — that affect prices.

Beyond location, you’ll need to look for a car insurance company that meets your needs based on your driver profile, vehicle type, desired coverage, and more. Erie offers a variety of insurance products, including auto, home and property, business, and life insurance.

The company stands out as a quality car insurance company with a high Insurify Quality (IQ) Score of 4.4 out of 5, an A+ (Superior) financial strength rating from AM Best, and high rankings in customer satisfaction and service from J.D. Power. However, Erie sells coverage in only 12 states and doesn’t have solid online service offerings.

The table below shows how Erie stacks up to a handful of comparable auto insurers.

The below rates are estimated rates current as of: Monday, April 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
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.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
COUNTRY Financial4521
Hugo5448
NJM5736
Auto-Owners8238
Erie9557
Root9862
USAA10046
Mile Auto10556
State Farm11654
GEICO11954
Metromile12076
Safeco12566
Allstate13963
CSAA14289
Progressive14581
Clearcover14788
Mercury15383
American Family17477
National General17779
Elephant17799
The Hartford181115
Nationwide18785
Travelers19890
Direct Auto19897
Shelter198110
State Auto19999
Liberty Mutual20496
AssuranceAmerica207119
Dairyland23184
Farmers249110
The General250115
Chubb253117
GAINSCO263121
Anchor266104
21st Century272123
Foremost277137
Bristol West290129
Amica290177
Commonwealth Casualty307117
Infinity324198
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.

Step 3: Secure a new car insurance policy

It’s very important to set up a new auto insurance policy before canceling your existing coverage. States have minimum coverage requirements, and driving while uninsured could result in the suspension of your vehicle registration, expensive fines, and other potential penalties. It can also cost more to buy new coverage after a lapse in coverage.

To sign up for a new policy, you’ll need to contact an insurance agent or complete an application online, depending on the policies of the insurance company. The insurer may check your credit, as this is a factor that companies in many states can consider when setting premiums.

You’ll also need to provide key information to the insurer to get coverage, including:

  • The date you want the policy to become effective

  • Your date of birth

  • Your driver’s license number

  • Your vehicle identification number (VIN)

  • Your credit card, bank account, or other method of payment

Learn More: How to Compare Car Insurance Rates

Learn More: How to Compare Car Insurance Rates

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Step 4: Cancel your Erie policy

If you’ve already finalized a new car insurance plan and wish to cancel your Erie auto insurance policy, you’ll have to contact a local Erie insurance agent.[3] No matter if you reach them by phone, via mail, or in person, you’ll need an official written notice that includes:

  • Your name, address, and phone number

  • Your Erie policy number

  • Your Social Security number and date of birth

  • Your driver’s license number

  • The date you’d like your policy to end

  • Your dated signature

Here are more details on each cancellation method.

Phone

To cancel your car insurance coverage by phone, call Erie customer care at 1 (800) 458-0811 any weekday from 8 a.m. to 11 p.m. Eastern time or Saturday from 9 a.m. to 4:30 p.m. Eastern time. You can select option 4 or stay on the line. If you have your local agent’s number on hand, call them directly to save time.

Mail

You can also bypass the phone and send your written notice to the Erie Insurance headquarters at:

Erie Insurance Group

100 Erie Insurance Place

Erie, PA 16530

To allow ample time for shipping, processing, and delays, try to send your letter a few weeks before you’d like your policy to end.

In person

If you prefer a more traditional in-person cancellation, visit a local Erie insurance branch, the locations of which you can find on the Erie website. These branches are in Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin, and Washington, D.C.

Step 5: Follow up on your refund

Just like any other car insurance company, Erie is in business to make money. Therefore, your refund may not be at the top of its priority list, even if you’ve been a longtime policyholder and canceled on good terms.

If you know Erie owes you a refund because of the way you paid for your policy, be sure to contact a local agent if you don’t receive it a few weeks after your termination. Since your refund may be hundreds of dollars, don’t forget about it. Follow up until you receive the correct prorated amount the company owes you.

Cancel Erie auto insurance FAQs

If youre thinking about canceling your insurance coverage with Erie, you may find this additional information helpful.

  • Can you cancel your Erie policy at any time?

    You can cancel your Erie Insurance policy at any time and for any reason. You won’t face a cancellation fee. However, make sure you have alternative insurance in place to avoid the consequences of owning or driving an uninsured vehicle. You should time your cancellation close to your renewal date.

  • Does Erie have a grace period for non-payment?

    Erie doesn’t provide information about a grace period online. However, Erie policyholders with past-due payments can’t schedule payments for a future date when making payments.

  • Does Erie charge a cancellation fee?

    Unlike some car insurance companies, Erie Insurance doesn’t charge a fee for canceling an auto policy. The insurer may even send you a prorated refund for any unused premiums. It’s a good idea to confirm any fees or refunds with an agent when you initiate the cancellation process.

  • Should you cancel or change your policy?

    Whether you should look for different auto coverage from Erie or cancel your plan altogether depends on your unique situation. If you find a better plan and Erie offers you a lower rate or rate lock, you may benefit from staying with Erie. However, if you’re moving to a state where Erie doesn’t offer coverage or receive an unbeatable car insurance offer elsewhere, terminating your policy is likely your best bet.

Sources

  1. Erie Insurance. "How to Cancel Car Insurance."
  2. Natiuonal Association of Insurance Commissioners. "A Consumer's Guide to Auto Insurance."
  3. Erie Insurance. "Contact ERIE."
Christy Rakoczy
Christy Rakoczy

Christy Rakoczy has been a personal finance and insurance writer for over a decade. Her work has been published on USA Today, MSN, Yahoo Finance, Credit Karma, Forbes Advisor, and more. Christy has a JD from UCLA School of Law and previously worked as a data analyst for Blue Cross and as a paralegal studies instructor before transitioning to writing full time.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

media logomedia 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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