How to cancel your Allstate car insurance policy | finder.com
Allstate car insurance

How to cancel Allstate car insurance

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It’s easy to cancel your Allstate auto insurance by phone, mail or in person.

Whether you found a better rate elsewhere or you don’t need auto insurance coverage, it’s easy to cancel your policy with Allstate. When cancelling your policy, you have options. Here’s what you need to know about cancelling your policy.

Allstate’s cancellation policy

Allstate suggests the best way to cancel your policy is by calling an agent. Your agent may ask for a written request to cancel. According to Allstate’s agency standards, you can cancel your policy at any time, and you don’t need proof of new coverage. However, if you are continuing to drive your car, state laws will require you not to have a lapse in coverage. So make sure you have new coverage in place before cancelling.

Allstate generally doesn’t charge cancellation fees, but this depends on the laws in your state. Allstate offers prorated refunds, meaning you’ll receive a refund for any unused days. However, if your state laws call for cancellation fees, they’re deducted from your refund.

How do I avoid paying Allstate’s cancellation fee?

Generally, Allstate doesn’t charge a cancellation fee. But if this is not the case in your state, you can avoid an early cancellation fee by waiting until your policy comes up for renewal to cancel.

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How can I cancel my policy?

Allstate’s website is straightforward but lacks the flexibility to cancel your policy online. You can add, change and drop parts of your coverage through Allstate’s online platform or app, but you cannot cancel. If you want to cancel outright, you’ll need to call an agent, send a written notice or, in some cases, both.

Info you’ll need to cancel your policy

  • Your name, address and phone number
  • Your Social Security number and date of birth
  • Your Allstate policy number
  • The date and time you want your policy to end
  • Your dated signature
  • Your new insurer’s name, policy number and start date for your new policy, OR
  • Proof that you will no longer be driving (bill of sale, plate forfeiture, etc.)

Ready to cancel? Compare car insurance quotes

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Cancelling by phone

First, locate your Allstate agent in the directory. If you cannot locate your agent, call the help line directly at 800-255-7828.

If you are canceling outright, you might be requested to provide proof of plate forfeiture or bill of sale. If you plan to get behind the wheel, the agent may ask for your new insurance details, including provider, policy number and effective date.

Cancellations via phone are usually effective immediately, but ask for confirmation to prevent any fees or complications in the future.

Many states require you to inform the DMV when you cancel or change your auto insurance, so check your state’s guidelines or ask your agent if this is necessary.

Since auto insurance is a legal contract, you might need to supply a written notice, depending on the laws and regulations in your state.

Cancelling by mail

Your agent will inform you if you need a signed document to cancel your auto insurance policy. If you choose to request cancellation through the mail, mail your letter at least two weeks before you intended to cancel, leaving time for shipping and processing. Once you’ve gathered your information, send your letter to your agent or the following address:

Allstate Insurance Company
PO Box 660598
Dallas, TX
75266-0598

Cancelling in person

Allstate has branches and agents all across the country, making it easy to cancel your coverage in person. Use the agent directory to find an agent, or call the help line at 800-255-7828 if you’re having trouble. Bring all of your information and documentation to prevent any delays.

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What’s the best way to cancel Allstate insurance?

The quickest way to cancel your policy is to call your agent. However, you might get a sales pitch to stay with the provider. If this is something you’d like to avoid, then you might want to mail in a written request. However, you still might be contacted by Allstate to confirm cancellation.

Some people feel more comfortable with a face-to-face meeting to confirm everything is in order. If this is you, head down to your agent’s office to cancel your policy.

Can I cancel at any time?

Yes. It is your right to can cancel your policy at any time. But don’t just stop paying your insurance premium. You must notify Allstate that you want to cancel your policy.

What should I consider before canceling my policy with Allstate?

  • Does your state require proof of new insurance? It is illegal to drive without car insurance, so make sure there is no lapse in your coverage by having new car insurance in place before canceling your current policy.
  • When is the best time to cancel or switch providers? Life changes like getting married, buying a house or having a baby might be good times to shop around for a new policy. Or toward the end of the policy, because you might get new member discounts at another provider.
  • How much time do I need to switch policies? If you’re cancelling by phone or in person, cancellation is usually effective immediately. But if you are mailing in a written request, give yourself enough time for Allstate to receive and process your letter.

Which car insurance provider is best for me?

Looking to save on car insurance? Answer these three questions to find a provider that best fits your needs and budget.

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Should I cancel or adjust my policy?

If you’ve had a bad experience and are no longer happy with your provider, cancelling outright could be the option for you. Or if you are looking to save money, you might be offered new customer discounts at another provider.

However, there are benefits to staying with your provider and adjusting your policy. Allstate offers discounts and insurance policies for different stages of life. If you call to cancel, ask the agent about what policies, discounts and options are available for you.

Alternatives to Allstate

If you’re not happy with Allstate, there are many alternatives.

Name Product Roadside assistance New car protection Available states
Liberty Mutual
Included free
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Root
Included free
No
Arizona, Arkansas, Delaware, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Montana, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Texas, Utah
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except Alaska, Delaware, Hawaii, New Hampshire, Montana, Vermont, Wyoming
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
USAA
Included free
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

Compare up to 4 providers

Bottom line

Cancelling car insurance doesn’t have to be hard. Choose the method that works best for you and then compare all of your car insurance options to find the right provider for you.

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