How to Cancel Your Allstate Insurance Policy

Allstate is one of the largest insurance providers in the United States offering a wide range of policies including auto home, renters, life, and more. If you need to cancel your Allstate insurance for any reason, it’s an easy process as long as you follow the proper steps. Here’s a comprehensive guide on how to cancel your Allstate insurance policy.

Overview of Canceling an Allstate Policy

To cancel your Allstate insurance coverage, you’ll need to:

  • Contact Allstate directly to initiate cancellation
  • Provide your policy details like account number and cancellation date
  • Receive written confirmation once the cancellation is processed

Allstate does not allow policyholders to cancel online You must call customer service or contact your local agent to cancel

The cancellation will take effect either immediately or on a future date you specify. As long as you directly notify Allstate the cancellation process is quick and straightforward.

Below we’ll explore how to cancel step-by-step along with key information about Allstate cancellation fees, refunds, and impacts to your insurance status.

Step 1: Gather Your Policy Information

Before contacting Allstate, make sure you have the following information handy:

  • Your full name and contact details (phone number, address, email)
  • Your Allstate policy number
  • Account number or customer ID, if different than policy number
  • The date you want coverage to end (cancellation date)

Also have details ready for your new insurance policy if you’re switching providers, including the new company name, policy number, and start date.

Having all this information available makes canceling fast and easy.

Step 2: Notify Allstate to Cancel

With your policy details ready, you can now contact Allstate to cancel. You have two options:

Call Customer Service

  • Call 1-800-726-6033 to reach an Allstate customer service representative
  • Explain you want to cancel your policy and provide the details gathered in Step 1
  • The rep can process the cancellation request over the phone

Contact Your Local Agent

  • Call your agent directly or visit the agency in-person
  • Notify the agent you need to cancel your policy and provide necessary details
  • The agent may have you fill out a cancellation request form

Either way, the process only takes a few minutes. Calling customer service is often quicker, but you can choose either option.

Step 3: Provide New Insurance Information

If you’re canceling Allstate because you’re switching insurance providers, have details on your new policy ready:

  • New insurance company name
  • Your policy number with the new insurer
  • The date your new coverage starts

This ensures there is no lapse or gap in coverage when transitioning between insurance companies. Allstate may request proof of your new insurance, so keep your new policy documents or ID card handy.

Step 4: Pay Any Remaining Premiums

If you haven’t already paid your Allstate premium in full for the current policy term, you’ll need to pay any outstanding balance when you cancel.

For example, if you prepaid for 6 months but are canceling after 2 months, you must still pay the premiums owed for the 2 months of coverage received. Allstate will only refund unused premiums already paid.

Step 5: Receive Confirmation

Within 5-7 business days after canceling, Allstate will mail you written confirmation that your policy has been terminated. This notification will include details on any refund amount you’re owed for unused premiums.

Once you receive written confirmation, your Allstate policy is officially canceled and coverage has ended.

Allstate Cancellation Fees and Refunds

The good news is Allstate does not charge any cancellation fees or penalties for terminating an insurance policy early.

However, they will only refund the pro-rated unused portion of premiums you pre-paid for the policy term. This refund is calculated from the cancellation date until the end of the original policy period.

For example:

  • You paid $600 upfront for a 6-month policy
  • You choose to cancel after 2 months
  • Allstate will refund $400, the unused 4 months

The cancellation refund is typically sent within 5-7 business days.

Impact to Your Insurance Status

It’s important to avoid any gap in insurance coverage when canceling your Allstate policy. Even a single day uninsured could lead to fines, license/registration suspension, or other penalties depending on your state’s laws.

To prevent lapsing, ensure your new insurance policy is already in effect before your Allstate cancellation date. You may want to schedule a brief 1-2 week overlap where both policies are active as you transition between providers.

Maintaining continuous auto insurance is crucial when switching companies or policies. Make sure to get proof your new coverage is in force before terminating the old policy.

Alternatives to Cancelling Your Allstate Policy

Instead of completely canceling your Allstate insurance, consider these options:

  • Let the policy lapse at renewal rather than actively canceling
  • Lower your limits or remove optional coverages like collision to reduce premiums
  • Temporarily suspend the policy if you don’t need temporary coverage, where allowed by state
  • Switch the policy to a different vehicle rather than outright canceling

Your agent can explain alternatives that may better meet your needs and avoid cancelation altogether.

