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How to cancel your State Farm car insurance

Enjoy no fees and a prorated refund when you cancel State Farm car insurance. Just watch out for one last sales pitch.

State Farm is America’s largest auto insurance provider by no small margin, serving over 45 million auto policies throughout the US. Whether you found a better rate elsewhere or no longer need auto insurance, it’s easy to cancel your policy with State Farm.

Can I cancel my State Farm policy anytime?

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 State Farm that you want to cancel your policy.

State Farm generally doesn’t charge a fee to cancel your policy. It also offers prorated refunds — meaning you’ll receive a refund for any unused portion of your policy if you cancel early.

How do I cancel my State Farm car insurance?

State Farm’s straightforward site allows customers nearly full control of their policies. But while you can add, change and drop parts of your coverage through State Farm’s online platform or app, you can’t cancel your policy online. To fully cancel your policy, you must mail in a request, call an agent or send a fax. In some cases, your agent may also ask you to send a written notice by fax or mail.

Cancel by phone

  1. First, locate your local State Farm agent. If you can’t find your agent, call State Farm’s help line at 800-782-8332.
  2. Explain that you’d like to cancel your policy. You’ll typically need your policy number, name, date of birth and Social Security number. If you’re canceling because you’ve sold your vehicle, you might also need to provide proof of your vehicle’s plate forfeiture or a bill of sale.
  3. Cancellations by phone are typically effective immediately, or you can schedule it for a date in the future.
  4. Many states require you to inform the DMV when you cancel or change your auto insurance, but check your specific state’s guidelines or ask your agent if this is necessary.
  5. If you’re planning on getting back on the road with a different provider, the agent might ask for your new provider’s name, policy number and effective date.

Cancel by mail or fax

To cancel your policy, write a letter that includes:

  • Your name, address and phone number.
  • Your State Farm policy number, and the date and time you want your policy to end.
  • If you’re switching providers, your new insurer’s name, policy number and policy start date.
  • If you’ve sold your vehicle, proof of plate forfeiture or your bill of sale.

Sign, date and mail your letter at least two weeks before your intended cancellation date, leaving time for shipping and processing, to:

Corporate Headquarters
State Farm Insurance
One State Farm Plaza
Bloomington, IL 61710

Or fax your letter to 888-633-0405 or 905-750-5002.

Cancel in person

State Farm operates branches and agents all across the country, making it easy to walk in and cancel your policy.

To cancel in person, take along:

  • Your name, address and phone number.
  • Your State Farm policy number and the date and time you want your policy to end.
  • If you’re switching providers, your new insurer’s name, policy number and policy start date.
  • If you’ve sold your vehicle, proof of plate forfeiture or your bill of sale.

What’s the best way to cancel my insurance?

The quickest way to cancel your policy is to call your agent. However, you might get a sales pitch to stay with your provider. If this is something you’d like to avoid, then you might want to mail in or fax a written request.

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.

Do I need to have a new policy before canceling my policy with State Farm?

State Farm doesn’t require you to have another policy in place before canceling coverage, but your state does if you plan to continue driving your vehicle.

It’s illegal to drive without auto insurance, so you will need a new policy in place before canceling to prevent a lapse in coverage. In this case, State Farm might ask for the details of your new coverage.

If you don’t plan to continue driving, tell your agent when you cancel.

If you’ve sold your vehicle, some states require you to carry insurance until you turn in your plate, so be aware that State Farm may directly notify your state’s DMV of your lapse in coverage.

What should I consider before canceling my policy?

  • 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. Experts also recommend shopping around for a new policy once a year.
  • How much time do I need to switch policies?If you’re canceling by phone or in person, cancellation is usually effective immediately. But if you are mailing in a written request, give yourself enough time for State Farm to receive and process your letter.

Should I cancel or adjust my policy?

If you’re no longer happy with your provider, canceling outright might be the best option for you. Or if you are looking to save money, you might find a cheaper policy with another provider. But first compare all of your car insurance options to find the right provider for you.

However, there are benefits to staying with your provider and adjusting your policy. State Farm offers many discounts, like a multiple policy discount that can save you up to 17% and a multiple auto discount, which can save you up to 20%. Call your agent to see what discounts can be applied to your policy.

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Bottom line

Canceling your State Farm car insurance is easy and straightforward, but be sure to have a new car insurance policy in place if you will continue to drive your vehicle.

Frequently asked questions about canceling State Farm

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