Orlando Harmon
State Farm auto insurance can be cancelled at any time, for any reason, but you must have a new policy in place before making the switch. Cancellation can be done over the phone, by mail, or in person. State Farm does not allow policy cancellation online. While it is unclear if State Farm charges a cancellation fee, it is generally a good idea to wait until your policy is up for renewal to avoid any potential fees.
State Farm may issue a refund if you switch insurance companies mid-term, especially if you prepaid for coverage. However, there have been reports of State Farm not issuing full refunds, with some customers receiving significantly less than their expected prorated refund. In such cases, State Farm may use a short rate calculation method, which is legal in certain states, to retain a portion of the unearned premium.
| Characteristics | Values |
|---|---|
| Cancellation Methods | Phone, Mail, In Person |
| Cancellation Requirements | Policy Number, Name, Date of Birth, Proof of Vehicle Sale/Plate Forfeiture |
| Cancellation Timing | Immediate or Scheduled for a Future Date |
| Notification Requirements | Informing DMV of Cancellation or Change, Notifying Agent of New Provider |
| Refund Calculation | Prorated or Short-Rate Basis, Dependent on State Guidelines |
| Refund Methods | Check, Online Payment Options |
| Refund Timing | May Vary, Potentially Up to One Year or Longer |
What You'll Learn
State Farm auto insurance cancellation policy
State Farm allows its customers to cancel their auto insurance policies at any time and for any reason. However, it is important to have a new auto insurance policy in place before cancelling your State Farm coverage, as most states require drivers to have insurance.
There are three ways to cancel your State Farm auto insurance policy: by phone, by mail, or in person.
Cancelling by Phone
To cancel by phone, call your local State Farm agent or 800-STATEFARM. You will need to provide your policy number, name, and date of birth. If you are cancelling because you have sold your vehicle, you may also need to provide proof of your vehicle's plate forfeiture or a bill of sale. Cancellations by phone are typically effective immediately, or you can schedule them for a future date.
Cancelling by Mail
To cancel your policy by mail, send a letter to the following address:
> Corporate Headquarters State Farm Insurance
> One State Farm Plaza
> Bloomington, IL 61710
Your letter should include the following information:
- Your name, address, and phone number
- Your State Farm policy number and the date and time you want your policy to end
- If you are switching providers, your new insurer's name, policy number, and policy start date
- If you have sold your vehicle, proof of plate forfeiture or your bill of sale
Sign, date, and mail your letter at least two weeks before your intended cancellation date to allow for delivery and processing.
Cancelling in Person
To cancel your policy in person, visit your nearest State Farm insurance office and speak with an agent. Bring the following information with you:
- Your name, address, and phone number
- Your State Farm policy number and the date and time you want your policy to end
- If you are switching providers, your new insurer's name, policy number, and policy start date
- If you have sold your vehicle, proof of plate forfeiture or your bill of sale
Refund Policy
If you have already paid your premium for the policy period in full, State Farm will refund the unused portion. State Farm does not impose a cancellation fee or penalty for early termination.
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State Farm auto insurance refund calculation
State Farm auto insurance can be cancelled at any time and for any reason. However, State Farm does not allow policy cancellation online. Instead, you can cancel by phone, by mail, or in person.
To cancel your State Farm auto insurance, you will typically need your policy number, name, and date of birth. If you are cancelling because you have sold your vehicle, you may also need to provide proof of your vehicle's plate forfeiture or a bill of sale.
Cancellations by phone are typically effective immediately, or you can schedule them for a date in the future. If you are switching to a different insurance provider, you may be asked for the name of the new provider, the policy number, and the effective date.
If you cancel your State Farm auto insurance mid-term, you may be owed a refund, especially if you prepaid for coverage. If you are unsure about the type of refund you can expect, check your plan documents or get in touch with State Farm directly.
State Farm also offers various ways to save on your auto insurance premium. You can:
- Raise your deductible.
- Switch to more affordable monthly payments.
- Add discounts for bundling other types of insurance.
