How to Cancel State Farm Auto Insurance [2024]
You can easily cancel State Farm insurance anytime you like and with just a phone call. However, before you do so, you may want to consider asking your State Farm agent for a lower rate or deductible.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
UPDATED: Jan 14, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above 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: Jan 14, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one 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 insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- You may be able to get a lower rate or adjust your deductible before you cancel
- You can cancel State Farm over the phone, by mail, or in person
- If your auto insurance policy gets canceled, you should act quickly to resolve the situation
Car insurance is ever-present in every driver’s life. If someone hits your car, you want to know if their insurance will pay. If an accident is your fault, you will be glad you have been paying for insurance coverage.
Even though you always need to have car insurance, sometimes it makes sense to make a change to your policy or change insurance companies altogether. You may not be happy with your current insurer, or they may change the rate of their service so that it becomes unaffordable. Another insurance company might offer you a better deal on coverage for your vehicle.
There are other scenarios in which your auto insurance provider may decide to cancel your policy for several reasons. If this happens, you have some options, but acting quickly is key. A lapse in coverage can be dangerous for many reasons.
No matter the situation, knowing you have the best rate on your auto insurance will give you peace of mind. When you’re ready to compare the best car insurance rates around, enter your ZIP code above to get started.
What should you consider before you cancel your State Farm auto insurance?
Drivers change car insurance providers all the time and there are plenty of reasons to do so. Competition in the market means there is always someone advertising a lower rate or better policy. It can be hard not to feel like you are missing out on the best deal around.
However, before you cancel your policy, you may want to reach out to State Farm to see if there’s anything that can be done about the prices you’re paying, or address any other reason you may be looking to cancel your auto insurance policy. (For more information, read our “How to Cancel Auto Insurance“).
Ask About Discounts or Lower Payments
You may be thinking of canceling your policy with State Farm because you found a cheaper rate with another provider. However, State Farm may be able to help make your rates more manageable instead. Contact your agent before you cancel to find out if State Farm has any discounts available.
Change Your Payment Schedule
You might also be able to adjust the timing and amount of your auto insurance payments with State Farm.
You can make smaller payments more often, change the date you make payments, or combine all of your policies into one bill. You may even want to consider paying a higher deductible, as this will result in smaller monthly payments.
Change State Farm Agents
Perhaps you want to cancel your State Farm auto insurance because you just need a different insurance agent. According to State Farm’s website, you can change State Farm agents by email, over the phone, or through standard mail. Many people have high standards when it comes to what level of customer service they receive, so it’s good to take this seriously.
Get Your New Policy in Place Before You Cancel
If any of these solutions make a difference, you may not want to cancel after all. If they don’t, then it may be time to cancel your State Farm auto insurance.
If so, remember that you need to have your new insurance policy in place before your old policy is officially canceled. You can let your State Farm agent know when you want your policy to come to an end.
Make sure your new insurance is in place before that date. A gap in coverage will make it harder for you to get insurance in the future.
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How do you cancel State Farm auto insurance?
State Farm offers several avenues to make canceling your policy a breeze. If you have made the decision to cancel, you can get it done in a matter of minutes.
How to Contact State Farm
The easiest and fastest way is to contact them by telephone. Get in touch with your agent at 1-800-STATEFARM and let them know you need to cancel.
If you would rather not use the phone, you can mail in your cancelation request, or even send State Farm a fax. You can also visit your local State Farm branch in person, and get your cancelation started that way.
What You Need to Provide to State Farm
Whichever way you choose to contact State Farm to cancel your policy, you will need to provide your name, date of birth and policy number.
If you’re canceling because you sold your car, you will need to provide proof of the sale. This can get complicated, so it’s important to know what happens to insurance if you sell your car.
Are there cancellation fees?
State Farm does not charge any fees for canceling your auto insurance policy, so you will generally not have to worry about that extra expense. There are some states that charge fees when you change car insurance providers, so be advised.
If you have paid for your policy in advance, or even just through the end of the next month, you may be entitled to a refund. State Farm will generally credit you for any coverage period you are not going to use. Keep this in mind when you set your cancelation date.
Sometimes you may face a situation in which your auto insurance provider decides to cancel your car insurance policy. If that happens, there are some things you need to be aware of. Let’s have a look at those now.
What happens if State Farm cancels my insurance?
At some point you may be contacted by your insurance provider and told your policy is no longer active. There are basically two scenarios in which this can occur.
Non-renewal
The first such event is known as a non-renewal. If you are told by State Farm that your policy will not be renewed, this is likely out of your hands and not your fault. Sometimes companies decide not to offer a particular policy type any longer, or not to offer insurance at all in a certain location.
If your policy receives a non-renewal classification, this will generally not go into effect until the end of the policy’s term. State Farm will give you notice that your policy will not renew, and you will have time to get coverage with a new company.
