How to cancel car insurance Allstate

Written By: Rachel BodineReviewed By: Daniel WalkerUPDATED: Apr 29, 2022Fact Checked

• Allstate insurance can be canceled by contacting your agent.
• Make sure you have a new policy started before your current policy ends.
• You will need your name, address, and policy number to cancel.

Maybe you’ve found a better policy with one of the best auto insurance companies in your area. Maybe you are jumping onto someone else’s auto insurance policy. There are many reasons one might want to cancel an Allstate auto insurance policy.

If you are wondering how to cancel Allstate auto insurance, you’ll be happy to know the process is quite easy. Policies can be canceled by calling or visiting your Allstate agent; however, there are some pieces of information you’ll want to have on hand, which we discuss in our guide.

More: How to Cancel Nationwide Auto Insurance

Read on and easily find a new policy to replace your Allstate car insurance by comparing rates using our comparison tool above.

What is Allstate’s cancellation policy?

As mentioned above, contacting your agent is the best way to cancel your policy. Contacting your agent can be done by phone, email, or in person. If you are looking to cancel as soon as possible, contacting Allstate by phone will likely be your best course of action.

It doesn’t appear as if Allstate allows for cancellation by email, so there is no speciic Allstate cancel policy email address.

More: How to Cancel Farmers Auto Insurance

If you are unable to reach your agent, you can contact Allstate customer service department, which can be reached at 1-877-810-2920 or 800-255-7828.

If you are unsure of your agent’s contact information, it can usually be found on your Allstate auto insurance card. Allstate also has a mobile app where your information can be added. If you added information to this app when your policy started, your agent’s contact information may be there.

After canceling your policy, it is a good idea to get a cancellation confirmation or Allstate cancellation notice. This can help avoid any headaches down the line.

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Things to Consider Before Canceling Your Allstate Auto Insurance

More: How to Cancel Country Financial Auto Insurance

There are many things you should consider before canceling an auto insurance policy with any company.

For example, if you are moving and think you’ll have to cancel your policy, you could simply talk with your agent. A large company like Allstate will likely have an agency in your area and you won’t have to worry about searching for a new company.

For an example of how much Allstate costs by state, check out the chart below.

More: How to Cancel Safeco Auto Insurance

If you have purchased a new vehicle, you can also easily add it to your Allstate insurance policy by contacting your agent and giving them information about the new vehicle.

One of the most important things to do before canceling your policy is securing a policy with another company. It is illegal and unsafe to drive without auto insurance for any amount of time. Avoid all this by making sure your new policy starts when your old one ends.

What Pieces of Information You Need to Cancel With Allstate

Most insurance companies need similar information when canceling your policy. Of course, your name and address will be required. Your policy number should also be on hand. Be sure to give your agent the date you want your policy to be canceled.

More: How to Cancel Travelers Auto Insurance

It is important you are absolutely sure of the date your policy should end as you don’t want to be driving without insurance for even a day.

Some agents also require an Allstate insurance cancellation letter which should explicitly say you want to cancel your policy. If you’re wondering how to write a cancellation letter, you’ll be happy to know it’s quite easy.

Will I have to pay a cancellation fee?

Many people worry about a possible auto insurance cancellation fee when canceling their policies; however, Allstate doesn’t charge this fee in most cases. It is always important to double-check the rules for canceling your specific policy.

More: Things You Should Know Before Canceling AAA Auto Insurance

Additionally, it is a good idea to ask about any potential cancellation fees before starting a policy.

Does Allstate offer refunds?

If you have paid for your Allstate policy in advance, you will likely receive a refund after termination. Again, this is something that should be discussed with your agent.

Allstate auto insurance refunds come from the portion of your policy that has already been paid for which you haven’t used. If some time has passed and you’ve yet to receive your refund, be sure to follow up for information.

Finding Better Auto Insurance Rates

More: How to Cancel The Hartford Auto Insurance

Now that you’ve decided to cancel your auto insurance policy with Allstate, you might find yourself in the market for a new policy. There are many things that should be considered when looking for a new policy, including how auto insurance companies determine their rates.

You’ll find that most auto insurance companies have a similar set of determining factors, which can include the area you live, your age, the amount of coverage you opt to buy, and more.

If you are moving to a new state, you also need to consider the auto insurance laws in your new home. Some states require more auto insurance coverage than others.

