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

Esurance is relatively easy to cancel, but you’ll have to make a phone call to terminate your policy.

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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Konstantin Halachev
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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.

Updated June 1, 2024

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Esurance customers who want to cancel their insurance policy must do so over the phone. The company doesn’t offer the option to cancel coverage online or using the mobile app. Esurance indicates agents will help you try to find alternatives to canceling coverage first, so you may face a pitch to remain a customer when you call to cancel.[1]

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Esurance’s cancellation policy

While the company doesn’t clearly state its cancellation policy on its website, you can call the Esurance customer service phone number at 1 (800) 378-7262 and ask about the insurer’s cancellation policies and fees.

If you received your policy by email, check your account for the policy information. Searching the documents for “cancel” may help you locate the cancellation policy. Typically, you’ll receive a refund of the unused insurance premium if you cancel before renewal.

Be sure to avoid an insurance coverage lapse by setting up a new car insurance policy before canceling. It can be more challenging and pricey to buy auto insurance if you don’t have continuous coverage.

Step 1: Look up the renewal date

Your auto insurance renewal date is on your policy’s declaration page, which is a cover page with an overview of your coverage limits, name, address, and coverage dates.

Many auto insurance companies like Esurance state that you must cancel your policy within 10 days of the renewal date of your current term to avoid receiving a bill for the next policy.[2]

Step 2: Compare car insurance quotes

If you’re canceling auto coverage from Esurance because of high costs, it’s helpful to see if you can find an affordable new policy before you cancel. You should get quotes from several different insurers to see which will provide the best price on auto coverage.

Many factors affect how much Esurance and other competitors charge for car insurance. Some of the most important factors include driving history, the vehicle you drive, previous claims, and your age, gender, and marital status.[3]

You can take steps to earn lower costs by taking a defensive driving course, bundling coverage, increasing your deductible, and more. But you can’t change how your age and location affect costs. Shopping around for coverage is important because insurers have different methods of calculating risk and pricing policies.

How Esurance quotes stack up vs. competitors

Car insurance costs from Esurance — and other insurance companies — vary by state, with policies priced significantly higher in some locations than in others. Drivers in states with high population density, like New York, typically pay more for coverage than people in less populated states, like Missouri. Insurers will also consider your driving record, age, motor vehicle type, and more.

Esurance policyholders have access to the company’s highly rated mobile app and a solid selection of auto coverage options. You can save on coverage by downloading the company’s DriveSense app and practicing safe driving habits. Esurance also sells other insurance products, including motorcycle, renters, and homeowners insurance.

The table below shows how average car insurance quotes from Esurance compare to other companies for both liability-only and full-coverage policies.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
COUNTRY Financial$42$19
NJM$55$34
Hugo$61$51
Auto-Owners$80$37
Erie$92$55
USAA$99$46
Mile Auto$114$60
Metromile$116$74
State Farm$117$54
GEICO$119$55
Root$128$87
Safeco$131$72
CSAA$131$88
Progressive$134$79
Allstate$137$62
Clearcover$143$87
Mercury$158$83
National General$160$77
American Family$172$76
The Hartford$175$111
Elephant$184$100
Nationwide$185$84
State Auto$189$94
Direct Auto$194$99
Travelers$195$89
Shelter$199$107
Liberty Mutual$218$103
AssuranceAmerica$218$125
Dairyland$230$84
The General$244$114
Chubb$245$114
Farmers$248$111
Infinity$259$186
21st Century$261$120
GAINSCO$277$124
Anchor$279$101
Foremost$280$137
Amica$281$169
Bristol West$282$128
Commonwealth Casualty$312$119
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

Before you can cancel your Esurance auto insurance policy, you need to secure a new policy to avoid a gap in insurance coverage. State laws require drivers to carry proof of insurance to drive legally. Failure to maintain car insurance can result in penalties, including fines, license and registration suspension, and higher rates for car insurance coverage.

Once you choose an insurer, you’ll need to contact an agent or initiate the coverage-buying process online. Your new insurer will want to check your credit history and review some documentation to determine how much to charge you for car insurance. Make sure you have the following information available before starting this process:

  • Desired effective date for new policy

  • Date of birth

  • Vehicle identification number (VIN)

  • Your payment information

Learn More: How to Compare Car Insurance Rates

Learn More: How to Compare Car Insurance Rates

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Step 4: Cancel your Esurance policy

Don’t sweat canceling your current policy with Esurance. Just give Esurance customer service a call at 1 (800) 378-7262. Have your Esurance policy number handy, and let them know you’re canceling. Expect them to try to talk you out of it by offering a discount or other benefits. Remember that you have no obligation to stay with Esurance.

Ask the representative about the refund amount you’ll receive, and request an email confirming everything you discussed.

Step 5: Follow up on your refund

If you cancel your Esurance car insurance policy before the renewal, you’ll likely get prorated compensation for your unused premium. Expect to see a check in the mail or a credit to your bank account or credit card within two weeks. If not, contact Esurance and follow up about your refund.

Cancel Esurance auto insurance FAQs

Check out the answers to these frequently asked questions if youre thinking about canceling your auto coverage with Esurance.

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

    If you’re late making a payment with Esurance, you may face a $10 or $15 late fee, depending on your state. And, in most cases, after 25 days, Esurance will cancel your policy for non-payment. The company will likely send you a cancellation notice.

  • How do you cancel car insurance online?

    It’s not always possible to cancel car insurance online. For example, Esurance only allows you to cancel your coverage by calling the company at 1 (800) 378-7262. It’s a good idea to try to start the cancellation process before your renewal date to avoid an insurance lapse by solidifying the details of your new car insurance policy and canceling your old policy.

  • Is there a fee to cancel Esurance auto insurance?

    If you cancel your Esurance policy before the policy term expires, Esurance may charge you a policy cancellation fee. Verify any additional charges when you call to cancel your policy. Request that the customer service or insurance agent send you confirmation of the details by email.

  • How do you find new car insurance if you cancel your Esurance policy?

    Fortunately, finding new car insurance after deciding to cancel with Esurance is a breeze. Just enter your ZIP code, driver’s license, and other basic information online at Insurify to see quotes from different insurance companies and find a better deal. You can then choose your favorite option from dozens of the best car insurance companies and set up a new auto insurance policy in a few minutes.

Sources

  1. Esurance. "Canceling your auto policy (and what to consider first)."
  2. Esurance. "Consumer Bill of Rights."
  3. Insurance Information Institute. "What determines the price of an auto insurance policy?."
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 HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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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