How to Cancel Esurance Car Insurance in 5 Minutes (2024)
- You can cancel your Esurance car insurance policy over the phone
- To avoid cancellation fees, wait for your Esurance policy to expire
- Esurance is part of the Allstate Insurance Company
Wondering how to cancel Esurance auto insurance? Canceling your car insurance with Esurance isn’t as challenging as you might think, and takes only a few minutes.
But what are the steps and when can you cancel? Don’t worry – we’re here to help you cancel your Esurance policy and get new coverage, too.
Our guide provides each step you’ll need to take to cancel a policy at the Esurance Insurance Company. Also, we’ll list the best car insurance companies that are excellent alternatives.
After you learn everything about how to cancel Esurance car insurance, enter your ZIP code in the free comparison tool above to compare multiple insurance companies near you.
How do I cancel Esurance car insurance?
To cancel your Esurance auto insurance policy, call the Esurance customer service number at 1-800-379-7262. You’ll reach an automated system that can get you to an Esurance customer service representative for cancellation.
Here are five steps you can follow to cancel:
- Step #1: Verify your renewal date – Review your renewal offer, which comes 45 to 65 days before your car policy expires
- Step #2: Contact Esurance – Call Esurance customer service and let them know you want to cancel
- Step #3: Give the representative your information – Be sure to give the representative your name, address, policy number, and other personal information to move the cancellation along smoothly
- Step #4: Set a cancellation date – Setting a date gives you time to shop around or change your mind about canceling
- Step #5: Wait for the cancellation date – You’re all set
Esurance representatives may try to change your mind by providing discounts that you may have missed. If price isn’t the reason you’re cancelling, this might not matter to you.
We recommend setting a cancellation date that’s the same or after your new policy starts. Immediately canceling could lead to a coverage gap in auto insurance, which can drive up your rates.
Can you cancel Esurance car insurance policy by mail?
Esurance’s website says that customers should cancel by phone. But if an agent instructs you to send a certified letter, you can send it to Esurance customer service.
Here’s the address:
Esurance Customer Service
P.O. Box 5250
Sioux Falls, SD 57117-5258
Esurance also has a corporate office in San Francisco. It’s located at 650 Davis Street, San Francisco, CA 94111.
Can you cancel Esurance car insurance online?
No, you can’t. Many customers ask how to cancel Esurance car insurance online, but Esurance doesn’t have any specific instructions on how to cancel online.
It’s best to cancel Esurance by phone or mail.
Can you cancel Esurance car insurance on the mobile app?
The answer is no. If you want to know how to cancel an Esurance policy on the mobile app, unfortunately that’s not possible. Esurance insists customers cancel by phone.
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When can I cancel Esurance car 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.
Some cancellation fees cost around $25. Most auto insurance companies issue a short-rate fee, which is a percentage of your policy’s total amount (usually 10%). If you cancel at your renewal, there are no fees.
Will I receive a refund when I cancel Esurance car insurance?
You will only receive a refund from Esurance auto insurance if you paid your insurance policy in full. However, the refund amount depends on the months remaining in your policy.
For example, canceling four months into a six-month policy will only get you a refund equal to two months worth of Esurance car insurance rates. Fees and other costs are deducted from your refund, also.
Why should you cancel Esurance car insurance?
There are several reasons why you might want to cancel your Esurance auto insurance policy. Here are a few reasons.
- You’re switching car insurance companies
- You’re unhappy with the customer service
- You’re not driving a motor vehicle anymore
- You’ve sold your car
- Esurance car insurance rates are too expensive
Of course, you might have other reasons as well.
How do I switch car insurance companies?
You can switch auto insurance companies easily. simple shop around, compare quotes, and choose the best one. Set you start date to be the same day as the end date of your Esurance policy.
Before you cancel Esurance and buy another policy, you should compare multiple auto insurance companies.
According to the National Association of Insurance Commissioners (NAIC), the average cost of liability-only car insurance is $48 per month. If you think you can get a better deal, you can switch companies to save money.
Let’s review the average monthly rates of the best car insurance companies in the United States.
Average Monthly Liability-Only Car Insurance Rates by Company
| Company | Average Monthly Liability-Only Car 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 |
The average Esurance auto insurance rate for drivers 21 to 42 is $1,620 per year (or $135 a month) for liability-only coverage. Liability-only coverage is usually 51 percent of full coverage car insurance.
Try shopping with Erie, Country Financial, and National General if you want to pay the lowest auto insurance rate possible.
Therefore, your average full coverage rate per year would be $2,446, which comes to $204 per month. If you have a higher deductible, you can lower Esurance rates to between $28 and $51 per month.
Why do I have to switch car insurance companies after moving to another state?
Insurance laws and insurance requirements vary for each state. In addition to different auto insurance rules, you may be moving into a state where Esurance doesn’t provide insurance.
Therefore, you may have to cancel your Esurance insurance policy. Esurance may cancel your policy right away without any penalties.
However, you should be ready to have another auto insurance policy ready to go when you move out of the state.
Do I need a car insurance policy if I don’t drive?
Don’t hold onto an auto insurance policy if you don’t drive at all. If it’s more beneficial to use ridesharing or public transit, it may be better for your finances to exclude car insurance expenses.
There’s a significant demand for public transit in densely populated urban areas, so you may want to consider cancellation if you don’t drive.
Should I cancel a car insurance policy before or after I sell my vehicle?
Hold on to your auto insurance policy before you sell the car. As long as the vehicle is in your possession, you should maintain car insurance coverage. After you sell your vehicle, cancel your auto insurance policy.
Why are Esurance car insurance quotes expensive?
Multiple factors determine whether affordable Esurance car insurance is available to you. When you buy Esurance car insurance, it’s based on your personal characteristics.
If factors like credit history, driving record, or how much you drive have changed, you’ll pay more for Esurance auto insurance.
Car insurance rates usually increase on renewal. That’s when insurance companies review your driving record and other factors.
If you think you’re paying too much for Esurance insurance coverage, it may be time to cancel your auto insurance policy.
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How to Cancel Esurance Car Insurance: The Bottom Line
Canceling Esurance auto insurance isn’t bad. However, if you cancel Esurance before you get another policy, it creates a coverage gap (also known as a lapse in car insurance).
To avoid a lapse in auto insurance, set up a newpolicy before you cancel with Esurance.
Now that you know how to cancel Esurance car insurance, use our free online quote tool to compare multiple insurance companies in your area.
Free Insurance Comparison
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