How to cancel Nationwide car insurance |
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How to cancel Nationwide car insurance

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Your local agent is your best resource — even to end your policy.

While car insurance is a contract you sign with your provider, it’s a flexible one. As a policyholder, you can cancel at any time if you find a better rate elsewhere or your current insurer isn’t checking off all the right boxes.

You have a few options for terminating your policy with Nationwide. But the quickest way is to call your local agent.

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Nationwide’s cancellation policy

Supporting a network of agents dotted around the country, this provider encourages policyholders to contact a local agent for help with just about anything. And so the speediest way to cancel your policy is to get in touch with your agent, who will then ask you to put your request into writing. On confirmation, Nationwide will prorate any refund on your remaining premiums.

While you can cancel your policy whenever you want, auto insurance is a legal requirement in most states. Unless you’re planning to not drive, you’ll want to have a new policy in place to avoid penalties or fines for driving without insurance.

How do I avoid paying Nationwide’s cancellation fees?

Nationwide doesn’t charge a cancellation fee for terminating your policy. It simply refunds the unused part of your premium, making for a simple cancellation process.

How can I cancel my policy?

You can manage and update your coverage online, but you can’t cancel your policy online. Instead, you’ll need to contact an agent over the phone, in person or by email.

Your local agent is your best resource. But you an also call Nationwide’s general customer service line or send a letter to the provider’s headquarters.

Whichever method you choose, the insurer requires written notice before it will process your cancellation.

Info you’ll need to cancel your policy

Write a letter indicating that you’d like to cancel your policy, including:

  • Your name, address and phone number
  • Your Social Security number and date of birth
  • Your driver’s license number
  • Your Nationwide policy number
  • The date you’d like your policy to end
  • Your dated signature

What’s the best way to cancel Nationwide car insurance?

For the speediest service, call your local agent or pop into a nearby office.

To avoid any last-ditch sales pitch, you can mail in your written notice without calling. But Nationwide may still contact you to confirm the cancellation.

Canceling by phone

To cancel your coverage over the phone, start with your local Nationwide agent. You can find their contact information on your policy documents.

If you don’t have a dedicated agent, you can call member services at 800-882-2822 weekdays from 8 a.m. to 6 p.m. ET.

Otherwise, use Nationwide’s Find an Agent tool to narrow down a specific agent in your ZIP code. find an agent online. You’ll see a list of local agents along with their contact details.

A Nationwide agent will explain the cancellation process, which includes mailing written notice. Depending on where you live, you may also need to inform your local DMV that you’ve canceled or changed your car insurance, so it’s worth asking the agent if that rule applies to your state.

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Canceling by email

To skip the phone call, simply mail your written notice to:

  • One Nationwide Plaza
  • 1 West Nationwide Boulevard
  • Columbus, OH 43215

To allow time for shipping and processing, mail your notice two to three weeks before the date on which you’re hoping to terminate your policy.

Canceling in person

Nationwide is a major insurer with more than 30,000 associates in offices around the US. It’s run by a network of local agents, which could make it easy to cancel your coverage in person.

If you’re not sure where your local agent’s office is, look at your policy documents or use Nationwide’s online Find an Agent tool for a list of agents in your ZIP code.

How can I confirm my Nationwide policy is canceled?

In most cases, you’re emailed confirmation of your policy cancellation within a week or so.

If you don’t receive notice in that time, contact customer service or the agent you spoke to and ask whether your policy is officially canceled.

When is the best time to cancel or switch car insurance?

It’s a good idea to reassess your coverage whenever your circumstances change.

If any of these situations apply to you, consider shopping around for a better rate before canceling your car insurance policy:

  • Marriage. Recently tied the knot? You may be able to group your policy with your partner’s to cut costs.
  • A new home. Many companies carry multiple lines of insurance, and most offer discounts for bundling your homeowners and car insurance policies with the same company.
  • Improved credit. Boosted your credit score? You may find that you’re able to slash your premium with a new provider.
  • A new car. If you upgrade your car or merely change an old one out, take the opportunity to review your coverage. Other providers may offer a more suitable policy or attractive discounts.
  • A recent move. Laws vary state by state, so compare providers to ensure you’re getting the most out of your coverage. You may find another provider that better meets your needs.
  • Moving overseas. If you’re moving abroad for work or study, cancel your policy. Or look into suspending or pausing your coverage, if it’s temporary.

Can I cancel at any time?

Yes. Unlike other forms of insurance, you have the right to cancel your car insurance coverage at any time.

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What should I consider before canceling my policy with Nationwide?

  • Will there be extra costs? Before you cancel your coverage, make sure to line up a new policy. To avoid an overlap in payments, figure out if it makes more financial sense to wait for your policy to end.
  • Does my state require proof of new car insurance? Unless you live in New Hampshire or Virginia, it’s illegal to drive without car insurance. If you’re caught, you risk fines and other penalties. You’ll could also face a higher premium when you do purchase a new policy.
  • How much time do I need to switch policies? Nationwide requires written notice of cancellation, so allow up to three weeks for them to review and process your request.
  • Will I lose my discounts? Most insurers offer discount to new customers. But if you’re a longtime Nationwide customer, you might lose perks you’ve grown into. Take the time to compare provider discount to work out which one will service you best.
  • Do I have a big life change coming up? If you’re getting married, moving or buying a home soon, you might want to wait to switch providers so that you can score a better rate.

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.

Question 1 of 2

Based on your answers, check out:

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Should I cancel or adjust my policy?

Your car insurance policy should suit your situation. If your carrier no longer meets your needs or you’re not happy with its premiums, customer service or claims process, it might be worth canceling outright.

With Nationwide, you’ll get a prorated refund on your remaining premiums without having to pay a cancellation fee.

If you’re on the fence, there may be upsides to staying with your provider. For instance, you might be eligible for renewal or loyalty discounts that cut the cost of your premium. Nationwide offers a free On Your Side review every year, where an agent assesses your policy and identifies discounts and coverage options.

Alternatives to Nationwide

The car insurance market is as diverse as it is competitive, so you have plenty of options.

Name Product Roadside assistance New car protection Available states
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.
Liberty Mutual
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.
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.
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Yes, cars under 1 year old & 15,000 miles
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.
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

While there’s some admin involved, canceling your car insurance coverage with Nationwide is straightforward. You can start the process over the phone, in person or by mail and earn a prorated refund on your premiums.

Interested in switching providers? compare car insurance providers to find the right one for your needs.

Find the cheapest rates

Compare the best car insurance companies near you.

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Frequently asked questions

Katia Iervasi

Katia is a freelance writer from sunny Sydney, Australia. Her writing — and curiosity — has taken her around the world, and she now calls chaotic, creative New York home. She navigates insurance and finance for Finder, so you can splash your cash smartly (and be a pro when the subject pops up at dinner parties).

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