home > learning center > insights > customer service > before you cancel

customer service

canceling your auto policy

(and what to consider first)

Customers may need to cancel their Esurance policies for one reason or another. If you do, don't worry — you won't get the silent treatment from us. We want to help you make sure cancellation is the right decision, and with that in mind, we gathered a few important factors to take into account before you go.

phone

Parting is such sweet sorrow
If you're ready to cancel your Esurance policy, give us a call anytime at 1-800-ESURANCE (1-800-378-7262).

A quick legal reminder: car insurance is (usually) a requirement

In almost all states, drivers are legally required to maintain a car insurance policy. Penalties for driving uninsured include steep fines and the loss of driving privileges. So if you still plan on driving after you cancel your policy, make sure you're covered elsewhere before you get behind the wheel.

The importance of liability protection

car accident

Accidents happen, which is why you have car insurance in the first place. On top of the legal requirements, liability offers significant financial protection in case you're found at fault in an accident. Imagine a fender bender with a shiny new Lexus that causes whiplash for the Lexus' passengers — post-accident expenses add up in a hurry. Make sure you're really, really not planning on driving if you plan on going without car insurance.

When you might consider canceling your car insurance

There are a few common reasons why drivers think they should drop their auto policy. We want to help you avoid unforeseen trouble with this sort of transition and — in some cases — show you why you might not need to halt your coverage at all.

You're moving to a new state

You might be heading to a state where Esurance doesn't currently operate, meaning you'll need to switch to a new provider.

moving

But that doesn't mean we're going to leave you high and dry. Give our customer service reps a call at 1-800-ESURANCE (1-800-378-7262). They can recommend one of our many trusted partners to pick up where we leave off.

You're not driving

Maybe you're spending a year abroad or you're moving to an apartment on the Lower West Side of Manhattan where owning a car isn't easy. If that's the case, you could be tempted to drop your auto coverage temporarily.

This might save you money initially, but probably not in the long run.

tip

Because your prior insurance history is a factor that impacts your premium, a gap in coverage can lead to higher premiums when you do decide to drive again. And the longer the gap in coverage, the more it can affect your car insurance rate in the future.

You're selling a car

If you're selling a vehicle and don't plan on driving in the near future, don't cancel your policy until the ride is officially out of your possession (i.e., you no longer own the title).

You're switching to a new insurer

If you're moving on to another insurer, we can help you make a smooth transition and ensure you don't have a gap in coverage.

How to cancel your auto policy

At Esurance, we strive to make all your car insurance activities as convenient as possible — even cancellation. We understand that sometimes it's not possible to maintain your coverage and if that's the case, just give us a ring at 1-800-ESURANCE (1-800-378-7262). Our team will give you all the guidance you need.

Related links

Why insurers may cancel policies
Find out why insurers may initiate a policy cancellation.

Collector car insurance quote
Do you barely drive your car? Instead of dropping coverage, you might be able to switch to collector auto insurance.

Update your policy before you move
Learn what you should do car-insurance-wise before relocating.