How to Cancel Your American Family Car Insurance Policy in 5 Easy Steps

American Family Insurance — also known as AmFam — offers car insurance at rates cheaper than the national average. But that doesn’t necessarily mean AmFam is the best option for you anymore. If you’re thinking about canceling your policy, you need to contact your agent or customer service.

Keep reading to learn the five simple steps to cancel your AmFam auto insurance and what to consider before ending your policy.

5 Steps to Cancel Your American Family Car Insurance Policy

American Family lets you cancel your car insurance by phone or in person. Follow these steps if you’re thinking about canceling your AmFarm policy.

1. Review your current policy

Check your policy’s coverage limits, types, and deductibles. Decide if your coverage makes the most sense for your needs. Sometimes, updating your policy might be better than switching insurers.

Timing is important when canceling your policy, so check your renewal date. If you cancel at the right time, you could save on fees or get a larger refund if you prepaid your policy.

But keep in mind that you should have a new policy in place when you cancel to avoid a lapse in coverage.

2. Understand what you need from your next policy

Whether you’re looking for a more affordable policy or better coverage or you’re unsatisfied with the customer service, your reason for canceling can help you decide what you need from your next policy.

When shopping around for a new policy, you’ll need coverage that meets your state’s minimum requirements. If you’re moving out of one of the 19 states AmFam covers, make sure you know your new state’s requirements. If you finance or lease your car, your lender may also require specific coverage.

Opting for extra coverage can lower your financial risk, especially if you’re in a serious accident. Full-coverage insurance helps cover the cost of fixing or replacing your vehicle, regardless of fault.

3. Compare quotes and purchase your new policy

After you decide how much coverage you need, it’s time to find a new insurer. Comparing quotes from several insurance companies can help you find the best auto policy for your budget and coverage needs. Car insurance comparison sites can help you quickly compare multiple quotes.

When comparing quotes, look for similar coverage options, limits, and deductibles. You should also check reviews and industry ratings for the insurers you’re considering.

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4. Contact American Family customer service

To cancel your auto insurance, call American Family customer service at 1 (833) 381-1155, or contact your local agent. The company doesn’t offer an online or mail-in option.

You’ll need to know your preferred cancellation date, policy number, rate, and coverage. Your AmFam agent or customer service representative usually wants to know why you’re canceling. Depending on your reasons, they may want to discuss options to revise your existing policy to better fit your needs and budget.

You should also ask if they charge a cancellation fee or if you’ll receive a refund.

5. Confirm your cancellation and get your refund

You should get proof that your policy has been canceled — or will be terminated later. Ask your agent or AmFam customer service for a copy of the cancellation request form and any other documents.

AmFam doesn’t specify how long the cancellation process takes, so ask your agent or customer service. You should also stop any automatic payments you have set up. If you’re eligible for a refund, ask how and when you’ll receive the money.

Ways to Cancel Your American Family Auto Insurance Policy

You can only cancel American Family policies by phone or in person, not online. Here’s how:

By phone

American Family Insurance requires you to submit a cancellation request form through an agent. You can contact your agent directly or call AmFam’s customer service at 1 (833) 381-1155 to find the closest agent. Customer service can also submit a cancellation request on your behalf.

In person

You can cancel in person at your AmFam agent’s office. American Family has locations in 19 states. To find your nearest agent, use the online agent locator or call customer service at 1 (833) 381-1155.

When to Cancel Your Car Insurance Policy

You can cancel your car insurance for various reasons, like selling your vehicle, moving to a new state, or switching insurers. Most companies allow you to cancel at any time. But it may be best to cancel when it’s closer to your renewal date. That way, you’re more likely to avoid any fees.

Every insurance company has different conditions for canceling a policy. Check your policy documents to make sure you know your insurer’s specific rules. Some insurers may require you to contact them by phone or by mail. Others may allow you to cancel online.

You may have to pay a cancellation fee, depending on your insurance company. But you could be eligible for a refund if you prepaid your policy.

What to Consider Before Canceling Your American Family Auto Insurance Policy

Before canceling your American Family Insurance policy, consider the following:

• Cancellation fees: Most insurers don’t charge a cancellation fee. But a penalty could wipe out any savings you’d get by switching to a cheaper insurer. Contact your agent or customer support to find out if American Family charges a cancellation fee.

• Any potential refund: Some insurers may refund some or all of your premium, depending on when you cancel and how much you’ve paid.

• Discounts: You could lose your bundling discount if you have other products with AmFam, like renters or homeowners insurance.

• Shopping around: If you’re planning to switch insurers, compare rates and coverage options to find the best policy for your needs and budget.

• Timing: To avoid a lapse in coverage, make sure you have a new policy by the cancellation date of your current policy. That may mean paying some or all of a new policy’s premium up front.

American Family Car Insurance Premiums vs. the Competition

Comparing multiple car insurance quotes can help you find a cheaper policy. For the most accurate comparison, it’s important to see how rates for the same coverage options and limits stack up from different insurers.

The table below shows how American Family’s average car insurance premium compares to its competitors and to the average cost of car insurance, according to Compare.com data.

The average cost of American Family auto insurance is $115 per month. That’s lower than the national average and some insurers, like Progressive. But GEICO and State Farm offer bigger savings, costing an average of $86 per month.

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Canceling American Family Insurance FAQs

Sources

1. Insurance Information Institute, “What’s the difference between auto policy cancellation and nonrenewal?,” accessed January 21, 2025.

2. Insurance Information Institute, “Is it legal to drive without insurance?,” accessed January 21, 2025.

3. Insurance Information Institute, “Choosing an insurance company,” accessed January 21, 2025.

4. Insurance Training Center, “Pro-Rata vs. Short-Rate Cancellation,” Accessed January 21, 2025.