How To Cancel State Farm Car Insurance [2023]
You can cancel your policy with State Farm over the phone, by mail, or in person, but not online. Make sure you have your policy number when you call, and don't cancel until you have a new policy in place.
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Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
UPDATED: Jul 9, 2023
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UPDATED: Jul 9, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies 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
- Canceling your insurance policy with State Farm is relatively easy and convenient
- Cancellations can be made by phone, in person, or by mail
- Make sure to inquire about your refund and plan your cancellation so as not to end up with a lapse in coverage
We understand that it’s sometimes necessary to cancel an insurance policy. What is required to cancel your State Farm auto insurance policy? Is it relatively simple and can you do it over the phone? We’ve researched this question for you. Read on to find the information you need.
Canceling State Farm Insurance
If you need to cancel your State Farm policy, that can be done from home, the office, or even in person. Here are the steps you would need to take for each option.
Canceling State Farm Insurance Over the Phone
To cancel State Farm car insurance by phone, here are the steps to follow:
- Have on hand the name of the primary policyholder, date of birth, and policy number.
- Call 1-800-STATEFARM (for canceling auto insurance only).
- Indicate whether you want the cancellation to be effective immediately or on a specific date.
Remember to inquire about details such as legal requirements in your state, refund policy, and cancellation fees.
Canceling State Farm Insurance by Mail
To cancel State Farm insurance by mail, you’ll need to follow these steps:
Write a letter to State Farm formatted with the name of the primary policy holder, address, and phone number:
- Include in the body of the letter your State Farm policy number and the date and time you want your policy to end.
- Indicate your new insurer’s name, policy number and policy start date, if applicable, to ensure there’s no lapse in coverage.
If you’re canceling because you’ve sold the vehicle, you may be required to provide a copy of the bill of sale or proof that you’ve forfeited the license plates.
Canceling State Farm Insurance In Person
If you’d prefer to cancel your State Farm policy in person, visit your agent and provide the following information as needed:
- Your State Farm policy number and the date and time you want your policy to end
- Your new insurer’s name, policy number, and policy start date, if applicable, to ensure there’s no lapse in coverage
- A copy of the bill of sale or proof that you’ve forfeited the license plates
Keep in mind that some states require drivers or insurance providers to inform the DMV of any cancellation or changes to insurance coverage. Talk to your agent about the requirements for your state to ensure that your cancellation is successful and you’ll not inadvertently experience a lapse in coverage or non-compliance.
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Plan Your State Farm Insurance Cancellation Wisely
The key to cancellation is planning, especially if you’re changing providers. What can you do to make sure that if you have to cancel your insurance, you do it wisely?
Do Your Homework
Sometimes there are other options that you may want to consider before canceling. For example, let’s say you’re canceling because you’re looking for more affordable insurance. Before deciding, look into what discounts are available to you. Ask your agent what things you could do to lower your current premium and keep your policy.
Shop Wisely
When shopping for another insurance product, really weigh the rates against the coverage and services. Cheaper insurance isn’t always better insurance. Finding affordable insurance means finding both the rates and coverage that are best for you and your family in the long run.
Do It at the Right Time
If you decide to cancel, know how much time is left on your policy. Some companies charge cancellation fees, while others may offer a refund if you meet certain requirements. In general, State Farm does not charge cancellation fees.
Get Your Refund
State Farm will issue a refund on any pre-paid premium that is unused. So if you’ve paid in full but are canceling your policy before the term is up, you are likely owed a refund. Ask your agent how to go about ensuring you collect it.
Avoid a Lapse in Coverage
Plan your cancellation date to coincide with the effective date of your new policy, if applicable. This is important since a lapse or gap in coverage might leave you financially vulnerable.
Canceling State Farm insurance is simple and convenient, and planning will ensure that you can make an informed decision and do what’s right for you and your family.
Case Studies: Canceling State Farm Car Insurance – Real-life Scenarios
Case Study 1: John’s Phone Cancellation Experience
John needed to cancel his State Farm car insurance policy due to a change in his circumstances. He decided to cancel over the phone. John called State Farm, provided his policy number, and inquired about the legal requirements, refund policy, and cancellation fees. The representative guided him through the process and canceled his policy without any issues.
Case Study 2: Sarah’s Written Cancellation Request
Sarah sold her vehicle and wanted to cancel her State Farm insurance. She chose to cancel by mail. Sarah wrote a letter to State Farm, including her name, address, and phone number. As she had sold the vehicle, she included a copy of the bill of sale as proof. Sarah followed the instructions provided by State Farm and successfully canceled her insurance policy.
Case Study 3: Mark’s In-Person Cancellation
Mark preferred canceling his State Farm policy in person. He visited his State Farm agent’s office and provided all the necessary information. Mark discussed any requirements specific to his state with his agent to ensure compliance. His agent processed the cancellation and addressed all his queries regarding refunds and future coverage.
The Bottom Line on Canceling State Farm Insurance
You can do your State Farm cancellation in person, over the phone, or by mail. Be sure you’ve done your research so you can make an informed decision.
If you decide to cancel, have all the necessary information at hand, and carefully plan the date so as not to experience a lapse in coverage. Make sure to inquire about any legal requisites for your state and whether you qualify for a refund. Talk to your insurance company about any questions you might have.
Frequently Asked Questions
How can I cancel my State Farm car insurance policy?
You can cancel by phone, mail, or in person.
What information do I need to cancel State Farm car insurance?
Have your policy number ready when canceling.
Can I cancel State Farm car insurance online?
No, online cancellation is not available.
Will I receive a refund if I cancel my State Farm car insurance?
State Farm may issue a refund for any unused prepaid premium.
What should I consider before canceling my State Farm insurance?
Research other options, compare rates and coverage, plan your cancellation date, and avoid coverage gaps.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
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.