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Unlike with many other types of insurance, you have the right to cancel your car insurance policy at any time. If you’re covered by Erie, you have three easy ways to end your policy. And you’ll likely receive a refund on any unused premiums.
Yes. You can cancel your policy with Erie whenever you like without a penalty or fees. And you’ll get a prorated refund for any unused part of your premium.
With Erie, your local agent is your point of contact for anything to do with your policy — including when you’re ready to end it. The quickest way to cancel your coverage is to get in touch with your agent, who will then ask you to put your request into writing. After your cancellation is confirmed, Erie works to refund any unused premiums remaining on your policy.
While you can cancel your policy whenever you want, keep in mind that auto insurance is legally required in most states. Unless you’re no longer driving, you’ll want to have a new policy in place before your old one expires to avoid a coverage lapse penalty and possibly higher premiums in the future.
Erie doesn’t charge a cancellation fee, which is great news for current customers. You’ll also get a refund on your unused premiums, eliminating any worry about canceling early.
Erie encourages you to contact your local agent by phone, by email or in person. Your agent’s details are listed on your policy documents, or use Erie’s online search tool to find an agent near you.
You also have the option to start the cancellation process by calling the customer service line or sending snail mail to Erie’s HQ.
Either way, the insurer requires written notice before it will process your cancellation.
When putting together your written notice, be sure to include:
To tick it off your to-do list quickly, call your local agent or drop by their office.
If you’d like to avoid the potential sales pitch to keep you as a customer, mail in your written notice. But Erie will likely contact you to confirm the cancellation.
To cancel your coverage over the phone, call toll-free at 800-458-0811 weekdays from 8 a.m. to 11 p.m. ET or Saturdays from 9 a.m. to 4:30 p.m. ET. Select option 4 or simply stay on the line.
Better yet, contact your local agent directly. Your Erie agent will explain the cancellation process, which includes sending in a written notice.
In some states, you may need to inform the DMV that you’ve canceled or changed your car insurance, so it’s worth asking your agent if that applies to you.
To bypass the phone call, mail your official written notice. Sign and date a letter with the info you need to cancel your policy and post it to Erie’s headquarters at:
Aim to send in your notice two to three weeks before you want your policy to end. This allows enough time for shipping, processing and delays.
Erie’s network includes more than 12,000 local agents across the 12 states it services: Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin and DC.
If you like, you can cancel your coverage in person at your agent’s office. For the address, look at your policy documents.
To find an Erie office near you, type your ZIP code into Erie’s online Find an Agent tool to see a list of local agents
You’ll receive confirmation by mail and email. If you haven’t received confirmation within two weeks, follow up with the insurer to make sure your policy was canceled properly.
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Whenever your circumstances change, it’s worth shopping around for a better rate.
If these situations apply to you, it might be time to think about canceling your car insurance policy:
The best car insurance policy should suit how you drive, what you drive and where you drive. If you’re not satisfied with your provider’s pricing, customer service or claims process, consider canceling your coverage.
With Erie, you’ll get a refund on your unused premiums, and you won’t have to pay a cancellation fee.
Staying with your provider has its benefits too. For example, you may be able to save money with renewal or loyalty discounts. Erie also offers a rate-lock guarantee, which means your rates change only if you update cars or drivers on your policy.
Erie requires written notice, but canceling is easier than with other providers. You can cancel over the phone, in person or by mail without a fee — and you’ll even score a refund on your remaining premiums.
When you’re researching which insurer to switch to, start by comparing car insurance companies to find the best one for you.
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