How to Cancel Your Farmers Car Insurance Policy in 5 Easy Steps
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Written byJessica Martel
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Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
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Edited byNick Versaw
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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Table of contents
Whether you’re moving out of state, selling your car, or looking for cheaper insurance, there are several reasons you might want to cancel your auto insurance. With Farmers, you can cancel your policy at any time by contacting your insurance agent or calling or texting the company’s customer service line.
If you’re thinking about canceling your Farmers car insurance policy, make sure you understand the steps to take before ending your policy — we’ll cover them all in the sections below.
5 Steps to Cancel Your Farmers Car Insurance Policy
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The Farmers website doesn’t provide much information about its car insurance cancellation policy, including whether it offers a refund or charges a cancellation fee. To learn more, Farmers recommends contacting your local insurance agent, texting Farmers at 1 (855) 922-3025, or calling the service line at 1 (877) 635-0024.
If you’re thinking about canceling your Farmers car insurance policy, you can start the process by following these steps:
1. Review your current policy
Before you call your Farmers insurance agent to cancel your coverage, take a look at your current policy.
Find your renewal date to confirm when your policy ends. You can also look to see whether your policy outlines if you’ll have to pay a cancellation fee or if you can expect a refund for unpaid premiums.
Finally, you should locate your Farmers policy number and have it on hand before you speak to your agent.
2. Understand what you need from your next policy
Your reason for wanting to cancel your policy can help inform which features you want in your next one. Think about what you’re trying to achieve by canceling your current policy. Maybe you want to increase or decrease your coverage or find cheaper coverage. Whatever the reason, it’s important to outline exactly what you’re looking for in your next policy.
You should also understand your state’s minimum insurance requirements. In nearly every state, this includes liability insurance, which protects you financially if you injure another person or damage their property. Depending on your state, you might also need personal injury protection (PIP) coverage, which covers your medical bills, regardless of fault.
And if you finance or lease a vehicle, make sure you meet your lender’s requirements, as well. This usually means maintaining “full coverage,” which includes comprehensive and collision insurance to cover your vehicle.
3. Compare quotes and purchase your new policy
The most important thing to do before you cancel your current policy is to make sure you have a new one in place. If you cancel your policy before your new coverage takes effect, this can result in a lapse in coverage. Driving without auto insurance is illegal in every state except New Hampshire, and it puts you and other drivers at risk.
If you cause an accident without insurance, you’re financially responsible for all damages and injuries. A lapse can also lead to higher premiums in the future, even if you’re only without insurance for a day or two.
Comparing quotes from multiple auto insurance companies is the best way to find the right fit and price. The quickest way to do this is with a car insurance comparison site.
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4. Contact Farmers customer service
Once you’ve found a new insurer that meets your needs, contact Farmers to cancel your auto insurance policy. If you have an agent, you can call them directly if you’d prefer. But if you can’t reach your agent or don’t have one, you can text Farmers at 1 (855) 922-3025 or call the customer service line at 1 (855) 342-3363.
The customer service line is open Monday to Friday, from 7 a.m. to 11 p.m. CT, and Saturday and Sunday, from 8 a.m. to 8 p.m.
When speaking with an agent, confirm your cancellation date and make sure it aligns with your new policy start date. Ask if you’ll get a refund, if you have to pay a cancellation fee, and if you have to sign any documents to confirm the cancellation.
5. Confirm your cancellation and get your refund
Before ending your call, ask how you’ll receive confirmation of your cancellation — often as an email or a cancellation letter. When you receive your cancellation notice, make sure it includes your effective cancellation date. You can also confirm when you’ll receive a refund at this time.
Finally, if you use automatic payments, make sure you turn them off once you have cancellation confirmation. You can do this by logging into your Farmers.com account.
If you have questions, reach out to your agent or Farmers customer service.
Ways to Cancel Your Farmers Auto Insurance Policy
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If you’re ready to cancel your Farmers auto insurance policy, you can do it in a few ways, including:
By phone
To cancel your auto policy by phone, you can reach out directly to your Farmers agent, call the customer service line at 1 (855) 342-3363, or text Farmers at 1 (855) 922-3052.
In person
If you prefer to cancel your Farmers policy in person, you may be able to visit your local agent’s office and complete the process with them. To find your local agent and their office address, log in to your Farmers online account.
When to Cancel Your Car Insurance Policy
Most insurance companies, including Farmers, let you cancel your car insurance policy at any time. Some companies may charge a cancellation fee if you cancel before the end of your policy, but most don’t.
When you cancel early, insurers can use a few different strategies to calculate your fees and refund. For example:
Pro-rata: The insurance company calculates your refund based on the amount of insurance you didn’t use.
Short-rate fee: The insurer retains a portion of your unused premium, often 10%. This strategy can result in a larger fee if you cancel closer to the beginning of your policy.
You can easily confirm if you’ll have to pay a fee by reviewing your current policy, speaking to your agent, or contacting customer service.
What to Consider Before Canceling Your Farmers Auto Insurance Policy
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Before canceling your Farmers auto insurance policy, you should consider a few things, including:
Find a new policy. If you’re thinking about canceling your policy, give yourself time to shop around and compare multiple insurance companies. Compare personalized quotes, research customer reviews, and feel confident in your decision before canceling.
Set up your new policy. You don’t want to have a lapse in insurance, so make sure your new policy date goes into effect before your cancellation date.
Ask about cancellation fees. You don’t want any surprise fees when you go to cancel. Ask your agent if there are any cancellation fees early on in the process.
Consider your current discounts. If you bundle your home or life insurance with your auto insurance, you might lose your bundling discount when you cancel your auto policy.
Farmers Car Insurance Premiums vs. the Competition
If you’re shopping for a new auto insurance policy, aim to get at least three quotes before you make a decision. The Insurance Information Institute (Triple-I) also recommends comparing different types of insurance companies, including insurers that sell policies through their own agents, independent agents, and directly to customers.
To get you started, the following table shows the average auto insurance rates from Farmers and a handful of its closest competitors, according to Compare.com data.
Company  | Average Monthly Premium | Compared to Farmers |
|---|---|---|
| Farmers | $181 | – |
| GEICO | $88 | -51% |
| Progressive | $119 | -34 |
| State Farm | $85 | -53% |
| Travelers | $145 | -20% |
| Industry average | $135 | -25% |
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.
We found that Farmers’ average monthly premiums are higher than all of its closest competitors. State Farm and GEICO are more than 50% cheaper than Farmers, with average monthly premiums of just $85 and $88, respectively.
Canceling Farmers Insurance FAQs
There’s a lot to consider before you cancel your auto policy. If you still have questions about how to cancel Farmers insurance, check out answers to some of our most commonly asked questions.
Yes, you can cancel your Farmers insurance policy at any time. Contact your local agent or reach out to Farmers customer service to start the process.
Farmers doesn’t indicate if it charges a cancellation fee on its website. Ask your Farmers agent if any fees come with canceling your auto insurance policy before you end your coverage.
The easiest way to cancel your insurance policy with Farmers is to contact your agent. If you don’t have an agent or can’t get a hold of them, you can text Farmers at 1 (855) 922-3025 or call the service line at 1 (877) 635-0024.
Insurance companies understand that customers need to cancel their policies for a variety of reasons. To politely cancel your insurance, you can contact your agent directly or reach out to your insurer’s customer service line and ask to cancel.
Sources:
Insurance Training Center, “Pro-rata vs. short-rate cancellation,” accessed September 12, 2024.
Insurance Information Institute, "How to save money on car insurance,” accessed September 12, 2024.
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Jessica MartelPersonal Finance Writer
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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