What is the best way to cancel my State Farm policy in CT without the DMV knowing?

Is there a way to cancel my State Farm policy without the DMV finding out? I live in Connecticut and the cost of insurance here is super expensive! I just can't afford it right now—and my ID cards are good for the next five months. Can I cancel my policy now and start it up again when the date of the ID card expires?

Answer
Car insurance can be expensive, but not nearly as expensive as driving around without insurance can be. Do not cancel your policy if you are still driving the car. To answer your question, though: There is no way to cancel your insurance policy without the state finding out.
Let’s review a few misconceptions about insurance. First, the ID card issued at the start of the policy term does not guarantee that you have insurance. It only shows that you made an initial payment to start a policy (like a promise to pay). Once you cancel the policy, that ID card is null and void.
CT is also an automatic reporting state. This means that when your State Farm policy is canceled—regardless of the reason—a message is automatically sent to the DMV advising that your insurance is no longer active.
Rather than canceling your policy and driving around with no insurance, you are better off shopping for a cheaper insurance policy or lowering your policy limits to the state minimum liability-only coverage until you can afford more coverage.
If you want to save money on car insurance, Jerry can help you compare dozens of competitive quotes and switch to a new policy in-app.
Shannon Martin
Answered on Oct 21, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
thumb-up

Did this answer help you?

Ask us a question by email and we will respond within a few days.
thumb-up

Have a different question?

You can meet us at our office and discuss the details of your question.
Let Jerry’s experts help you find savings on your car insurance!
No long forms or spam · Get quotes from 40+ carriers
Find insurance savings (100% Free)
rating primary
4.7/5 Rating on App Store

Easiest way to compare and buy car insurance

√
No long forms
√
No spam or unwanted phone calls
√
Quotes from top insurance companies
Find insurance savings — it's 100% free