- Combine multiple policies on one bill.
- Set up automatic payments and notifications.
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State Farm auto insurance refund methods
State Farm auto insurance refunds are typically issued when a policy is cancelled and the customer has prepaid for their coverage. State Farm does not specify on its website if it charges a cancellation fee, but it is likely that ending your plan during the policy period could result in a fee. Therefore, waiting until the renewal date to cancel your policy may help you avoid paying any unnecessary fees.
State Farm does not allow policy cancellations to be made online. Instead, customers must cancel by phone, through the mail, or in person. Regardless of the chosen method, customers will likely need to provide their policy number, name, and date of birth. If the policy is being cancelled because the insured vehicle has been sold, State Farm may also require proof of the sale or plate cancellation.
When cancelling a State Farm auto insurance policy, it is important to have a new policy in place beforehand, as most states require drivers to be insured. Once the cancellation is processed, customers can confirm the cancellation by checking their account information online or in the State Farm app. If a refund is expected, customers can refer to their plan documents or contact State Farm directly to understand how the refund amount was calculated.
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State Farm auto insurance cancellation fees
State Farm does not specify on its website whether it charges a cancellation fee. However, there are a few things to keep in mind when cancelling your State Farm auto insurance.
Firstly, it is important to note that you can cancel your State Farm auto insurance policy at any time and for any reason. However, it is recommended to wait until your policy is up for renewal to avoid any potential cancellation fees. By switching to a new policy when your current one expires, you can generally avoid additional charges beyond the premium of your new policy.
Secondly, before cancelling your State Farm auto insurance, make sure you have a new auto policy in place. This is because most states require drivers to have car insurance by law. Driving without insurance can result in legal and financial consequences if you are pulled over or get into an accident.
Thirdly, you cannot cancel your State Farm auto insurance policy online. To cancel your policy, you will need to contact State Farm by phone, mail, or in person. When cancelling, you will typically need to provide your policy number, name, and date of birth. If you are cancelling because you have sold your vehicle, you may also need to provide proof of the sale or plate cancellation.
Finally, after cancelling your State Farm auto insurance, be sure to confirm that the cancellation went through successfully. If you switch insurance companies mid-term, State Farm may owe you a refund, especially if you prepaid for coverage. Check your plan documents or contact State Farm directly to understand what type of refund you can expect and how the payment will be sent.
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State Farm auto insurance cancellation confirmation
State Farm auto insurance can be cancelled over the phone, by mail, or in person. To confirm your cancellation, you will need to provide your policy number, name, and date of birth. If you have sold your vehicle, you will also need to provide proof of the sale or plate cancellation.
If you are switching providers, you will need to provide the name of your new insurer, your new policy number, and the policy start date.
Cancellations by phone are typically effective immediately, or you can schedule them for a date in the future. If you are cancelling by mail, you will need to sign, date, and mail your letter at least two weeks before your intended cancellation date, leaving time for delivery and processing.
State Farm's contact information for cancellations is as follows:
Corporate Headquarters
State Farm Insurance
One State Farm Plaza
Bloomington, IL 61710
800-STATEFARM
Please note that you will need a new auto insurance policy in place before cancelling your State Farm coverage. Also, many states require you to inform the DMV when you cancel or change your auto insurance, so be sure to check your specific state's guidelines.
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Frequently asked questions
Yes, you can cancel your State Farm auto insurance policy at any time, for any reason, provided you have a new policy in place before making the switch. You can cancel by phone, by mail, or in person.
To cancel your State Farm auto insurance policy, you can call 800-STATEFARM. You will typically need your policy number, name, and date of birth. If you're cancelling because you've sold your vehicle, you might also need to provide proof of your vehicle's plate forfeiture or a bill of sale. Cancellations by phone are typically effective immediately, or you can schedule them for a date in the future.
If you switch insurance companies mid-term, State Farm may owe you a refund, especially if you prepaid for coverage. If you had your State Farm payment on autopay, you will also want to confirm with your bank or credit card company that the charges stop when your policy ends.
