Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Jul 19, 2021

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How do I cancel my auto insurance policy?

Most people cancel their auto insurance policy once the notice of renewal arrives. When this letter comes, all you have to do is contact the insurance company and inform them that you do not want to renew the policy.

In cases where you want to cancel the auto insurance policy before it expires, you have to formally send in a letter of termination. There are terms under the policy which may require you to continue to pay for the remainder of the period. If you fail to fulfill your obligation to pay the premium, the insurance company could report you to the credit agencies.

The process of cancellation differs depending on the policies of each insurance company. Some may require you to discuss the situation with an agent or sign documents regarding the termination. If you have paid the insurance policy on an advance payment basis, you could request for a refund on the balance. The process usually takes a few weeks if approved.

The last step you should do is to inform the DMV that you have cancelled your policy. You will be required to state your reason such as sale of vehicle or death of car owner. For cars to be junked, the DMV will require you to surrender the registration tags and the license plates.


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