What do I need to do to cancel my auto insurance policy with Esurance?
Knowing how to cancel car insurance and what you need to do to cancel your auto insurance policy with Esurance can help you avoid a lapse in coverage. You can cancel your Esurance policy through mail, phone, email, or the company's website, but it's a good idea to choose a new insurance company first.
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Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Melanie Musson
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Brandon Frady
Updated November 2024
- Canceling Esurance auto insurance coverage is typically quick and easy
- An improper cancellation could lead to a lapse in coverage or duplicate coverage
- When you cancel, be prepared to show documents such as the insurance card for your new insurer
What must you do to cancel my auto insurance policy with Esurance? Canceling your Esurance auto insurance policy is usually simple, but it’s a good idea to proceed carefully to avoid being without insurance or paying more than you should.
In most parts of the United States, people must have at least liability auto insurance.
Canceling your coverage too early could lead to costly fines and higher rates when you buy auto insurance again. This article will discuss how to cancel auto insurance with Esurance and the information you need.
Information You Need to Cancel Your Esurance Auto Insurance
Before contacting Esurance to cancel your policy, you can save time and make the cancellation process easier by gathering any necessary information. Esurance usually asks for:
- Your Esurance policy number
- The policy number for your new coverage, the name of the company, and the start date of your new policy
- Your reason for cancellation
- The date when you want Esurance coverage to stop
If you’re not switching insurance companies and don’t need auto insurance, Esurance may ask for proof of a returned license plate or a bill of sale.
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How to Cancel Your Auto Insurance Policy With Esurance
Esurance is one of the best affordable auto insurance companies, but there are several reasons why you might need to cancel your Esurance auto coverage, including:
- Receiving a better quote from another company
- Reducing optional coverage like roadside assistance or rental insurance to save money
- Moving to a state where Esurance doesn’t operate
- Not driving because you use another vehicle or public transportation instead
- Selling your vehicle
Even if you don’t plan to use your car anytime soon, avoiding a lapse in coverage is a good idea. Esurance and other auto insurance companies consider your coverage history when determining your rates, and a gap could increase the price you pay when you start using your vehicle again.
Rather than canceling your auto insurance completely, consider switching to a liability-only policy instead of full coverage while not using your vehicle.
If you want to switch insurance companies, schedule your new coverage to start on the same day you cancel your Esurance policy. Affordable full coverage auto insurance usually costs around $100.30 per month.
You can contact Esurance’s customer service department and let them know you want to cancel some or all of your coverage by calling 1-800-ESURANCE (1-800-378-7262). It’s open daily, from 7 a.m. to 9 p.m. CT Monday through Friday and 7 a.m. to 7 p.m. CT on Saturday and Sunday.
Drivers can use the Esurance website to cancel their coverage as well.
Understanding How to Cancel Esurance Auto Insurance
Canceling Esurance auto insurance can help avoid unnecessary charges and fines. Planning your cancellation well also gives you all the time you need to get affordable instant auto insurance quotes and pick a new policy that works for you.
Frequently Asked Questions
Can I get a refund for unused coverage?
Yes, Esurance should give you a refund for any coverage you didn’t use.
For example, if you paid for six months and need to cancel after four months, you’ll get a check or electronic payment for two unused months of auto insurance. You can speak to customer service at Esurance to find out whether you qualify for a refund.
How long do refunds usually take?
Getting a refund takes about two weeks. If you don’t receive your funds by then, you can contact Esurance and ask when to expect them.
Does Esurance charge a cancellation fee?
In some cases, Esurance may charge a cancellation fee if you stop coverage before your policy’s term ends. Therefore, check your policy terms before requesting a cancellation.
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