What is the process for canceling my auto insurance policy with State Farm?
The process for learning how to cancel a State Farm policy is the same as other major insurance companies. You must have a new policy lined up and call State Farm’s customer service to cancel. Based on its cancellation policy page, there should not be a State Farm cancellation fee.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
UPDATED: Oct 2, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- State Farm’s cancellation process is simple, and you can cancel at any time
- There is no evidence that State Farm charges a cancellation fee, and the company might owe you a refund
- Obtaining a replacement policy is crucial when canceling auto insurance, as it’s illegal to drive without one
Are you curious about the process to cancel auto insurance policy with State Farm? As with other companies, it involves a straightforward set of steps that you can take over the phone.
Before you cancel, it’s important to avoid gaps in car insurance coverage. Contact your replacement insurance company before you call State Farm to avoid a coverage lapse. Once you’ve got new coverage lined up, follow the steps below to ensure you know how to cancel your State Farm policy.
You can read our State Farm auto insurance review to learn more about the company and your options as a policyholder.
How to Cancel Your State Farm Auto Insurance Policy
Before you cancel auto insurance with State Farm, shop around for a new policy and try finding auto insurance quotes online. If you plan to continue driving, you are required by law to maintain coverage and avoid a lapse. This is arguably the most important step to canceling your auto insurance policy.
Make sure you choose an insurance company that makes up for what State Farm was missing. If you’re canceling for financial reasons, look into auto insurance discounts for affordable coverage. If you are unsatisfied with State Farm’s customer service, research affordable auto insurance companies with great customer service.
If you have another type of insurance with a different company, research policy bundling.
After securing a new policy, call State Farm and inform the company of the date your replacement coverage starts. Have your policy number and personal details ready, as the representative may ask for verification. They may also try to retain your business and offer you a reason to stay with State Farm.
Be sure to inquire about any penalties or cancellation fees, too. There is no evidence to suggest that State Farm charges these fees, but it’s a good idea to double-check. If you are in the middle of a policy period or have paid for several months of coverage, ask how to get your refund.
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Reasons for Canceling Auto Insurance with State Farm
Canceling your auto insurance should not be taken lightly, but it may be necessary in some cases. After careful thought and consideration, you may want to cancel for any of the following reasons:
- Financial constraints
- Selling your vehicle
- Relocation to an urban area with public transportation
- Falling ill and being unable to drive
- Losing your license
- The ability to obtain cheaper coverage with a partner or family member
In some cases, you won’t need to replace your plan. For example, if you have sold or otherwise disposed of your vehicle and do not intend to replace it, you won’t need a new insurance policy. Keep in mind that you may need proof of sale for this.
Canceling Auto Insurance With State Farm: The Takeaway
Canceling auto insurance with State Farm is as easy as terminating any other monthly service. Make sure you ask about any refund that you’re entitled to, and be sure to secure a replacement policy so you continue to drive safely and follow the law.
Frequently Asked Questions
Is canceling car insurance instant?
While canceling your auto insurance policy is relatively seamless, it may take a few days or weeks to finalize your cancellation.
Do insurance companies have to notify you of cancellation?
Auto insurance companies should send some form of confirmation after you cancel your policy. They may send a letter or email notifying you of the date your policy ends. To ensure the cancellation is final, ask your insurance company to send confirmation.
How long does canceled insurance stay on your record?
Canceling your insurance policy doesn’t impact your driving record. However, if your insurance company cancels your policy due to non-payment, misrepresentation, or filing too many claims, it can make you look like a high-risk customer to other companies.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.