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’re a State Farm customer and want to cancel your policy and switch to another insurance company, you can do so at any time.[1] Maybe you found a cheaper policy elsewhere or another company offers discounts that State Farm doesn ’t.
Whatever your reason for changing insurance companies, you’ll need to have a new auto policy in place before canceling your State Farm coverage.
Quick Facts
You can cancel your State Farm insurance policy over the phone, by mail, or in person.
Liability-only insurance costs $125 per month on average with State Farm, according to Insurify data.
State Farm may be able to help you find ways to save money on your policy instead of switching.
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How to cancel State Farm car insurance
If it’s time to renew, you’ve moved, need to add a new driver, or your situation has changed for any other reason, you may consider switching car insurers. One of the most common reasons for canceling your car insurance policy is to save money, especially if your policy has gone up in cost.
Whatever your reason for canceling your State Farm car insurance policy, here are five steps you’ll want to follow:
1. Check your policy renewal date
The best time to cancel your State Farm policy and switch insurance companies is when your policy is up for renewal. While State Farm doesn’t specify on its site if it charges a cancellation fee, switching to a new policy when your current one is set to expire is generally a good way to avoid racking up any additional charges beyond your new policy’s premium.
To check your State Farm renewal date, you can contact State Farm directly, contact your local agent, check your policy documents, or view your account information online or in the State Farm app.
2. Compare car insurance quotes
If you’re thinking about canceling your State Farm auto insurance, you should first compare quotes from other insurers. Shopping around for coverage can help you find a new plan that fits your insurance needs and budget. The easiest way to shop policy options and prices from many different companies is to use an online quote-comparison shopping service. Just be careful of lead-generation sites that feel spammy.
If you’re only thinking about switching away from State Farm due to cost, State Farm may be able to work with you to lower your premium. It could be a good idea to talk to your agent before canceling to see if there’s anything they can do to help you save, such as raising your deductible, switching to more affordable monthly payments, or adding discounts for bundling other types of insurance.
3. Enroll in a new car insurance policy
Since most states require drivers to be insured, you’ll likely need to enroll in new coverage before canceling your State Farm policy. Once you’ve found a new plan that works for you, go ahead and sign up.
Many plans let you pick your own start date, so, if you decide to wait until your renewal date, you can choose to start your new plan the same day your State Farm plan ends.
State Farm doesn’t allow you to cancel your insurance policy online. Instead, you’ll have to cancel by phone, through the mail, or over the phone. Whichever cancellation method you choose, you’ll likely need to provide State Farm with your policy number, name, and date of birth.
If you sold your vehicle and no longer need insurance, State Farm may also require proof of the sale or plate cancellation.[2]
Important Information
Remember, before canceling your State Farm car insurance, you’ll need to first be enrolled in a new policy. Most states require drivers to have car insurance by law. So, if you’re uninsured and your state requires coverage, you could get into legal trouble if you get pulled over or into an accident. A gap in insurance can also cost you financially if you need to pay out of pocket for damages or your car is vandalized, damaged by a natural disaster, or stolen.
5. Confirm cancellation
Once you’ve canceled your State Farm car insurance, you’ll want to confirm the cancellation went through successfully. If you ended your policy on its renewal date, you likely won’t be due back any money from State Farm. But if you decide to switch insurance companies mid-term, State Farm may owe you a refund, especially if you prepaid for coverage.
If you’re unsure what type of refund you can expect or how the payment may be sent, check your plan documents or get in touch with State Farm directly. If you had your State Farm payment on autopay, you’ll also want to confirm with your bank or credit card company that the charges stop when your policy ends.
Does State Farm charge cancellation fees?
It’s not clear on the State Farm website if the company charges a cancellation fee. So, if you end your State Farm plan during your policy period, you could be on the hook for a fee. Waiting until your renewal date to end your State Farm plan can help you avoid paying any fees.
Take a close look at the fine print of your policy documents, or call State Farm directly if you’re concerned about what you may owe when you cancel.
State Farm car insurance costs vs. other insurance companies
Saving money is often the top reason people choose to switch insurers. Premium rates can vary widely and depend on lots of different factors, including your driving history, age, type of vehicle, education, and credit.[3]
If you’re thinking about canceling your State Farm policy, it’s a good idea to compare plan rates across many different insurance companies in order to find a plan that works with your budget.
Here’s a look at the average monthly cost of State Farm coverage versus other major car insurance companies, based on Insurify data:
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.
State Farm car insurance FAQs
Canceling your State Farm auto insurance doesn’t have to be hard, but you should be aware of a few things before you end your policy. Below, you’ll find answers to some commonly asked questions about canceling a State Farm policy.
Do you need a new car insurance policy before you cancel your policy with State Farm?
Yes. Most states require drivers to have car insurance, so you’ll need to make sure you have a new plan in place before you cancel your policy with State Farm. Otherwise, you could get into legal or financial trouble.
Can you cancel your coverage with State Farm at any time?
Yes. Like all car insurance, you can cancel your State Farm policy at any time, for any reason. However, the best time to cancel is often when your plan is up for renewal.
How long does it take to cancel your policy with State Farm?
According to the State Farm website, once you cancel your State Farm insurance on the phone, by mail, or in person, your cancellation is often effective immediately. You can also choose to end your policy on a specified date.
Can you cancel your State Farm insurance policy online?
No. You can’t cancel your State Farm insurance policy online. To cancel, you’ll have to give State Farm a call, notify the company by mail, or see an agent in person.
Does State Farm charge a cancellation fee?
The State Farm website doesn’t make clear if you’ll be charged a cancellation fee. Be sure to check your policy documents or contact State Farm directly to see if there are any costs associated with ending your coverage.
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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