If you’re a State Farm customer and want to cancel your policy and switch to another insurance company, you can do so at any time.1 Maybe you found a cheaper policy elsewhere or another company offers discounts that State Farm doesn’t.
You can cancel your State Farm insurance policy over the phone, by mail, or in person.
Whatever your reason for changing insurance companies, you’ll need to have a new auto policy in place before canceling your State Farm coverage.
State Farm provides instructions for canceling your policy on its website. You can cancel your State Farm car insurance policy at any time by calling your local agent. You’ll typically need to give them your policy number and date of birth when you call.
You can also cancel your policy by mail or in person at a local branch. State Farm doesn’t specify on its website if it charges a cancellation fee.
You won’t be able to cancel your State Farm auto policy online.
Follow the steps below to cancel your State Farm car insurance policy. If you aren’t sure how to cancel or if you have questions about your policy, contact your local insurance agent for help.
The best time to cancel your State Farm policy and switch insurance companies is when your policy is up for renewal. While State Farm doesn’t specify on its site if it charges a cancellation fee, switching to a new policy when your current one is set to expire is generally a good way to avoid racking up any additional charges beyond your new policy’s premium.
Knowing your policy renewal date can also help ensure you don’t have a lapse in coverage before your new policy goes into effect.
To check your State Farm renewal date, you can contact State Farm directly, contact your local agent, check your policy documents, or view your account information online or in the State Farm app.
If you’re thinking about canceling your State Farm auto insurance, you should first compare quotes from other insurers. Shopping around for coverage can help you find a new plan that fits your insurance needs and budget. The easiest way to shop policy options and prices from many different companies is to use an online quote-comparison shopping service. Just be careful of lead-generation sites that feel spammy.
If you’re only thinking about switching away from State Farm due to cost, State Farm may be able to work with you to lower your premium. It could be a good idea to talk to your agent before canceling to see if there’s anything they can do to help you save, such as raising your deductible, switching to more affordable monthly payments, or adding discounts for bundling other types of insurance.
Since every state except New Hampshire requires drivers to carry a minimum amount of liability insurance, you’ll likely need to enroll in new coverage before canceling your State Farm policy. If you let your coverage lapse you could incur fines and penalties, and it could be harder to find coverage in the future.
Once you’ve found a new policy that works for you, go ahead and sign up. Your new insurance company will probably require some documentation to determine your premium and enroll you in coverage, including your:
Desired effective date
Date of birth
Vehicle identification number (VIN)
Payment info, such as your credit card number
Many insurance companies let you pick your coverage start date. So, if you decide to wait until your renewal date, you can choose to start your new policy the same day your State Farm policy ends.
State Farm doesn’t allow you to cancel your insurance policy online. Instead, you’ll have to cancel by phone, through the mail, or over the phone. Whichever cancellation method you choose, you’ll likely need to provide State Farm with your policy number, name, and date of birth.
If you sold your vehicle and no longer need insurance, State Farm may also require proof of the sale or plate cancellation.2
Once you’ve canceled your State Farm car insurance, you’ll want to confirm the cancellation went through successfully. If you ended your policy on its renewal date, you likely won’t be due back any money from State Farm. But if you decide to switch insurance companies mid-term, State Farm may owe you a refund, especially if you prepaid for coverage.
If you’re unsure what type of refund you can expect or how the payment may be sent, check your plan documents or get in touch with State Farm directly. If you had your State Farm payment on auto pay, you’ll also want to confirm with your bank or credit card company that the charges stop when your policy ends.
Saving money is often the top reason people choose to switch insurers. Insurance rates can vary widely and depend on lots of different factors, including your driving history, age, type of vehicle, education, and credit history.3
If you’re thinking about canceling your State Farm policy, it’s a good idea to compare rates across many different insurance companies in order to find a plan that works with your budget.
Here’s a look at the average monthly cost of State Farm coverage versus other major car insurance companies, based on Insurify data:
Canceling your State Farm auto insurance doesn’t have to be hard, but you should be aware of a few things before you end your policy. Below, you’ll find answers to some commonly asked questions about canceling a State Farm policy.
The State Farm website doesn’t make clear if the company will charge you a cancellation fee. Be sure to check your policy documents or contact State Farm directly to see if there are any costs associated with ending your coverage.
Yes. Like all car insurance, you can cancel your State Farm policy at any time, for any reason. But the best time to cancel is often when your policy is up for renewal.
No. You can’t cancel your State Farm insurance policy online. To cancel, you’ll have to call State Farm, notify the company by mail, or see an agent in person.
You’ll most likely receive an email confirming the cancellation of your State Farm policy, but check with your agent to be sure. If you had your premiums set up on automatic payments, you’ll also want to check your bank account or credit card to make sure that State Farm is no longer charging you for coverage.
State Farm doesn’t make it clear on its website whether it has a grace period for non-payment, but many companies offer some sort of payment grace period. If you aren’t sure, contact your State Farm agent for more information.
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