How To Cancel State Farm Car Insurance
Drivers who want to work with a new car insurance company and cancel State Farm insurance, can do so from the comfort of their homes. While you can't cancel your State Farm policy online, you can call or send in a letter to do so.
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Written by
Laura Berry
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Reviewed by
Joel Ohman
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UPDATED: May 4, 2022
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- Drivers can cancel their State Farm car insurance in a variety of ways
- Drivers use a broker or shop online to find cheaper insurance
- Drivers can utilize discounts to obtain lower monthly rates
Are you becoming frustrated when conducting internet searches like “how do I cancel my State Farm insurance” and finding no useful results? You’ll be happy to hear that it’s as easy as pie to obtain affordable car insurance and cancel State Farm insurance. Depending on where you fall in your car insurance policy’s timeline, you may receive some money for your efforts too.
Of course, if you want to know how to cancel State Farm insurance, you must remember that you should find car insurance quotes first. Never cancel an insurance policy before you have activated your new policy. Driving without an active insurance policy is illegal and can carry severe consequences.
Keep reading to learn how you can compare excellent car insurance quotes and cancel State Farm insurance in the comfort of your own home.
Enter your ZIP code to get free car insurance quotes if you want to cancel State Farm insurance.
Table of Contents
How can drivers cancel their State Farm insurance policy?
If you are eager to work with a company that offers better customer service or just want lower car insurance rates, cancel State Farm insurance by:
- Calling your insurance representative
- Sending in a letter
- Visiting your insurance representative in person
If you were to call your insurance agent to cancel your policy, you would need to provide your policy number. If you’re switching companies, you may also be asked to share your new insurance company’s name, your new policy number, and the effective date of your new policy.
Now, if you were hoping to learn how to cancel State Farm insurance online, you may be disappointed. Currently, State Farm doesn’t permit drivers to cancel their policy online; however, you can always send in a letter requesting that your policy be canceled if you don’t want to be cajoled by a salesperson.
When sending in a cancellation letter, be sure to provide your new insurance policy number just as you would if you were to call your old insurance representative.
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How can drivers shop for a new car insurance policy?
Before you cancel your current car insurance policy, you must know how to find a new one that is better suited to your needs. You can find the best policy for you by:
- Working with an insurance broker
- Shopping online
Insurance professionals, brokers are not limited to doing business with just one insurance company. When you work with a broker, our needs are put first. A broker listens to you and then searches through insurance quotes for you to find potential policies that match your coverage and budget needs. This service can save you a lot of time and may even be free as some states don’t allow brokers to charge a fee.
Typically, once you pick the policy you want, brokers are paid a commission from the insurance company you decide to work with.
For drivers who are constantly on the go, visiting a broker may not be the ideal way of shopping for car insurance. For those individuals, shopping online for insurance would make the most sense for their schedule.
When online shopping, you can feast your eyes upon a multitude of free quotes within minutes. If you want to buy auto insurance and cancel State Farm insurance, you can do so without ever leaving your home.
You can also have access to free online resources within seconds when you shop online that can help you make the best choice for your insurance need. For instance, feel free to refer to this chart to see what you may pay annually for car insurance in your state:
Average Car Insurance Rates by State
| States | Average Annual Car Insurance Premium | Average 6-Month Car Insurance Premium |
|---|---|---|
| Alabama | $1,287 | $686 |
| Alaska | $1,183 | $595 |
| Arizona | $1,449 | $610 |
| Arkansas | $1,566 | $747 |
| California | $1,846 | $874 |
| Colorado | $1,761 | $831 |
| Connecticut | $1,640 | $754 |
| Delaware | $1,828 | $898 |
| District of Columbia | $1,876 | $748 |
| Florida | $2,219 | $988 |
| Georgia | $1,777 | $761 |
| Hawaii | $1,275 | $541 |
| Idaho | $1,040 | $512 |
| Illinois | $1,296 | $600 |
| Indiana | $1,181 | $571 |
| Iowa | $1,047 | $494 |
| Kansas | $1,398 | $737 |
| Kentucky | $1,594 | $956 |
| Louisiana | $2,298 | $1,123 |
| Maine | $845 | $448 |
| Maryland | $1,546 | $638 |
| Massachusetts | $1,245 | $611 |
| Michigan | $2,611 | $1,282 |
| Minnesota | $1,362 | $636 |
| Mississippi | $1,409 | $767 |
| Missouri | $1,272 | $695 |
| Montana | $1,600 | $696 |
| Nebraska | $1,291 | $641 |
| Nevada | $1,525 | $807 |
| New Hampshire | $1,087 | $550 |
| New Jersey | $1,520 | $815 |
| New Mexico | $1,382 | $670 |
| New York | $1,789 | $768 |
| North Carolina | $1,095 | $471 |
| North Dakota | $1,164 | $664 |
| Ohio | $1,175 | $505 |
| Oklahoma | $1,966 | $766 |
| Oregon | $1,286 | $682 |
| Pennsylvania | $1,187 | $678 |
| Rhode Island | $1,834 | $1,007 |
| South Carolina | $1,433 | $687 |
| South Dakota | $1,262 | $673 |
| Tennessee | $1,297 | $706 |
| Texas | $1,779 | $896 |
| Utah | $1,206 | $594 |
| Virginia | $1,063 | $455 |
| Washington | $1,401 | $588 |
| West Virginia | $1,472 | $711 |
| Wisconsin | $951 | $531 |
| Wyoming | $1,602 | $688 |
| National Average | $1,457 | $704 |
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Shopping online also allows you to slow down and review every quote at a leisurely pace. Without an overeager salesperson staring you down, you can really dig into each quote to see which one will provide you with the coverage you need. When you decide to look up “how to cancel my State Farm insurance,” hop online. You’ll find that your insurance possibilities are limitless.
