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

Farmers allows customers to cancel auto insurance policies quickly and provides refunds on unused portions of canceled policies.

Angela Brown
Written byAngela Brown
Angela Brown
Angela Brown
  • 17+ years in insurance and personal finance writing

  • In-depth knowledge of home and real estate topics

Angela is an insurance and personal finance expert who uses her experience to create content that helps readers understand important and complex topics.

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Katie 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
Data reviewed byKonstantin 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 December 15, 2023

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You may want to change your insurance company for one of several reasons, including cost, customer service, and different coverage needs. You can cancel your auto insurance policy with Farmers by contacting your insurance agent or the customer service line at 1 (888) 327-6335.

Before you cancel your coverage, make sure you have another auto policy in place to avoid coverage gaps and potential effects on your car insurance premium.

Quick Facts
  • Farmers may refund unused premiums if you cancel before renewal.

  • Buy a new car insurance policy before canceling your Farmers policy.

  • Cancel Farmers Insurance by calling 1 (888)-327-6335.

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Farmers cancellation policy

The process to cancel Farmers auto insurance is pretty straightforward. When you call the Farmers customer service phone number at 1 (888) 327-3335, you can speak with a representative to request your policy cancellation. You can also contact your Farmers insurance agent to inform them of your decision.[1]

Either way, the representative will likely try to convince you to stay with Farmers. Simply repeat your request, and they’ll cancel your coverage. Make sure to have your Farmers policy number on hand to expedite the process.

The Farmers website isn’t clear about possible cancellation penalties, so it’s not clear if the company charges a cancellation fee in some circumstances. Ask the Farmers agent before you commit to your cancellation request to find out for sure. That way, you can ask questions about the cancellation fee and if you qualify for a refund of unused premiums.

Step 1: Look up the renewal date

Your first step to canceling your Farmers car insurance policy is to determine your renewal date — that’s the date your current policy ends. Pull out your most recent policy documents and look at the cover page. It will list the coverage dates, and the end date is your renewal date.

Insurers typically don’t charge a penalty if you cancel before the renewal date. Also, ask if you’ll receive a refund for the unused premiums if you cancel coverage before the end of your policy term.

Step 2: Compare car insurance quotes

When shopping for car insurance, it can be helpful to understand what factors affect the cost of your coverage. Common things insurance companies consider when setting auto insurance rates include age, driving history, type of vehicle, financial stability, and ZIP code. Drivers should compare costs from multiple companies to find the best rate for the coverage they need.

If you’re switching companies to save money, you should pay close attention to potential discounts you may qualify for with your new company. In addition, you may consider bundling multiple auto policies, home, or life insurance to save money.

How Farmers quotes stack up vs. competitors

Drivers who have policies from Farmers should consider quotes for coverage from other companies. Farmers Insurance typically costs more on average than coverage from other top insurers, like Allstate, Progressive, and State Farm.

In some cases, drivers with Farmers can save more than $100 monthly by switching to a competitor. You should consider whether the quality discounts and roadside assistance programs that Farmers offers are worth the extra cost of insurance.

Compare average quotes by coverage level from other top insurers below.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Farmers$248$111
Allstate$137$62
GEICO$119$55
Liberty Mutual$218$103
Progressive$134$79
State Farm$117$54
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Step 3: Secure a new car insurance policy

Before you cancel your policy with Farmers Insurance, you should shop around to compare rates from different car insurance companies and secure a new auto policy. Don’t forget to consider bundling coverage with umbrella policies or combining a homeowners policy and auto policy to save money.

Your new insurer may even help contact Farmers to cancel the old coverage for you. It’s essential to have a new policy in place to avoid gaps in coverage because a lapse could result in penalties for failing to meet your state’s minimum coverage requirements. It could also lead to financial loss if you have an accident before your new policy kicks in.

You can compare multiple quotes online at once, contact insurance agents, or source quotes from company websites to secure a new policy. When you apply for new insurance coverage, you’ll need to share the following personal information:

  • Desired policy effective date

  • Date of birth

  • Vehicle identification number (VIN)

  • Payment info, such as your credit card number

Your new insurance company will also likely run a credit check to help determine your new rates.

Compare Car Insurance Rates All in One Place (June 2024)

Compare Car Insurance Rates All in One Place (June 2024)

Step 4: Cancel your Farmers policy

Finally, you’re ready to cancel your Farmers car insurance policy. It helps to have your policy number handy before you call. You can cancel a Farmers Auto Insurance policy by speaking to your local agent, calling 1 (888) 327-6335, texting 1 (855) 922-3025, or visiting a Farmers office in your area.

You may also be able to submit a cancellation letter for your insurance products. Check with your local agent for contact information. Whichever method you use, ask about whether you’ll receive a refund for unused premiums if you cancel before your policy’s renewal date.

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Step 5: Follow up on your refund

If applicable, you should receive your refund of unused premiums within a few weeks. Typically, insurance companies mail you a check for the total amount owed, but some may credit your bank account or credit card.

Call Farmers at 1 (888) 327-6335 and ask for an update if it’s been two or three weeks and your refund hasn’t yet arrived.

Cancel Farmers Insurance FAQs

The following information can help you navigate through the process of canceling an auto insurance policy from Farmers.

  • How do you cancel your Farmers car insurance policy?

    You can cancel your Farmers auto insurance policy by calling your insurance agent or contacting the customer service line at 1 (888) 327-6335. You can also send a text to 1 (855) 922-3025.

  • Can you cancel your Farmers policy at any time?

    Yes. You can cancel your insurance policy at any time. You may need to provide proof of new coverage before you cancel. Farmers will refund any unused premium once you cancel your policy.

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

    Farmers Insurance charges a $15 late fee if you don’t submit your payment by the due date. However, drivers have up to 30 days to pay late fees to avoid policy cancellation.[1]

  • What should you do before canceling your car insurance with Farmers?

    You must do two things before stopping your car insurance coverage with Farmers. First, check your renewal date on the policy to determine when your policy ends. Second, make sure you purchase new car insurance and have coverage in place.

  • Does Farmers charge a cancellation fee?

    Farmers doesn’t specifically state whether it charges policyholders a cancellation fee. You’ll need to ask when the cancellation process begins. If the company does have a fee, you might decide to wait out the policy period to avoid paying the charge. Alternatively, you may not face a fee and can even get a refund if you cancel before the end of your policy term.

Sources

  1. Farmers Insurance. "Farmers Insurance FAQ."
Angela Brown
Angela Brown

Angela Brown is a freelance writer with 17 years of professional writing and editing experience.
She specializes in finance, real estate, and insurance content. Angela uses her experience to
create easy-to-understand content that helps consumers understand tough topics better. When
she’s not working, she enjoys spending time with her family and planning vacations.

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

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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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