How to Cancel Your Erie Car Insurance Policy in 5 Easy Steps
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Written byMandy Sleight
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Edited byMatthew Gross
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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Table of contents
Erie is one of the cheapest car insurance companies, according to Compare.com data. But canceling your policy might make sense if you find a better rate or move to another state. Erie requires you to contact your local agent to cancel your auto insurance policy. You can call your agent or go to their office, though the specific process may vary.
This guide outlines the five easy steps to cancel your Erie insurance, plus what to consider before canceling.
5 Steps to Cancel Your Erie Car Insurance Policy
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The process to cancel your car insurance policy varies by company. You’ll need to contact your local agent to cancel your Erie policy. Your agent may process your cancellation over the phone, but you might need to visit an office.
You should take the following steps to cancel your Erie coverage.
1. Review your current policy
You’ll need your policy number to cancel your Erie insurance, which you can find on your declarations page or by reviewing your policy details online. You’ll also need your cancellation date so your agent can process your request.
Review your policy for coverage types, limits, deductibles, and insurance premiums. You can use this information when choosing a new insurer. You should also look up your policy renewal date. You may qualify for a refund if you cancel before your policy renews.
2. Understand what you need from your next policy
Your reasons for canceling your Erie insurance policy — like cost or coverage options — can help you decide what you need in a new policy. Your new policy still needs to meet your state’s minimum coverage requirements. You may also have to meet minimum lender requirements if you finance or lease your vehicle.
3. Compare quotes and purchase your new policy
Driving without auto insurance is illegal in almost every state, so you must buy a new policy before you cancel your Erie insurance. You can get quotes from multiple companies to find the coverage you need at the lowest price.
Use a car insurance comparison site to easily compare multiple quotes and find the best policy for you.
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4. Contact your local Erie agent
You’ll need to call your Erie agent or visit their office to cancel your policy. They’ll need your policy number, end date, and reason for canceling.
To keep your business, your agent may review your policy to ensure you take advantage of any eligible discounts and have only the coverage you need. You should ask if you need to provide a cancellation letter and whether you’re entitled to a refund.
5. Confirm your cancellation and get your refund
Ask your agent how you’ll receive your cancellation confirmation — usually by email or mail. If you qualify for a refund, ask your agent how much you’ll receive, how you’ll get it, and how long it will take.
If you have auto pay, log in to your Erie online account to cancel it, or ask the agent to do it while you’re in their office. If you’re not eligible for a refund, find out if you owe anything to keep your policy active until your cancellation date.
Ways to Cancel Your Erie Auto Insurance Policy
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You can cancel your Erie insurance policy through your agent, either by phone or in person. Here’s how each method works.
By phone
You can call your local Erie agent to cancel your auto insurance. If you don’t know your agent’s phone number, use Erie’s agent locator tool to find the office closest to your home.
In person
If you want to cancel your policy in person, visit your local Erie agent’s office. You can call or use the insurance agent locator to find their office hours.
When to Cancel Your Car Insurance Policy
Most insurance companies, including Erie, let you cancel your car insurance anytime. While some insurers, like Mercury, The General, and National General, charge a cancellation fee, Erie doesn’t, according to its website.
Even if you have to pay a cancellation fee, it may be worth canceling your policy before your renewal date. It might make sense to cancel your policy if you:
What to Consider Before Canceling Your Erie Auto Insurance Policy
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While it might be the right choice for you, consider a few things when canceling your Erie car insurance policy:
Shop around. Compare quotes before canceling your Erie insurance to ensure you get the coverage you need.
Switch at the right time. To prevent a lapse in coverage, make sure your new policy takes effect by your cancellation date.
You may lose discounts. You may have a multi-policy discount if you have other Erie insurance policies. Canceling your auto insurance could mean you’re no longer eligible for those bundled savings.
You could end up with less coverage. When you cancel your policy, you’ll lose any optional coverage Erie offers — like roadside assistance or pet injury accident coverage. If you want similar coverage, make sure your new policy includes it.
Erie Car Insurance Premiums vs. the Competition
Comparing car insurance quotes is the best way to get the policy for your needs at the cheapest rate. The table below shows how Erie’s competitors compare to Erie’s average cost of car insurance, according to our data.
Company ▲▼ | Average Monthly Premium ▲▼ | Compared to Erie ▲▼ |
|---|---|---|
| Erie | $70 | — |
| GEICO | $86 | +23% |
| Progressive | $124 | +77% |
| State Farm | $86 | +23% |
| Industry average | $134 | +91% |
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Erie’s rates are well below the industry average — around 48% less than other well-known insurers. GEICO and State Farm are the closest but are still 23% more expensive than Erie.
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Canceling Erie Insurance FAQs
We answered the most common questions about canceling Erie insurance to help you better understand the process.
Can you cancel Erie auto insurance anytime?
Yes, you can cancel Erie auto insurance anytime. You should have another policy in place before canceling your Erie policy in order to avoid any lapses in coverage.
Is there a cancellation fee for canceling Erie auto insurance?
No. You can cancel Erie auto insurance at any time during your policy period without paying a cancellation fee. But you may need to continue paying your premiums to keep your policy active until the cancellation date.
Can you cancel Erie auto insurance online?
No. You need to contact your local Erie agent to cancel your auto insurance. Your agent may have multiple ways to cancel, including in person or by phone. They might allow you to start the process by completing a cancellation request online.
How do you cancel your Erie auto insurance over the phone?
Call your local Erie agent to cancel your auto insurance policy. You’ll need to give them your policy number and cancellation date. You may need to fill out a cancellation form or provide the details of your new policy to finish the process.
Sources:
Insurance Information Institute, “10 questions to help assess your changing insurance needs,” accessed January 10, 2025.
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Mandy SleightInsurance Writer
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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