When does State Farm cancel insurance?
If State Farm has beaten you to the punch and canceled your insurance policy before you had the chance to do so yourself, it may have been for any number of reasons. You may have missed a payment, become too high of a risk to insure, or committed some kind of insurance fraud.
Of course, no organization is run perfectly; if you think your policy was canceled in error, you should reach out to your insurance representative right away so the matter can be resolved quickly.
Will drivers receive a refund when canceling a State Farm policy?
Finding a check in your mailbox is sure to put a smile on your face, and when you cancel your State Farm insurance, there’s a chance that that could happen to you. For example, if you signed up with a different insurance company but had already paid your State Farm policy in full, you could get a refund — especially if you canceled in the middle of your policy period.
Bear in mind that if you only purchased for two months of coverage from State Farm and were a State Farm client for two months prior to switching companies, your chances of getting any money back are low. If you’re trying to pinch pennies like many drivers are these days, you should review your policy. Check to make sure you are receiving every discount you are eligible for, and if you aren’t sure which ones you may qualify for, you can refer to the chart here:
Types of Car Insurance Discounts Available
| Vehicle Discounts | Driver/Customer Discounts | Personal Discounts |
|---|---|---|
| Active Disabling Device | Claim Free | Emergency Deployment |
| Adaptive Cruise Control | Continuous Coverage | Family Legacy |
| Adaptive Headlights | Defensive Driver | Family Plan |
| Anti-lock Brakes | Driver's Education | Federal Employee |
| Audible Alarm | Driving Device/App | Further Education |
| Automatic Braking | Early Signing | Good Student |
| Blind Spot Warning | Full Payment | Homeowner |
| Daytime Running Lights | Good Credit | Life Insurance |
| Economy Vehicle | Loyalty | Married |
| Electronic Stability Control | Multiple Policies | Membership/Group |
| Farm/Ranch Vehicle | Multiple Vehicles | Military |
| Forward Collision Warning | New Customer/New Plan | New Address |
| Garaging/Storing | Occasional Operator | New Graduate |
| Green/Hybrid Vehicle | Online Shopper | Non-smoker/Non-drinker |
| Lane Departure Warning | On-Time Payments | Occupation |
| Newer Vehicle | Paperless/Auto Billing | Recent Retirees |
| Passive Restraint | Paperless Documents | Stable Residence |
| Utility Vehicle | Roadside Assistance | Student Away |
| Vehicle Recovery | Safe Driver | Student or Alumni |
| VIN Etching | Seat Belt Use | Volunteer |
Discounts like the multi-car insurance discount can drastically reduce your insurance rates. Canceling your State Farm insurance policy and filling up your bank account can be fairly simple once you have the know-how and the tools to accomplish your task.
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Canceling Your State Farm Insurance: The Bottom Line
You own your car insurance policy so you can cancel it whenever you would like. For example, if you don’t like your current car insurance company, cancel State Farm insurance, and reach out to a broker or shop online to find a new policy.
It is vital that you make sure that the new policy is active before you cancel your previous policy. You don’t want to get caught on the road driving without insurance accidentally.
Before you cancel State Farm insurance, enter your ZIP code to get free quotes from insurance companies near you today.