How To Cancel State Farm Car Insurance [2025]

We understand that it’s sometimes necessary to cancel an insurance policy. What is required to cancel your State Farm auto insurance policy? Is it relatively simple and can you do it over the phone? We’ve researched this question for you. Read on to find the information you need.

Canceling State Farm Insurance

If you need to cancel your State Farm policy, that can be done from home, the office, or even in person. Here are the steps you would need to take for each option.

Canceling State Farm Insurance Over the Phone

To cancel State Farm car insurance by phone, here are the steps to follow:

• Have on hand the name of the primary policyholder, date of birth, and policy number.
• Call 1-800-STATEFARM (for canceling auto insurance only).
• Indicate whether you want the cancellation to be effective immediately or on a specific date.

Remember to inquire about details such as legal requirements in your state, refund policy, and cancellation fees.

Canceling State Farm Insurance by Mail

To cancel State Farm insurance by mail, you’ll need to follow these steps:

Write a letter to State Farm formatted with the name of the primary policy holder, address, and phone number:

• Include in the body of the letter your State Farm policy number and the date and time you want your policy to end.
• Indicate your new insurer’s name, policy number and policy start date, if applicable, to ensure there’s no lapse in coverage.

If you’re canceling because you’ve sold the vehicle, you may be required to provide a copy of the bill of sale or proof that you’ve forfeited the license plates. 

Read more:

• How do you write a car insurance cancellation letter?
• How To Cancel AAA Membership

Canceling State Farm Insurance In Person

If you’d prefer to cancel your State Farm policy in person, visit your agent and provide the following information as needed:

• Your State Farm policy number and the date and time you want your policy to end
• Your new insurer’s name, policy number, and policy start date, if applicable, to ensure there’s no lapse in coverage
• A copy of the bill of sale or proof that you’ve forfeited the license plates

Keep in mind that some states require drivers or insurance providers to inform the DMV of any cancellation or changes to insurance coverage. Talk to your agent about the requirements for your state to ensure that your cancellation is successful and you’ll not inadvertently experience a lapse in coverage or non-compliance.

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Plan Your State Farm Insurance Cancellation Wisely

The key to cancellation is planning, especially if you’re changing providers. What can you do to make sure that if you have to cancel your insurance, you do it wisely?

Do Your Homework

Sometimes there are other options that you may want to consider before canceling. For example, let’s say you’re canceling because you’re looking for more affordable insurance. Before deciding, look into what discounts are available to you. Ask your agent what things you could do to lower your current premium and keep your policy.

Shop Wisely 

When shopping for another insurance product, really weigh the rates against the coverage and services. Cheaper insurance isn’t always better insurance. Finding affordable insurance means finding both the rates and coverage that are best for you and your family in the long run.

Do It at the Right Time

If you decide to cancel, know how much time is left on your policy. Some companies charge cancellation fees, while others may offer a refund if you meet certain requirements. In general, State Farm does not charge cancellation fees.

Get Your Refund

State Farm will issue a refund on any pre-paid premium that is unused. So if you’ve paid in full but are canceling your policy before the term is up, you are likely owed a refund. Ask your agent how to go about ensuring you collect it.

Avoid a Lapse in Coverage

Plan your cancellation date to coincide with the effective date of your new policy, if applicable. This is important since a lapse or gap in coverage might leave you financially vulnerable. 

Canceling State Farm insurance is simple and convenient, and planning will ensure that you can make an informed decision and do what’s right for you and your family.

The Bottom Line on Canceling State Farm Insurance

You can do your State Farm cancellation in person, over the phone, or by mail. Be sure you’ve done your research so you can make an informed decision. 

If you decide to cancel, have all the necessary information at hand, and carefully plan the date so as not to experience a lapse in coverage. Make sure to inquire about any legal requisites for your state and whether you qualify for a refund. Talk to your insurance company about any questions you might have.