How to Cancel State Farm Insurance: A Step-By-Step Guide

You can cancel your State Farm car insurance policy by phone at 1-800-STATEFARM, in person, or by mail. Online cancellations are not accepted.
Written by Pat Roache
Reviewed by Hillary Kobayashi
You can cancel your State Farm car insurance policy at any time by mail, in person, or by phone at 1-800-STATEFARM—but you can’t cancel online, and you should set up a new policy before you cancel. 

How to cancel your State Farm insurance at any time 

Even if you recently purchased your policy, you can cancel your State Farm auto insurance at any time. You don’t need to wait for your renewal date. 
Cancellation fees: State Farm doesn’t publicly advertise a cancellation fee for mid-term deactivations, but it's a good idea to check your policy or ask your insurance agent about fees or administrative costs. 
Refund eligibility: If you paid your State Farm premium in full, you will likely get a prorated refund for your unused coverage. The exact refund amount will vary, so be sure to ask a State Farm representative.
If you cancel your State Farm coverage before you set up a new policy with a different provider, State Farm will report a coverage lapse to your local Department of Motor Vehicles (DMV). Be sure to have a new policy start date lined up with the cancellation date of your State Farm car insurance.
Canceling your State Farm policy before your renewal date is a good idea if:
You found a better rate from a different car insurance provider
A different insurance company has
a bundling offer
that can help you save on your auto and homeowners insurance, or car and renters insurance
You are
selling your vehicle
and don’t plan on owning another car in the future
Pro Tip: If you want to deactivate your State Farm insurance policy mid-term because it’s too expensive, don’t cancel until you have a new insurance policy set up.
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You can find a lower rate and secure a new policy before you cancel your current insurance plan by comparing
car insurance quotes
Review quotes from multiple different car insurance companies in the
app and get instant coverage from a new provider to ensure you’re protected—and avoid a coverage lapse—before canceling your State Farm policy.

Don’t drop insurance when you sell your car

You will still need an insurance policy even if you’re selling your car, unless you don’t plan on owning another vehicle down the line. Even if you won’t own a vehicle for a period of time, a car insurance coverage lapse can lead to increased car insurance rates for your future vehicles. 
Instead: Ask your local State Farm agent if you can transition to a
non-owner policy
if you plan to sell your current car. With a non-owner policy, you’ll have temporary liability coverage until you’re ready to buy a new vehicle, and you’ll be eligible for better rates going forward without a coverage lapse on your insurance history.

The 3 ways to cancel State Farm insurance

If you’re ready to cancel your State Farm car insurance policy, you will need to gather the following information:
Your name, date of birth, and address
State Farm policy number
Driver’s license number
Date and time for your policy deactivation
Bill of sale if you sold your vehicle
Name of your new insurer, policy number, and policy activation date (if applicable)
With this information, here are the three ways you can cancel your State Farm policy:
Contact your local State Farm insurance agent via the customer service phone number at 1-800-STATEFARM (1-800-78283-3276) and be prepared with the information outlined above to process your policy cancellation request.
Write a formal letter addressed to Corporate Headquarters, State Farm Insurance, One State Farm Plaza, Bloomington, IL 61710.
Visit your local State Farm insurance branch to speak with an agent in person and cancel your policy.
Keep in mind: Policyholders can’t cancel car insurance through the State Farm website or via mobile app. You can cancel your State Farm auto insurance in person or by mail, but canceling over the phone is the easiest and most immediate method. 

Does State Farm charge cancellation fees?

State Farm doesn’t publicly list any insurance cancellation fees, but you should double-check the cancellation policy listed in your insurance documents just to be sure. 

Does State Farm refund if you cancel early?

If you paid for your auto insurance policy in full for a six- or 12-month term, you can expect to receive a refund on your unused insurance premiums when you cancel. You may see some deductions from your unused premium for administrative cancellation fees, but the majority of your pre-payment will come back to you. 
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What is the easiest way to cancel State Farm insurance?

The easiest way to cancel your State Farm car insurance policy is by calling 1-800-STATEFARM. You can cancel your policy immediately by phone, whereas mailing a letter or going in person will take longer. 

Does State Farm charge a cancellation fee?

State Farm does not typically charge a cancellation fee, but you should verify the terms and conditions of your specific policy. Check your policy declaration page or call your State Farm agent to learn more about your cancellation process and fees. 

Should I wait to cancel my car insurance at renewal?

You can cancel your State Farm car insurance at any time. State Farm may not charge a cancellation fee, which means canceling your policy mid-term will be fairly similar to canceling your policy at renewal. However, if the terms and conditions of your policy outline a fee for early cancellations, it may be wise to wait for your renewal date.

Can I cancel my policy at any time? 

Yes, you can cancel your State Farm insurance at any time, regardless of how long your policy has been active. 

Can I cancel my State Farm insurance online?

You cannot cancel your State Farm car insurance online. Policyholders can cancel by phone, by mail, or in person.

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