A Step-by-Step Guide to Canceling Your Allstate Car Insurance Policy

If you no longer need insurance from Allstate or found a better rate elsewhere, you may want to cancel your Allstate auto policy. Canceling is easy to do yourself in just a few quick steps. Here’s a walkthrough of how to properly cancel your Allstate car insurance policy

Canceling your Allstate insurance simply involves contacting them directly by phone or mail. You’ll need to provide some key policy details, pay any outstanding premiums, and look for a cancellation confirmation in the mail. We’ll outline the full process below.

Overview of Canceling an Allstate Auto Policy

Here are the basics of canceling an Allstate car insurance policy:

• Contact Allstate – You must notify them directly by phone, mail or in-person. Online cancellation is not available.

• Provide policy details – Have your Allstate policy number, account number, and requested cancellation date ready.

• Pay owed premiums – You must pay any premiums still due for the current policy period.

• Receive confirmation – Allstate will mail you confirmation of cancellation within 5-7 business days

• Get any refund owed – Allstate will send back the pro-rated unused portion of any premiums you pre-paid.

As long as you directly notify Allstate and provide the necessary information, canceling takes effect either immediately or on a future date you specify.

Below we’ll explore the step-by-step process to cancel your Allstate policy properly.

Step 1: Have Your Allstate Policy Details Ready

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

• Your full name and contact details (phone number, address)

• Allstate policy number

• Account number if different than policy number

• Date you want the cancellation to take effect

Also have details on new insurance if switching providers:

• New insurance company name

• New policy number

• Coverage start date

Having these details ready streamlines canceling your Allstate policy.

Step 2: Contact Allstate to Cancel

With your policy information gathered, you can contact Allstate to cancel through one of these methods:

By Phone: Call 1-800-255-7828 and speak to an Allstate representative. Explain you want to cancel and provide the policy details from Step 1. This is the fastest cancellation method.

By Mail: Write a cancellation letter with your name, policy number, cancellation date and reason (optional). Mail to: Allstate Insurance, PO Box 660598, Dallas, TX 75266. Keep a copy for your records.

In-Person: Visit a local Allstate agency and request cancellation assistance. They may have you fill out a cancellation form.

Canceling by phone is quickest, but Allstate accepts cancellation requests through all three options.

Step 3: Share New Insurance Policy Details

If you’re switching to a new insurer, provide:

• New insurance company name

• Your new policy number

• Date the new coverage takes effect

This ensures there’s no lapse between policies that would leave you uninsured. Allstate may request proof of your new coverage, so keep your new insurance ID card or documents handy.

Step 4: Pay Any Owed Premiums

You must pay any Allstate premiums still due for the current policy term when you cancel. Allstate will only refund unused premiums you already paid upfront.

For example, if you pre-paid for 6 months but cancel after 2 months, Allstate will refund 4 months. But you must still pay the 2 months of premiums you used.

Step 5: Get Written Confirmation

Allstate will mail you cancellation confirmation within 5-7 business days. This letter will verify:

• Your policy has been terminated

• The exact cancellation date

• Any premium refund amount you’re owed

If you don’t receive written confirmation within a week, contact Allstate to ensure your policy was canceled as requested.

Allstate Cancelation Fees and Refunds

The good news is Allstate does not charge fees for canceling your auto insurance early. You can terminate coverage at any time with no penalty.

Allstate will refund any unused premiums you pre-paid based on the remaining days left in the policy term. For example:

• You paid $600 upfront for a 6-month policy

• You cancel after 2 months

• Allstate refunds $400 for the remaining 4 months

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

Avoiding a Gap in Coverage

It’s important your Allstate cancellation doesn’t create a gap in insurance that could lead to fines or suspended license. Here are tips to maintain continuous coverage:

• Start your new policy before canceling Allstate

• Schedule 1-2 weeks of overlapping coverage

• Get written confirmation of cancellation

• Verify your new insurance is in force before the cancellation date

Maintaining proof of continuous coverage is crucial when switching insurers to avoid issues.

Alternatives to Cancelling Your Allstate Policy

Instead of completely canceling, consider these options to reduce costs or temporarily pause your policy:

• Let the policy lapse at renewal if you no longer need insurance

• Lower your liability limits or drop collision/comprehensive coverage

• See if you can suspend the policy if storing your car or traveling

• Have Allstate change the policy to insure a new vehicle rather than outright canceling

Discuss alternatives with your Allstate agent to find the best solution for your situation.

The Bottom Line on Canceling Allstate Insurance

Canceling your Allstate car insurance policy is quick and straightforward. Just contact Allstate by phone, mail or in person and provide your policy number, cancellation date and new insurance details.

Pay any remaining premiums owed and look for written confirmation within a week. Be sure to line up replacement coverage first to prevent any gap that could lead to costly consequences. Maintaining continuous insurance throughout the transition keeps your driving record intact.

Frequently Asked Questions About Canceling Allstate

Here are answers to some common questions about canceling an Allstate auto insurance policy:

Can I cancel my Allstate policy online?

No, Allstate does not offer online cancellation. You need to contact them directly by phone, mail or in person.

Is there a fee to cancel Allstate early?

No, Allstate does not charge fees for canceling your policy before the end of the term.

How long does it take to cancel Allstate?

You should receive written confirmation of cancellation within 5-7 business days after notifying Allstate.

What is Allstate’s cancellation number?

You can cancel Allstate car insurance by calling 1-800-255-7828.

How do I get a refund from Allstate after canceling?

Allstate will automatically issue a refund for any unused premiums you pre-paid. This is typically sent within 5-7 business days of processing the cancellation.

Following the proper steps when canceling your Allstate policy ensures a smooth transition and avoids any headaches down the road. Always line up replacement coverage before terminating your current insurance.