How to Cancel Esurance Auto Insurance in 5 Steps

Esurance auto insurance is connected to Allstate but stands alone when providing auto insurance for its customers. Your affordable Esurance auto insurance rates may change after a promotional period and increase after six months. However, Esurance will send you a renewal 45 to 65 days before your policy expires. If you cancel your Esurance policy before the renewal offer, you may have to pay a cancellation fee. Before you decide to cancel with Esurance, make sure you have new coverage in place.

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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

  • Esurance is an Allstate company
  • You can cancel your Esurance policy over the phone
  • To avoid cancellation fees, wait for your Esurance policy to expire

When you buy Esurance auto insurance during a promotional period, you may not have thought about how to cancel. Esurance auto insurance rates will increase after three to six months, which might make you want to shop around. This guide will teach you how to cancel Esurance auto insurance policies. Also, we’ll teach you how to compare auto insurance quotes without an agent.

You won’t be able to cancel online, but you can use the Esurance auto insurance phone number to cancel your policy.

Before you decide to cancel a policy with Esurance auto insurance company, use our FREE comparison tool to locate cheaper auto insurance rates from multiple companies.

How do I cancel Esurance auto insurance?

To cancel your Esurance auto insurance policy, call the Esurance auto insurance phone number at 1-800-379-7262. You’ll be connected to an automated system that can get you to an Esurance representative for cancellation.

Here are five steps you can follow to cancel an Esurance auto insurance policy.

  • Step 1: Verify your renewal date – Review your renewal offer, which comes 45 to 65 days before your policy expires.
  • Step 2: Compare auto insurance quotes – Shop around for affordable auto insurance rates. Use our online tool to find cheap coverage.
  • Step 3: Find a new auto insurance policy – Once you find the coverage you want, purchase policy and set a date, so the switch goes smoothly.
  • Step 4: Cancel your Esurance policy – Call Esurance and let them know the date you want to cancel.
  • Step 5: Follow up on your refund – Ask about your refund if you paid your policy in full.

They may require something in writing, or Esurance could reach out to you through email.

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Why should you cancel Esurance auto insurance?

There are several reasons why you should cancel your Esurance policy. We’ve listed five of the top reasons why customers should cancel their auto insurance policy.

You’re Switching Auto Insurance Companies

The auto insurance industry is very competitive. Therefore, you will find companies that have cheaper rates. Some companies are more consistent when it comes to affordable auto insurance.

According to the National Association of Insurance Commissioners (NAIC), the average cost of liability-only car insurance is $46 per month. If you think you can get a better deal, you can switch companies to save money.

Let’s review the average monthly cost of the best car insurance companies in the United States.

Average Monthly Liability-Only Auto Insurance Rates by Company
CompanyAverage Monthly Liability-Only Auto Insurance Rates
Erie$25
Country Financial$34
National General$35
USAA$35
Amica$38
GEICO$40
Safeco$40
Auto-Owners$43
Kemper$44
CSAA$45
The Hartford$45
American Family$50
Automobile Club Group$51
State Farm$52
Auto Club of SoCal$53
Mercury$53
NJM$54
Nationwide$57
21st Century$65
Allstate$65
Progressive$65
Travelers$68
MetLife$69
Liberty Mutual$75
Farmers$77
The Hanover$116
Esurance$135
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The average Esurance auto insurance rate for drivers 21 to 42 is $3,004 per year for full coverage. Liability-only coverage is usually 54 percent of the full coverage cost. Therefore, your average liability-only rates per year would be $1,622, which comes up to $135 per month.

If you have a deductible, you can lower Esurance rates between $28 and $51 per month.

You’re Moving To Another State

If you’re moving to another state where your Esurance doesn’t do business, you may have to cancel your auto insurance policy. Esurance may cancel your policy right away without any penalties. However, you should be ready to have another auto insurance policy ready to go.

You’re Not Driving Anymore

Some Esurance customers live in states where the average commute is through public transportation. There’s a significant demand for public transit in large metro areas, so you may want to consider cancellation if you don’t use your car.

You’re Selling A Vehicle

If you’ve decided not to drive as much, you can sell your vehicle. With no car in your possession, you won’t need auto insurance. It’s in your best interest to cancel your auto insurance before you give it to a buyer.

The Auto Insurance Policy is Too Expensive

Your auto insurance company can increase rates every three months to a year. Some companies decrease your auto insurance if you don’t file a claim within a year of having the policy.

Some Esurance rates can be more expensive when you do get an increase. If you think you’re paying too much for coverage, it may be time to cancel your auto insurance policy.

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When can I cancel Esurance auto insurance?

You can cancel your Esurance auto insurance any time you want. However, canceling your auto insurance policy before it expires may come with a cancellation fee.

Some cancellation fees could cost $25 to $50. Most auto insurance companies issue a short-rate fee, which is a fee that’s a percentage of your policy’s total amount (usually ten percent).

Can I receive a refund when I cancel Esurance auto insurance?

You can only receive a refund on auto insurance when you pay your car insurance policy in full. However, the refund amount depends on the months you didn’t use the company’s service.

For example, canceling three months into the policy will only get you a refund equal to three months worth of premiums. Fees and other costs are deducted from your refund, also.

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Canceling Esurance Auto Insurance: The Bottom Line

If your Esurance car insurance rates are too expensive, contact an agent right away to see if you qualify for discounts. For more information about Esurance, read our Esurance auto insurance review for more details on discounts and other factors that determine auto insurance.

Compare Esurance auto insurance quotes with other companies in your area by entering your ZIP code in the FREE online quote tool below.

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