How to Cancel State Farm Auto Insurance in 5 Steps

How to cancel State Farm auto insurance? You can cancel your State auto insurance policy in five steps. All you need to do is have your renewal date, a new auto insurance policy to switch, and State Farm's customer service phone number. Although you won't be able to cancel your State Farm car insurance account online, you can compare quotes from multiple companies from your previous State Farm auto insurance quotes. As you get closer to State Farm car insurance cancellation, shop around for a new policy to find the best rates.

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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: Jun 22, 2021

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What You Should Know

  • State Farm is one of the companies that do not charge a fee when you cancel an auto insurance policy.
  • It can take five minutes or less to cancel.
  • State Farm is in the top three cheapest auto insurance companies in the United States.
  • Customers that paid in full can receive a prorated refund.

How to cancel State Farm insurance? You can cancel your State auto insurance policy in five steps. All you need to do is have your renewal date, a new auto insurance policy to switch, and State Farm’s customer service phone number. So, can you cancel State Farm insurance online?

Unfortunately, you won’t be able to cancel your State Farm car insurance account online, but you can compare quotes from multiple companies from your previous State Farm auto insurance quotes. As you get closer to State Farm car insurance cancellation, shop around for a new policy to find the best rates.

Before you cancel, check out our State Farm Auto Insurance Review to learn more about discounts and other auto insurance coverage options.

How do you cancel State Farm auto insurance?

When you’re ready to cancel your State Farm policy, contact the State Farm auto insurance phone number at 1-800-782-8332. You can even cancel by mail. Mail your insurance cancellation letter to:

Agency/Sales Resources
P.O. Box 853918
Richardson, TX 75085-3918

If you cancel your State Farm auto insurance policy  by phone, the company will honor your request immediately. Therefore, it’s best to cancel on a specific date.

Continue reading the steps below to learn how you can secure a refund after canceling your State Farm auto insurance.

Step 1: When’s your renewal date?

Before you cancel your State Farm account, it’s best if you wait for the renewal date. You can also use your grace period to look for other policies. Once you have your renewal offer and the date your policy expires, you can start shopping for other auto insurance to see if you can get a better quote.

Step 2: Have you compared auto insurance quotes?

The next step is finding auto insurance quotes online. The internet has made it easier for customers to shop for car insurance on the web. Other companies can compete with affordable State Farm auto insurance.

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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The State Farm auto insurance company is the second-cheapest company in our research. USAA is only available to veterans and their immediate families.

If you, as the policyholder,  think your State Farm auto insurance quotes have gotten too expensive, ask your insurance agent or State Farm customer service if you’re eligible for more discounts. You may not have to cancel if you can get affordable State Farm auto insurance. 

Step 3: Do you have a new auto insurance policy in place?

Now that you know what’s out there, enroll in the best auto policy. The most effective car insurance policy is one that meets your coverage and budget needs. So, be sure to take note of your policy number in case you change your mind.

Once you have the policy you want, alert your new auto insurance provider or insurer about your State Farm policy, which they’ll ask about before buying a new policy.

Step 4: How do you cancel your State Farm policy?

Contact State Farm customer service phone number and tell them you want to cancel. Match your renewal date to the date you want to cancel so the switch to your new auto insurance company goes smoothly.

Step 5: Have you followed up on your State Farm auto insurance refund?

Customers who pay in full at the start of the car insurance policy can receive a prorated refund. That means you will receive a refund for months where you didn’t use a car insurance company’s service. If you didn’t pay in full, you might not receive a refund.

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Frequently Asked Questions: How to Cancel State Farm Auto Insurance

Let’s answer a few questions that didn’t appear in the article.

If you’ve learned everything you need to know about how to cancel State Farm auto insurance, enter your ZIP code in the FREE online quote tool below.

#1 – Why shouldn’t you cancel your State Farm auto insurance policy right away?

You want to have another policy ready to go before you cancel, so your rates at the next car insurance provider do not increase.

Also, this will allow you to report any improvements to your driving record, any unused premium, or credit score. According to Experian, your auto insurance rates will be cheaper if your credit score is good or excellent.

#2 – Does State Farm charge you a cancellation fee?

No. State Farm reports that they do not charge a cancellation fee.

#3 – What happens when you cancel without having another auto insurance policy?

Canceling your car insurance policy without having another policy will create a coverage gap. When you buy another policy, your auto insurance rates will be more expensive than average.

#4 – Can I cancel my State Farm auto insurance at any time?

Yes. State Farm, like many other companies, allows you to cancel any time you want.

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