You can cancel your State Farm car insurance at any time by calling 1-800-STATE-FARM, visiting your insurance agent’s office in person, or submitting a cancellation request by mail. You cannot cancel your State Farm auto insurance policy online.

It’s important to ensure your

car insurance

coverage meets your needs and budget, which sometimes means switching to a new insurance provider altogether. But canceling your car insurance without having another insurance provider lined up can have major consequences.

Whether you’re looking for a cheaper insurance premium or selling your car, there’s a lot to consider when canceling your auto insurance coverage. That’s why we’ve put together this guide on how to cancel your State Farm insurance. We’ll even go over the details of how you can find

cheap car insurance

for your next policy.

MORE:

Everything you need to know about a State Farm car insurance quote

Compare insurance quotes from 50+ carriers with Jerry in under 45 seconds (Title in payload)

Find Savings!

4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars

4.7/5 app rating | Trusted by 5M+ drivers

How to cancel your State Farm car insurance policy

State Farm customers can cancel their policy by phone, by mail, or by talking to a State Farm agent in person. Unfortunately, there is no option for policyholders to cancel their State Farm insurance online or via mobile app.

Make sure to have your State Farm

policy number

handy, as well as your name and date of birth, then choose one of the following options:

Call the phone number 1-800-STATE-FARM. You can cancel your policy immediately or set a future cancellation date.

Visit your

local State Farm agent’s office

Mail a cancellation request to Corporate Headquarters, State Farm Insurance, One State Farm Plaza, Bloomington, IL 61710. Allow two weeks for your cancellation to take effect.

Be sure to arrange your new car insurance policy before you cancel to avoid a lapse in coverage. You may be asked to provide your State Farm agent with the name of your new insurer, policy number, and effective date. Alternatively, you may be asked to provide a bill of sale if you’re canceling your coverage because you’ve sold your vehicle.

Can you cancel a State Farm policy without calling?

You can cancel your State Farm auto insurance in person or by mail, but canceling over the phone is the easiest and most immediate way to cancel your policy.

That said, phone cancelations are only available for State Farm auto insurance. You’ll have to meet with your local agent if you want to cancel any other policies from State Farm, like

homeowners

renters insurance

MORE:

Does State Farm have good car insurance discounts?

Fees and refunds

State Farm doesn’t list any public cancellation fees, but you should double-check the cancellation policy listed in your insurance documents just to be sure. You can expect to receive a refund on any unused insurance premiums.

If you have paid the full six-month or annual amount up front, then you should be refunded the unused portion. If you pay monthly, then you may receive a prorated refund depending on when you cancel. This is standard practice for most auto insurance companies.

Does State Farm have a grace period for nonpayment?

State Farm insurance policies include a 10-day

car insurance grace period

. This is the amount of time you have to make a late payment after its due date before your coverage is automatically canceled.

State Farm does not charge a late fee. This is unusual—some major companies, such as

Allstate

and

USAA

, do charge fees for delayed payments. Others, like

GEICO

Nationwide

, and State Farm, also do not charge late fees.

Be aware that if you do not make a payment within 10 days, your policy will be canceled and you will be uninsured.

MORE:

What happens if you don’t pay your car insurance?

How to avoid a lapse in coverage

You’ll need to arrange a new policy with another insurance provider before you cancel your current policy to avoid an

insurance lapse

. Depending on state laws, State Farm may be required to notify the DMV within 24 hours of a customer stopping coverage. If you don’t already have a new policy lined up before canceling, you might see higher insurance costs in the future.

How to avoid an insurance lapse when switching insurance providers

To avoid an insurance lapse while you’ve still got a car to insure, simply schedule the start date of your new policy before the end date of your current policy.

This is an important step whenever you switch car insurance companies—whether you’re canceling coverage early or waiting for your current coverage to expire. Allowing even a day or two between coverage periods can drastically raise your future premiums, regardless of whether or not you drive your car.

Remember the following steps when you’re switching insurance providers:

Tell your current insurance company that you’re thinking of switching providers. Your insurance agent won’t be able to negotiate your rate, but they may be able to find new car insurance discounts that you didn’t know about. This is also a great opportunity to check your policy for any cancellation fees and to estimate your refund.

Set up new coverage before your current policy ends. Solidify your new insurance policy before you even think about submitting an official cancellation request to State Farm. Allow a few days of overlap between the start date of your new policy and the cancellation date of your current one.

An easy way to avoid an insurance lapse when switching providers is by going through a licensed insurance broker, like

Jerry

. After providing you with a comprehensive list of competitive quotes, our team of super agents will help you cancel your old policy and set up your new one—all without leaving the app!

MORE: The 5 main reasons people switch car insurance companies

How to cancel your car insurance when you sell your car or have stopped driving

You may want to

cancel insurance when selling your car

if you don’t plan on buying a new one. In this case, it’s important to maintain your coverage until the date of the sale so as not to risk driving your car uninsured.

Once you’ve gotten rid of your car, you may want to consider buying

non-owner car insurance

if you plan on keeping your license or buying another car somewhere down the road. An insurance lapse can still affect your future rates—even if you don’t own a vehicle—so non-owner car insurance is a cheap way to maintain coverage.

Should you cancel your State Farm insurance policy?

You may want to cancel your State Farm car insurance if you think you could find cheaper car insurance rates with another provider after a major life change, including the following:

You can’t afford your current insurance coverage because your finances have changed. (Do not drop your insurance coverage altogether.)

Your credit score has changed.

Your driving record has improved (or suffered).

You’ve recently

moved

, changed marital status, or

sold a vehicle

. (Remember to submit a bill of sale to your local DMV.)

You’ve purchased other policies with a different provider and want to save money with an insurance bundle.

If your State Farm car insurance has gotten too expensive, you may want to revisit your coverage levels or lower your deductible before deciding to switch companies. However, in cases where your credit score, driving record, or other demographics have changed, you may be able to find a better rate with a different provider.

Experts recommend shopping for car insurance every six months to make sure you’re still getting the lowest rate available for your unique driver profile.

MORE:

Jerry insurance review

“I just financed a new car and knew my insurance premium was going to rise.
Jerry
was well worth it to use. They helped me find a lower premium and canceled my old policy instantly when I was ready to switch!” —Meghana D.

RECOMMENDED