How to Cancel Allstate Auto Insurance in 3 Steps

You may want to cancel your Allstate auto insurance policy if your monthly rates are no longer affordable or you are not happy with customer service. Whatever you reasons for canceling your Allstate policy, you cancel by contacting your Allstate agent. Try to time your Allstate auto insurance cancellation around the renewal date to avoid fees, and make sure you have new insurance in place first.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Mar 30, 2021

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What You Should Know

  • You may have to pay a cancellation fee.
  • Cancellations can’t be made online.
  • Allstate may offer discounts before they cancel your policy.
  • It’s essential to have another auto insurance policy before you cancel.

If you’re here to learn how to cancel Allstate auto insurance, then you’ve come to the right place. Allstate auto insurance rates are higher than average auto insurance costs. Although the Allstate auto insurance company is ideal for seniors, the price of their standard policies can put a dent in a young, single driver’s income.

In this guide, we’ll tell you everything you need to know about how to cancel Allstate car insurance. Understanding auto insurance isn’t as hard as it seems.

Before you cancel your Allstate policy, enter your ZIP code in the FREE online quote tool to compare multiple companies to Allstate auto insurance quotes.

How do I cancel Allstate auto insurance?

Allstate won’t allow you to cancel online. You must cancel your Allstate car insurance policy through your agent. Look at your Allstate insurance card to see what agent you have in the area to locate your agent.

If you can’t locate the physical Allstate car insurance card, use the Allstate app to find an Allstate agent in your area. Or you can call Allstate’s customer service number at 1-800-255-7828. They’re available 24/7, and they can get you to the right agent.

Once you reach an agent, tell them you want to cancel. You may have to submit something in writing if you call an agent on the phone.

Here are the three steps to canceling your Allstate auto insurance:

  1. Contact your Allstate agent
  2. Choose your cancelation date
  3. Submit your cancelation request to your agent

Of course, before you begin you should make sure you have the coverage you need in place.

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Do I need to get another auto insurance policy before canceling?

As you approach the end of your Allstate auto insurance policy, start thinking about other auto insurance companies. Shop around until you find a company and a rate that works best for you.

You don’t want a gap in car insurance coverage because it will increase your car insurance rates when you go to another company.

Why should you get another policy? The first reason is to prevent a gap in auto insurance. Second, it lowers your risk for an auto insurance company, which allows you to secure cheaper rates. And finally, it keeps you insured during a switch.

Compare Allstate to Other Auto Insurance Companies

One of the reasons people cancel affordable Allstate auto insurance is because they have found a better deal. Auto insurance companies have competitive prices.

Sometimes there are promotional prices when you buy Allstate auto insurance. When promotional rates expire, you may want to start comparing Allstate to other competitors. Here’s a list of the top car insurance companies in the United States.

Average Annual Auto Insurance Rates by Company
Top Auto Insurance CompaniesAverage Annual Auto Insurance RatesAverage Six-Month Auto Insurance RatesAverage Monthly Auto Insurance Rates
USAA$2,489$1,245$207
State Farm$2,731$1,366$228
GEICO$3,074$1,537$256
Nationwide$3,187$1,594$266
American Family$3,699$1,850$308
Travelers$3,729$1,865$311
Farmers$3,908$1,954$326
Progressive$3,935$1,968$328
Allstate$4,533$2,267$378
Liberty Mutual$5,296$2,648$441
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USAA is only available to veterans and their immediate families. However, GEICO, State Farm, and the other companies are available for anyone.

You don’t have to go with the biggest companies in auto insurance. Some small car insurance companies can give you cheaper rates and better service. It all depends on your needs.

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Frequently Asked Questions: How do I cancel Allstate auto insurance?

Let’s answer a few frequently asked questions before you go. If you want to know more about Allstate, read our Allstate auto insurance review for more details on discounts and how Allstate auto insurance is affected by factors that determine auto insurance.

If you mom futher questions about how to cancel Allstate auto insurance and want to see quotes, enter your ZIP code our FREE comparison tool below. 

#1 – How do I get an Allstate auto insurance refund?

When you pay your Allstate car insurance policy in full, you can a refund if you cancel early. However, you may not get a full refund because your refund will depend on the number of months you used Allstate’s auto insurance coverage.

So if you cancel close one month before your policy, you will receive a refund equal to the monthly premium you pay. Cancellation fees will also be deducted from your refund.

#2 – How can I get cheap Allstate auto insurance?

Contact an Allstate agent or customer service and ask about discounts that you’re eligible to receive. Let Allstate know anything about your vehicle or recent changes such as credit history.

According to Experian, individuals with a good or excellent credit score can receive cheaper rates because there’s a correlation between good credit and low risk.

#3 – Does Allstate charge cancellation fees?

You could face a cancellation fee if you cancel your Allstate auto insurance before it expires. The cancellation fee could $25 to $50, or you could pay a short-rate fee. A short-rate fee is a percentage of your policy’s total amount, which is usually ten percent of your policy.

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