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How to cancel AARP Auto Insurance Program from The Hartford

You can end your policy whenever you’d like, but watch out for its 10% cancellation fee.

Updated

Fact checked

The Hartford car insurance company doesn’t make it easy to cancel. You’ll have to call to cancel. Compare your options for canceling to find the easiest and cheapest way to cancel with The Hartford.

Can I cancel my policy with The Hartford anytime?

Yes, it’s your right to cancel your policy whenever you’d like. Just be aware that canceling your policy before your term is up will have you waiting on a refund and possibly paying a fee, depending on your state.

Canceling your car insurance policy with The Hartford before your policy term is up won’t typically cost you a cancellation fee, though this might not be the case in all states. If you’ve paid for your policy in advance, The Hartford will refund your premium, though you might have to wait to get your refund check.

How do I cancel my policy?

While The Hartford mobile app allows you to access and modify your policy online, you can’t cancel your policy outright through its app or online.

To cancel your auto insurance policy with The Hartford, you must do so over the phone, by mail or in person with your insurance agent.

Info you’ll need to cancel your policy

  • Full name, address and phone number
  • Your policy number
  • Date and hour you’d like your coverage to end

Cancel online

To cancel your insurance with The Hartford in person, contact your local insurance agent and set up an appointment. Let your agent know you’re interested in canceling your policy so they have the opportunity to gather the necessary forms.

If canceling in person, you’ll be limited by your agent’s office hours, so keep that in mind if your policy cancellation is time sensitive.

Cancel by phone

To cancel your insurance with The Hartford by phone, call one of the following numbers:

Cancel by email

To cancel your insurance with The Hartford by mail, draft a letter that states your intention to cancel your current policy. Your letter should contain the following information:

  • Your name, address and phone number
  • Your policy number
  • The date and time you’d like your coverage to end
  • Your dated signature

AARP members can mail their letter to:

AARP Insurance Program
The Hartford
PO Box 14219
Lexington, KY 40512

Regular policyholders should send their letter to:

The Hartford Personal Lines
The Hartford
PO Box 14219
Lexington, KY 40512

How can I confirm that my policy is canceled?

You should receive a letter from The Hartford by mail confirming the cancellation of your policy. If you haven’t received a confirmation from The Hartford within two weeks, call its customer service department to follow up.

What’s the best way to cancel my policy?

The quickest way to cancel your policy is by phone. If you prefer to settle things face to face, book an appointment with your insurance agent to go over the paperwork together. If you’d prefer to sign off on a hard copy of your cancellation request, you can opt to mail a letter stating your intent to cancel your policy.

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

A good time to cancel or switch car insurance policies is at the end of your current policy term — however, you don’t have to. Sometimes waiting for your policy to roll over could cost you more in the long run.

If you’ve been in an accident or receive a ticket that made your premium skyrocket, you may want to look for a better rate with a new provider. In this case, the more economic choice may be to switch providers, even in the middle of a policy term.

Before making a decision, weigh the savings of a new provider against the cost of canceling your policy in the middle of your term.

What should I consider before canceling my policy with The Hartford?

  • Do you need proof of insurance? In most states, it’s illegal to drive without car insurance, which means you’ll likely need your new policy ready to go before you cancel with your current provider.
  • When does your current policy term end? Canceling mid-term with The Hartford could incur an early cancellation fee. Check to see when your current policy ends before pulling the plug. By holding off another month or two, you could save yourself some cash.
  • How do you intend to cancel your policy? If canceling over the phone, your cancellation should take effect immediately. But if canceling in person or by mail, the process could take up to several weeks.

Should I cancel or adjust my policy?

If you’re looking for cheap car insurance rates, it might be possible to simply modify your current coverage with The Hartford to receive a better premium.

While canceling your policy gives you the opportunity to take advantage of discounts and exclusive offers from other providers, it can be time consuming and frustrating. Not to mention the 10% fee The Hartford charges to cancel your policy early.

You can modify your policy coverage on The Hartford’s site and mobile app, but be aware that online reviews indicate a $28 policy change fee for making alterations to your policy.

Ready to cancel? Compare car insurance alternatives

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Clearcover
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AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
The AARP Auto Insurance Program from The Hartford
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Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
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Bottom line

Car insurance providers don’t always make it easy for you to cancel your policy. Canceling your current coverage could result in a penalty, so carefully weigh the pros and cons of switching providers.

Before you make a decision, compare your car insurance options to find a provider that best fits your needs.

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