How To Cancel Allstate Auto Insurance in 2023

The Allstate cancellation policy makes it easy to end your policy at any time with no cancellation fees. So call your agent or customer service to start the cancellation process after selling your car or finding cheaper rates elsewhere.

You may also get money back if you paid your policy term in full.

However, it may not be necessary to cancel Allstate auto insurance. If you’ve moved, bought a new vehicle, or need lower rates, you may be able to keep Allstate with a few adjustments.

Keep reading to learn how to cancel Allstate auto insurance and when you can keep your coverage.

How do you cancel Allstate auto insurance?

Allstate is one of the top auto insurance companies in the country, touting some of the lowest rates and high rankings for customer service. In addition to standard car insurance, it also offers rideshare coverage, usage-based insurance, and other products like homeowners coverage.

No matter why you’re canceling Allstate insurance, the company makes it easy to end your policy anytime. You don’t have to wait until your policy expires to change insurers, but you cannot cancel your policy online.

You’ll need to call your agent or customer service at 1-800-255-7828 to begin the cancellation process. Depending on your situation, you may need to provide an Allstate insurance cancellation letter.

You can mail your letter to:

Allstate Insurance Company
P.O. Box 660598
Dallas, Texas 75266

You’ll need to provide basic information, such as your name, address, policy number, and the policy end date. Also, you may be asked for company information if you’ve switched car insurance companies.

Although Allstate doesn’t charge a cancellation fee, your state may require one. Check to see if Allstate charges a fee before canceling. If a cancellation fee applies, consider waiting until your policy expires to switch auto insurance companies.

In addition, the Allstate refund policy allows you to get a refund for the unused portion of your payment if you paid for your policy upfront. For example, if you paid for 12 months but canceled after three, you’ll get a refund for the unused nine months.

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What are the steps needed to cancel auto insurance?

If you’re planning to change auto insurance companies, there are some steps to take that make the process much easier.

First, get your policy information. Find out when your policy expires and which coverages and discounts are listed. Changing companies at the renewal may be easier if your policy expires soon.

Next, shop around for new coverage. Every auto insurance company charges different rates, so compare multiple companies to find the coverage you need. Additionally, compare the same coverages and discounts to get accurate estimates.

Then, start your new policy. Fill out the paperwork and make a payment to start your new coverage. Ensure the start date is after the Allstate cancellation date. Even a one-day coverage lapse can cost you fines, a driver’s license suspension, and higher car insurance rates.

Finally, cancel your Allstate auto insurance policy. Verify you won’t be charged a fee, and find out if you’ll receive a refund. Follow up after the end date to ensure the policy ended with no problem.

Following these steps makes switching car insurance companies worry-free. However, comparing quotes at least every year is the greatest way to get the best deal available.

What should you consider before canceling Allstate auto insurance?

Before you cancel Allstate auto insurance, consider why you’re leaving. Then, depending on your situation, you may be able to keep the Allstate coverage you like.

For example, if you’ve sold a car, bought a new vehicle, or moved, you can still keep your Allstate policy. Simply adjust your vehicle or address on your policy. In addition, Allstate is available in all states, so you can modify your policy if you’ve moved.

However, your policy rates may change depending on your new vehicle or address. Some cars and ZIP codes come with higher auto insurance rates.

If you’re leaving because your Allstate auto insurance rates are too high, there are ways to lower your rates and keep your coverage.

Reduce coverage limits, raise deductibles, and remove extra coverage like roadside assistance to lower your rates. Although you’ll pay more out of pocket if your vehicle gets damaged, your overall car insurance rates are lower.

You can also take advantage of the various discounts, such as the good student, multi-policy, and new car discounts. You can also get discounts for the safety features on your car, like anti-lock brakes and anti-theft features. Bundle all available discounts for the most savings. 

If you’re a low-mileage driver, consider switching to Allstate Milewise. Milewise offers usage-based insurance, charging per mile driven. While coverage is the same as a traditional policy, rates are generally lower if you don’t spend much time behind the wheel.

How to Cancel Allstate Auto Insurance: The Bottom Line

You can cancel your Allstate auto insurance policy anytime for any reason. However, you must call your agent or customer service since you can’t cancel online.

Ensure you have a new auto insurance policy before your Allstate policy ends. Failing to do so leads to fines and higher auto insurance rates when you get coverage again.

In addition, you may not need to cancel your coverage at all. For example, you can keep your Allstate auto insurance if you’ve changed vehicles or moved, so update your policy with the new information. While your rates may change, you don’t have to cancel your coverage.

You can also lower your rates by reducing coverage, raising deductibles, and adding discounts. Also, consider switching to Allstate Milewise if you don’t drive a lot. Usage-based insurance is an excellent alternative for low-mileage drivers that offers the same coverage at low rates.

If you still choose to cancel your Allstate insurance, shop around to find the best deal. Each car insurance company offers different rates, so compare rates and discounts from multiple companies to find the coverage you need with low rates.

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