How to Cancel Allstate Auto Insurance: Step-by-Step (2022)

There are many reasons you might need to know how to cancel Allstate auto insurance. You can cancel your Allstate auto insurance through your agent or by calling customer service. However, you may need to provide a written cancellation request. If you cancel Allstate auto insurance because of costs, consider adding discounts and raising your deductible to lower your rates first.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Nov 17, 2021

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A Concise Overview

  • You can only cancel an Allstate policy through an agent or customer service
  • A written policy cancellation request might be needed
  • You may be eligible for an Allstate auto insurance refund if you’ve paid in advance

You may need to know how to cancel Allstate auto insurance for many reasons. You may have found better rates with another company or have sold your vehicle.

Knowing how to switch car insurance companies can save you time.

Once you learn how to cancel a policy, shop around to find the best coverage with the lowest rates for you. Each company will offer different rates, so comparison shopping is a must.

Keep reading to learn more about how to cancel Allstate insurance. Enter your ZIP code to compare free quotes from auto insurance companies near you today.

What are the steps to cancel Allstate auto insurance?

Allstate allows you to cancel your auto insurance policy at any time without penalty. You may even get an Allstate car insurance refund if you pay in advance.

While you can cancel your policy whenever you want, it’s easier to cancel at your renewal. However, the process is the same no matter when you cancel.

The steps to cancel your Allstate auto insurance policy are:

  • Find out your renewal date. If your policy renews in the near future, it might be easier to wait.
  • Shop around for new auto insurance coverage. Each company will weigh your individual factors differently and offer different rates. Compare multiple companies to find the best deal.
  • Start your new auto insurance policy. Complete the application process. Pick a start date for your new policy.
  • Cancel your Allstate auto insurance. Leave at least a day or two of overlap with your new policy. This will help you make sure you don’t have a lapse in coverage.
  • Follow up with Allstate. Check to make sure your policy has been canceled. Find out if you are owed a refund.

It’s also vital that you have a new auto insurance policy in place before you cancel your Allstate policy. The Insurance Information Institute reports that about 13% of drivers are uninsured.

When you are ready to switch your auto insurance company, to ensure you stay fully covered, follow these steps.

Driving without at least the minimum amount of required insurance can lead to fines, and driver’s license suspension. You may even get jail time, and higher auto insurance rates when you finally do find coverage.

Save yourself the headaches and costs by making sure you don’t allow a lapse in auto insurance.

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How can you cancel Allstate auto insurance?

Allstate doesn’t allow you to cancel your policy online. In fact, the company wants you to cancel only by speaking with your agent or with customer service.

The company wants to keep you as a customer, so an agent or customer representative may offer you incentives to stay.

If you decide to cancel, you may have to provide a written cancellation request. The request needs to include your name, address, policy number, and date of cancellation.

If you want to leave Allstate but are having a hard time finding auto insurance coverage that meets your needs, consider getting temporary car insurance.

Temporary coverage can be more expensive in the long run. However, it can be a good alternative until you can find the right auto insurance for you.

How do Allstate auto insurance rates compare to other companies?

As you compare quotes from auto insurance companies, keep in mind that rates can be very different from company to company.

As an example, look at this table that shows you the average annual rates from top auto insurance companies. See how Allstate stacks up.

Average Annual Auto Insurance Rates Based on Coverage Type
Insurance CompaniesAverage Annual Rates for Low CoverageAverage Annual Rates for Medium CoverageAverage Annual Rates for High Coverage
Allstate$4,628.03$4,896.81$5,139.02
American Family$3,368.49$3,544.37$3,416.40
Farmers$3,922.47$4,166.22$4,494.13
GEICO$3,001.91$3,213.97$3,429.14
Liberty Mutual$5,805.75$6,058.57$6,356.04
Nationwide$3,394.83$3,449.80$3,505.37
Progressive$3,737.13$4,018.46$4,350.96
State Farm$3,055.40$3,269.80$3,454.80
Travelers$4,223.63$4,462.02$4,619.07
USAA$2,404.11$2,539.87$2,667.92
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Although Allstate isn’t the cheapest, rates can go down with discounts and bonuses.

What are ways to save on Allstate auto insurance?

If you are thinking of leaving Allstate because your rates are too high, there are ways to save money without the hassle of changing auto insurance companies.

First, take advantage of discounts. Allstate offers a lot of discounts based on everything, from driving records to policy types.

This table shows you available discounts from Allstate. If the amount of the discount is known, it is listed. Check to see if you are getting all of the discounts you are eligible for.

Auto Insurance Discounts from Allstate
DiscountsAllstate
Anti-lock Brakes
Anti-Theft
Claim Free
Continuous Coverage
Daytime Running Lights
Defensive Driver
Distant Student
Driver's Ed
Driving Device/App
Early Signing
Electronic Stability Control
Farm Vehicle
Full Payment
Good Student
Good/Safe Driver
Green Vehicle
Life Insurance
Low Mileage
Military
Multiple Policies10%
Multiple Vehicles
Newer Vehicle
Occupation
On-Time Payments
Paperless Documents
Paperless/Auto Billing
Passive Restraint
Senior/Mature Driver
Utility Vehicle
Vehicle Recovery
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Bundle your discounts for the most savings. Consider other ways to save that might be available, such as a safe driving bonus.

You can also raise your deductible and lower your coverage amounts to save money. Although you will have lower rates, you will be responsible for paying more out-of-pocket if your car is damaged.

How to cancel Allstate auto insurance: What’s the bottom line?

The Allstate cancellation policy is pretty simple. Contact your agent or customer service to start the process.

There is no insurance cancellation form to fill out. However, you might need to provide a written cancellation request.

If you want to leave Allstate, shop around before you buy auto insurance. Compare rates from multiple companies to find your best deal.

Now that you know how to cancel an Allstate policy, enter your ZIP code to compare rates from auto insurance companies in your area for free.

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