Non-renewals do not reflect poorly on you or your driving record, and as such have no impact on your ability to get coverage in the future.
Cancelation
In contrast to a non-renewal, an outright cancelation of your State Farm auto insurance policy is significantly more serious. When State Farm does cancel insurance, it is likely due to some infraction on your part.
If a customer has their license suspended or revoked, receives a DUI conviction, is involved in too many accidents or is found to have included false information on the policy application, State Farm could decide to cancel the insurance policy.
Perhaps the most common reason for cancelation is the refusal or inability to continue making payments. Obviously State Farm is not going to keep providing insurance coverage if payments are not being made.
A policy cancelation will usually go into effect immediately. This means you will likely have little to no time to get a new insurance policy active. In addition, policy cancelation will negatively affect your attempts to obtain new coverage.
You may have to look to alternative or discount insurance providers. This means your policy could either be considerably more expensive or provide lower-quality coverage than you were getting with State Farm.
Whether you cancel your policy, or State Farm cancels yours, you will need to get coverage as soon as possible. Driving without insurance is not an option.
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Case Studies: How to Cancel State Farm Auto Insurance
Case Study 1: Lowering Rates with State Farm
A driver named John was considering canceling his State Farm auto insurance policy because he found a cheaper rate with another provider. However, before canceling, he decided to reach out to his State Farm agent to see if there was anything that could be done to make his rates more manageable.
John discovered that State Farm had discounts available, which helped lower his premiums and ultimately convinced him to stay with the company.
Case Study 2: Adjusting Payment Schedule
Sarah, another State Farm policyholder, was struggling with the timing and amount of her auto insurance payments. She contacted her State Farm agent and inquired about changing her payment schedule.
The agent informed her that she could make smaller payments more often or combine all her policies into one bill. Sarah decided to switch to a monthly payment plan, which allowed her to better manage her finances and continue her coverage with State Farm.
Case Study 3: Changing State Farm Agents
Mike had been dissatisfied with the level of customer service he received from his State Farm insurance agent. He decided to cancel his State Farm auto insurance and find a new provider with better customer support.
According to State Farm’s website, Mike learned that he could change State Farm agents by email, phone, or mail. He followed the necessary steps to switch agents and eventually found an insurance company that met his service expectations.
Case Study 4: Canceling State Farm Policy
Mary had explored all the available options but ultimately decided to cancel her State Farm auto insurance policy. She contacted State Farm through their customer service hotline (1-800-STATEFARM) and informed them of her decision to cancel.
Mary provided her name, date of birth, and policy number as required. She made sure to have her new insurance policy in place before the cancellation date to avoid a gap in coverage.
The Final Word on Canceling Auto Insurance with State Farm
If you want to drive, you have to have car insurance. If you are not happy with your auto insurance policy with State Farm, you can give them a call and cancel your policy today. Just remember, you will need to have a new policy active before your old one expires.
Getting and keeping car insurance can be a hassle, but we’re glad to have it when we need it. When you are looking for auto insurance, you may be wondering how to get an insurance quote on your car. If so, there are plenty of resources available.
Finding the best rates for auto insurance can sometimes be the hardest part of getting coverage. If you’re ready to compare car insurance rates to find the best deal for you and your vehicle, enter your ZIP code below and get started today.
Frequently Asked Questions
Can I cancel my State Farm auto insurance policy?
Yes, you can cancel your State Farm auto insurance policy at any time. State Farm provides policyholders with the option to cancel their coverage whenever they wish.
How can I cancel my State Farm auto insurance policy?
To cancel your State Farm auto insurance policy, you have a few options:
- Phone: You can call State Farm’s customer service line and speak with a representative who will guide you through the cancellation process. Make sure to have your policy details and identification ready when making the call.
- Online: If you prefer a self-service option, you can log in to your State Farm online account. From there, navigate to the policy management section and look for the cancellation option. Follow the prompts to initiate the cancellation.
- In-person: Visit your local State Farm agent’s office to cancel your auto insurance policy. They will assist you with the necessary paperwork and guide you through the process.
Is there a cancellation fee for ending my State Farm auto insurance policy?
State Farm typically does not charge a cancellation fee for terminating an auto insurance policy. However, it’s advisable to review your specific policy terms or contact State Farm directly to confirm whether any fees or penalties may apply in your situation.
Will I receive a refund if I cancel my State Farm auto insurance policy before the term ends?
Yes, State Farm usually provides a pro-rated refund for any unused portion of your premium if you cancel your auto insurance policy before the term ends. The refund amount will depend on factors such as the time remaining on your policy, any applicable fees, and the terms outlined in your policy agreement.
How long does it take to process the cancellation of my State Farm auto insurance policy?
The processing time for cancelling your State Farm auto insurance policy may vary. In general, it typically takes a few business days to complete the cancellation process. However, it’s recommended to confirm the exact timeframe with State Farm customer service or your local agent.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
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.