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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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: May 4, 2022

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Here's what you need to know...

  • 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.

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

StatesAverage Annual Car Insurance PremiumAverage 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 DiscountsDriver/Customer DiscountsPersonal Discounts
Active Disabling DeviceClaim FreeEmergency Deployment
Adaptive Cruise ControlContinuous CoverageFamily Legacy
Adaptive HeadlightsDefensive DriverFamily Plan
Anti-lock BrakesDriver's EducationFederal Employee
Audible AlarmDriving Device/AppFurther Education
Automatic BrakingEarly SigningGood Student
Blind Spot WarningFull PaymentHomeowner
Daytime Running LightsGood CreditLife Insurance
Economy VehicleLoyaltyMarried
Electronic Stability ControlMultiple PoliciesMembership/Group
Farm/Ranch VehicleMultiple VehiclesMilitary
Forward Collision WarningNew Customer/New PlanNew Address
Garaging/StoringOccasional OperatorNew Graduate
Green/Hybrid VehicleOnline ShopperNon-smoker/Non-drinker
Lane Departure WarningOn-Time PaymentsOccupation
Newer VehiclePaperless/Auto BillingRecent Retirees
Passive RestraintPaperless DocumentsStable Residence
Utility VehicleRoadside AssistanceStudent Away
Vehicle RecoverySafe DriverStudent or Alumni
VIN EtchingSeat Belt UseVolunteer

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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.

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