The Bottom Line

Canceling your Allstate insurance policy is simple:

  • Contact Allstate by phone or through your agent
  • Provide policy number, cancellation date, and new insurance information
  • Pay any remaining premiums owed for current term
  • Look for cancellation confirmation within 5-7 business days
  • Ensure new coverage is effective before old policy ends

Following these steps helps make the process quick and straightforward. Just be sure to secure replacement coverage first to prevent any insurance gaps. Maintaining continuous auto insurance is crucial when switching providers.

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You can get rid of your Allstate car insurance policy whenever you want, no matter what the reason is. You might not be happy with Allstate’s service, or you might find that a policy from a different company fits your budget better or gives you discounts that Allstate doesn’t.

You can’t cancel your Allstate auto policy online, though. To do that, you’ll need to call customer service or an agent.

Get quotes from several insurance companies and choose the best one before canceling your Allstate coverage. This way, you won’t have a coverage gap. [1].

Allstate doesn’t give customers the option to cancel their policies online. If you want to cancel your coverage, you’ll need to contact the company directly. Under “How can I cancel my policy?” on its Frequently Asked Questions page, Allstate links to a support/contact page that lists the different ways you can get in touch with the company for help, such as by phone, email, or chat.

Allstate doesn’t specify on its website whether it charges a fee for canceling before your policy renewal date. For more detailed information about canceling your policy, you can call your Allstate insurance agent.

If you’ve decided to move forward with canceling your Allstate coverage, follow the five steps below.

How Allstate quotes stack up vs. competitors

​​ The cost of car insurance is one of the main reasons people choose to switch insurers. If you’re considering canceling your Allstate car insurance, you’ll want to compare plan costs from different insurance companies. Your rate can change based on your age, where you live, your driving record, your education, and the type of car you drive.

Allstate’s average monthly liability-only and full-coverage rates are shown below, along with rates from other major car insurance companies. These rates are thought to be accurate as of Thursday, August 1, 12:00 PM PDT. Data reviewed by.

how do i cancel allstate insurance

  • 7+ years experience in data analysis
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Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Disclaimer: Table data sourced from real-time quotes from Insurifys 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyers unique driver profile.

Insurance Company Average Quote: Full Coverage Average Quote: Liability Only
Auto-Owners $78 $36
State Farm $121 $56
GEICO $122 $56
Progressive $134 $77
Allstate $138 $63
American Family $169 $76
Nationwide $186 $85
Travelers $195 $90
Liberty Mutual $242 $123
Farmers $251 $114

How To Cancel Auto Policy With Allstate

FAQ

Can you cancel Allstate policy online?

No, you cannot cancel your Allstate insurance policy online because Allstate requires all policies to be canceled over the phone (to call them at 1-800-676-5456). Allstate insurance policies can be canceled at any time, with a cancellation fee.

How to cancel Allstate insurance early?

If you’re canceling your policy early, you might need to pay an early cancelation fee subject to your policy’s terms and conditions. Additionally, your policy could be set for automatic renewal, which is important to note if you’re making the switch around renewal time.

How do I cancel my Allstate subscription?

To cancel your Allstate Motor Club membership, call 1-800-998-8697 to reach Allstate Motor Club customer service or email a representative at [email protected]. The Allstate Motor Club customer service center is open Monday to Friday from 7 a.m. to 7 p.m. Central Standard Time.

Can I cancel Allstate protection plan?

You may cancel your protection plan for any reason at any time. If you cancel during the first 30 days, you will receive a full refund. If you cancel after the first 30 days, your subscription will run until the end of the current monthly billing cycle, and it will not be renewed after that.

How do I access my Allstate insurance policy?

Access your policy anytime, from anywhere with the Allstate mobile app. We’re sorry to hear you’re considering canceling your policy. Please contact Allstate for assistance. Questions about your policy? Allstate support is available via chat 24/7.

How do I cancel my Allstate insurance policy?

3. Contact Allstate customer service You can cancel your policy by calling Allstate customer service at 1 (800) 726-6033. To speed up the process, you’ll need your policy number. Give the customer service agent your cancellation date — this should be on or after the start date of your new policy.

How do I Delete my Allstate account?

You can delete your Allstate account by logging in online and following the instructions under the “Settings” tab. If you need additional assistance, call your insurance agent directly or the customer service line. Can you cancel your Allstate car insurance policy online? No, you can’t cancel your Allstate car insurance policy online.

Can I cancel my Allstate car insurance policy early?

Once you receive written confirmation, you know your Allstate policy is officially canceled and coverage has ended. Allstate does not charge any fees for canceling your car insurance policy early. You can terminate coverage at any time without penalty.

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