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.
You can cancel your State Farm insurance policy over the phone, by mail, or in person.
Whatever your reason for changing insurance companies, you’ll need to have a new auto policy in place before canceling your State Farm coverage.
State Farm cancellation policy
State Farm provides instructions for canceling your policy on its website. You can cancel your State Farm car insurance policy at any time by calling your local agent. You’ll typically need to give them your policy number and date of birth when you call.
You can also cancel your policy by mail or in person at a local branch. State Farm doesn’t specify on its website if it charges a cancellation fee.
You won’t be able to cancel your State Farm auto policy online.
Follow the steps below to cancel your State Farm car insurance policy. If you aren’t sure how to cancel or if you have questions about your policy, contact your local insurance agent for help.
Step 1: Look up your 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.
Knowing your policy renewal date can also help ensure you don’t have a lapse in coveragebefore your new policy goes into effect.
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.
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.
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Step 3: Secure a new car insurance policy
Since every state except New Hampshire requires drivers to carry a minimum amount of liability insurance, you’ll likely need to enroll in new coverage before canceling your State Farm policy. If you let your coverage lapse you could incur fines and penalties, and it could be harder to find coverage in the future.
Once you’ve found a new policy that works for you, go ahead and sign up. Your new insurance company will probably require some documentation to determine your premium and enroll you in coverage, including your:
Desired effective date
Date of birth
Vehicle identification number (VIN)
Payment info, such as your credit card number
Many insurance companies let you pick your coverage start date. So, if you decide to wait until your renewal date, you can choose to start your new policy the same day your State Farm policy 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.
Step 5: Follow up on your refund
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 auto pay, you’ll also want to confirm with your bank or credit card company that the charges stop when your policy ends.
How State Farm quotes stack up vs. competitors
Saving money is often the top reason people choose to switch insurers. Insurance rates can vary widely and depend on lots of different factors, including your driving history, age, type of vehicle, education, and credit history.[3]
If you’re thinking about canceling your State Farm policy, it’s a good idea to compare 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.
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Canceling State Farm 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.
Does State Farm charge a cancellation fee?
The State Farm website doesn’t make clear if the company will charge you 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.
Can you cancel your State Farm policy at any time?
Yes. Like all car insurance, you can cancel your State Farm policy at any time, for any reason. But the best time to cancel is often when your policy is up for renewal.
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 call State Farm, notify the company by mail, or see an agent in person.
How can you confirm your State Farm insurance policy is canceled?
You’ll most likely receive an email confirming the cancellation of your State Farm policy, but check with your agent to be sure. If you had your premiums set up on automatic payments, you’ll also want to check your bank account or credit card to make sure that State Farm is no longer charging you for coverage.
Does State Farm have a grace period for non-payment?
State Farm doesn’t make it clear on its website whether it has a grace period for non-payment, but many companies offer some sort of payment grace period. If you aren’t sure, contact your State Farm agent for more information.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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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