Esurance customers who want to cancel their insurance policy must do so over the phone. The company doesn’t offer the option to cancel coverage online or using the mobile app. Esurance indicates agents will help you try to find alternatives to canceling coverage first, so you may face a pitch to remain a customer when you call to cancel.1
While the company doesn’t clearly state its cancellation policy on its website, you can call the Esurance customer service phone number at 1 (800) 378-7262 and ask about the insurer’s cancellation policies and fees.
If you received your policy by email, check your account for the policy information. Searching the documents for “cancel” may help you locate the cancellation policy. Typically, you’ll receive a refund of the unused insurance premium if you cancel before renewal.
Be sure to avoid an insurance coverage lapse by setting up a new car insurance policy before canceling. It can be more challenging and pricey to buy auto insurance if you don’t have continuous coverage.
Your auto insurance renewal date is on your policy’s declaration page, which is a cover page with an overview of your coverage limits, name, address, and coverage dates.
Many auto insurance companies like Esurance state that you must cancel your policy within 10 days of the renewal date of your current term to avoid receiving a bill for the next policy.2
If you’re canceling auto coverage from Esurance because of high costs, it’s helpful to see if you can find an affordable new policy before you cancel. You should get quotes from several different insurers to see which will provide the best price on auto coverage.
Many factors affect how much Esurance and other competitors charge for car insurance. Some of the most important factors include driving history, the vehicle you drive, previous claims, and your age, gender, and marital status.3
You can take steps to earn lower costs by taking a defensive driving course, bundling coverage, increasing your deductible, and more. But you can’t change how your age and location affect costs. Shopping around for coverage is important because insurers have different methods of calculating risk and pricing policies.
Car insurance costs from Esurance — and other insurance companies — vary by state, with policies priced significantly higher in some locations than in others. Drivers in states with high population density, like New York, typically pay more for coverage than people in less populated states, like Missouri. Insurers will also consider your driving record, age, motor vehicle type, and more.
Esurance policyholders have access to the company’s highly rated mobile app and a solid selection of auto coverage options. You can save on coverage by downloading the company’s DriveSense app and practicing safe driving habits. Esurance also sells other insurance products, including motorcycle, renters, and homeowners insurance.
The table below shows how average car insurance quotes from Esurance compare to other companies for both liability-only and full-coverage policies.
Before you can cancel your Esurance auto insurance policy, you need to secure a new policy to avoid a gap in insurance coverage. State laws require drivers to carry proof of insurance to drive legally. Failure to maintain car insurance can result in penalties, including fines, license and registration suspension, and higher rates for car insurance coverage.
Once you choose an insurer, you’ll need to contact an agent or initiate the coverage-buying process online. Your new insurer will want to check your credit history and review some documentation to determine how much to charge you for car insurance. Make sure you have the following information available before starting this process:
Desired effective date for new policy
Date of birth
Vehicle identification number (VIN)
Your payment information
Don’t sweat canceling your current policy with Esurance. Just give Esurance customer service a call at 1 (800) 378-7262. Have your Esurance policy number handy, and let them know you’re canceling. Expect them to try to talk you out of it by offering a discount or other benefits. Remember that you have no obligation to stay with Esurance.
Ask the representative about the refund amount you’ll receive, and request an email confirming everything you discussed.
If you cancel your Esurance car insurance policy before the renewal, you’ll likely get prorated compensation for your unused premium. Expect to see a check in the mail or a credit to your bank account or credit card within two weeks. If not, contact Esurance and follow up about your refund.
Check out the answers to these frequently asked questions if you’re thinking about canceling your auto coverage with Esurance.
If you’re late making a payment with Esurance, you may face a $10 or $15 late fee, depending on your state. And, in most cases, after 25 days, Esurance will cancel your policy for non-payment. The company will likely send you a cancellation notice.
It’s not always possible to cancel car insurance online. For example, Esurance only allows you to cancel your coverage by calling the company at 1 (800) 378-7262. It’s a good idea to try to start the cancellation process before your renewal date to avoid an insurance lapse by solidifying the details of your new car insurance policy and canceling your old policy.
If you cancel your Esurance policy before the policy term expires, Esurance may charge you a policy cancellation fee. Verify any additional charges when you call to cancel your policy. Request that the customer service or insurance agent send you confirmation of the details by email.
Fortunately, finding new car insurance after deciding to cancel with Esurance is a breeze. Just enter your ZIP code, driver’s license, and other basic information online at Insurify to see quotes from different insurance companies and find a better deal. You can then choose your favorite option from dozens of the best car insurance companies and set up a new auto insurance policy in a few minutes.
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