More: How to Cancel USAA Auto Insurance

NAIC has a list of each state’s insurance websites. Additionally, check out the chart below for the minimum auto insurance requirements across the United States.

This video from Allstate touches on this liability coverage.

Now that you have some more information on finding a cheaper option than your Allstate auto insurance rates, don’t spend hours comparing rates online. Use our comparison tool below and easily compare rates from top companies in your area.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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Are you planning to cancel your Allstate auto insurance policy? Ending your coverage doesn’t have to be complicated – so long as you make sure you understand and adhere to Allstate’s cancellation rules.

Otherwise, you could end up delaying the cancellation date and potentially paying for additional coverage.

Here’s the low-down on how to make everything go smoothly.

First, before you cancel

Timing

The best — and easiest — time to switch is before your renewal date or before your next monthly payment is due. Most insurance companies will let you cancel at any time. However, you may be subject to a cancellation fee.

If you fell behind in your payments or recently added a new vehicle, you may need to pay the remaining premium before canceling your policy.

Check the rules and follow them

While it may be tempting to just stop paying your old premium, be sure to contact Allstate first.

If you don’t notify Allstate, you will continue to receive bills. If the bills remain unpaid, the insurer will report your nonpayment to credit agencies. This, in turn, could impact your credit score, meaning you could face higher car insurance rates in the future.

Likewise, arrange your new policy before you cancel with Allstate. This is because a lapse in coverage could lead to expensive fines or loss of driving privileges. Your agent may ask for this information to process your cancellation.

Know your reason

Think about, and be ready to explain, why you’re canceling before you take any action.

For example, you might be canceling to get a better price. In this case, decide if you would want to stay with your current insurer if they could find you a better price.

If you’re not canceling to switch car insurance companies, things are a little different.

For example, if you’re selling your car, or not planning on driving things are pretty straightforward. If you’re moving to a new state, and require new coverage, shop around to figure out whether it makes sense for you to stay with the same insurance carrier or not.

How to cancel Allstate auto insurance

All insurance companies handle cancellations differently. Here are the steps to cancel Allstate insurance specifically:

Instructions

• You must cancel your policy by contacting your Allstate agent. Allstate does not accept cancellations through any other method.To find the details for your Allstate agent you can find it via:
  1. Your Physical or digital insurance card
  2. The Allstate website3. Calling 1-800-ALLSTATE (1-800-255-7828); available 24/7

  4. The Allstate mobile app

• When you contact your agent, have your account number available.
• Contact your agent and tell them you want to cancel your policy.
• Submit a written request to cancel your policy to your agent, if requested.
• If required by state law, provide proof to back up the reason for your cancellation including a copy of vehicle bill of sale, new insurance policy or receipt of license plate forfeiture.
• Contact the following:
  •  Lienholder – generally drivers must maintain certain coverages such as comprehensive and collision if you are still making payments of your car.
  •  Financial institution – cancel any automatic payments
  • State department of motor vehicles – Some states require drivers to report car insurance cancellations. You might also have to turn in the vehicle’s license plates and registration tags.

Other things to check before canceling

Cancellation fee

You won’t necessarily have to pay a cancellation fee. Your agent will provide this information. Most insurance companies generally allow you to cancel your policy at any time, as long as you give appropriate notice (often 30 days).

Refunds

Check with your agent if you are entitled to a refund of any part of your premium. Typically, the entire unused premium will be refunded, though some insurance companies will charge a fee if you cancel in the middle of the policy term.

Cancellation confirmation

Obtain written confirmation of your cancellation from your agent in case there are any issues further down the line. If something goes wrong and you don’t follow up, the company could continue to bill you and may report you to the credit bureaus for nonpayment.

State laws

Determine your state’s legal requirements before contacting your insurance agent to cancel your policy. Most states require you have auto insurance for your vehicle to be registered or plated and even a short a gap in coverage can result in expensive fines or suspension of your driver’s license or registration.

If you are involved in an accident without insurance, you will be liable for personal injury and property damages that happens. 

Getting the best rate when you switch

When you switch providers it’s a great time to reassess what coverage you need. Think about whether you have the right level of the different types of car insurance.

Auto insurance doesn’t have to be confusing. Let the Cover app do the work for you including finding the right level of insurance at a great rate. 

Cover will get you an auto quote in as little as five minutes. All you have to do is answer a few short questions.

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