How to Cancel Esurance Auto Insurance in 5 Steps
Your affordable Esurance auto insurance rates may change after a promotional period and increase after six months. Before you decide to cancel Esurance auto insurance, make sure you have new coverage in place.
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Written by
Rachel Bodine
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Reviewed by
Leslie Kasperowicz
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UPDATED: Apr 24, 2022
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- Esurance is an Allstate company
- The Esurance cancellation policy allows you to cancel your Esurance policy over the phone
- To avoid cancellation fees, wait for your Esurance policy to expire
When you buy Esurance auto insurance during a promotional period, you may not have thought about how to cancel. Esurance auto insurance rates will increase after three to six months, which might make you want to shop around. This guide will teach you how to cancel Esurance auto insurance policies. Also, we’ll teach you how to compare auto insurance quotes without an agent.
You won’t be able to cancel Esurance policies online, but you can use the Esurance auto insurance phone number to cancel your policy.
Before you decide to cancel a policy with Esurance auto insurance company, use our FREE comparison tool to locate cheaper auto insurance rates from multiple companies.
Table of Contents
How to Cancel Esurance Auto Insurance
To cancel your Esurance auto insurance policy, call the Esurance auto insurance phone number at 1-800-379-7262. You’ll be connected to an automated system that can get you to an Esurance representative for cancellation.
Here are five steps you can follow for how to cancel Esurance auto insurance.
- Step 1: Verify your renewal date – Review your renewal offer, which comes 45 to 65 days before your policy expires.
- Step 2: Compare auto insurance quotes – Shop around for affordable auto insurance rates. Use our online tool to find cheap coverage.
- Step 3: Find a new auto insurance policy – Once you find the coverage you want, purchase policy and set a date, so the switch goes smoothly.
- Step 4: Cancel your Esurance policy – Call Esurance and let them know the date you want to cancel.
- Step 5: Follow up on your refund – Ask about your refund if you paid your policy in full.
They may require something in writing, or Esurance could reach out to you through email.
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Why should you cancel Esurance auto insurance?
There are several reasons why you should cancel Esurance policies. We’ve listed five of the top reasons why customers should cancel their auto insurance policy.
You’re Switching Auto Insurance Companies
The auto insurance industry is very competitive. Therefore, you will find companies that have cheaper rates. Some companies are more consistent when it comes to affordable auto insurance.
According to the National Association of Insurance Commissioners (NAIC), the average cost of liability-only car insurance is $46 per month. If you think you can get a better deal, you can switch companies to save money.
Let’s review the average monthly cost of the best car insurance companies in the United States.
| Company | Average Monthly Liability-Only Auto Insurance Rates |
|---|---|
| Erie | $25 |
| Country Financial | $34 |
| National General | $35 |
| USAA | $35 |
| Amica | $38 |
| GEICO | $40 |
| Safeco | $40 |
| Auto-Owners | $43 |
| Kemper | $44 |
| CSAA | $45 |
| The Hartford | $45 |
| American Family | $50 |
| Automobile Club Group | $51 |
| State Farm | $52 |
| Auto Club of SoCal | $53 |
| Mercury | $53 |
| NJM | $54 |
| Nationwide | $57 |
| 21st Century | $65 |
| Allstate | $65 |
| Progressive | $65 |
| Travelers | $68 |
| MetLife | $69 |
| Liberty Mutual | $75 |
| Farmers | $77 |
| The Hanover | $116 |
| Esurance | $135 |
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The average Esurance auto insurance rate for drivers 21 to 42 is $3,004 per year for full coverage. Liability-only coverage is usually 54 percent of the full coverage cost. Therefore, your average liability-only rates per year would be $1,622, which comes up to $135 per month.
If you have a deductible, you can lower Esurance rates between $28 and $51 per month.
You’re Moving To Another State
If you’re moving to another state where your Esurance doesn’t do business, you may have to cancel your auto insurance policy. It is possible to have Esurance cancel your policy right away without any penalties. However, you should be ready to have another auto insurance policy ready to go.
You’re Not Driving Anymore
Some Esurance customers live in states where the average commute is through public transportation. There’s a significant demand for public transit in large metro areas, so you may want to consider cancellation if you don’t use your car.
You’re Selling A Vehicle
If you’ve decided not to drive as much, you can sell your vehicle. With no car in your possession, you won’t need auto insurance. It’s in your best interest to cancel your auto insurance before you give it to a buyer.
The Auto Insurance Policy is Too Expensive
Your auto insurance company can increase rates every three months to a year. Some companies decrease your auto insurance if you don’t file a claim within a year of having the policy.
Some Esurance rates can be more expensive when you do get an increase. If you think you’re paying too much for coverage, it may be time to cancel your auto insurance policy.
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When can I cancel Esurance auto insurance?
You can cancel your Esurance auto insurance any time you want. However, canceling your auto insurance policy before it expires may come with a cancellation fee depending on the Esurance cancellation policy.
Some cancellation fees could cost $25 to $50. Most auto insurance companies issue a short-rate fee, which is a fee that’s a percentage of your policy’s total amount (usually ten percent).
Can I receive a refund when I cancel Esurance auto insurance?
You can only receive a refund on auto insurance when you pay your car insurance policy in full. However, the refund amount depends on the months you didn’t use the company’s service.
For example, canceling three months into the policy will only get you a refund equal to three months worth of premiums. Fees and other costs are deducted from your refund, also. The amount of refund you’ll receive is a good thing to know when you consider Esurance cancellation.
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Canceling Esurance Auto Insurance: The Bottom Line
If your Esurance car insurance rates are too expensive, contact an agent right away to see if you qualify for discounts. For more information about Esurance, read our Esurance auto insurance review for more details on discounts and other factors that determine auto insurance.
Compare Esurance auto insurance quotes with other companies in your area by entering your ZIP code in the FREE online quote tool below.