How to Cancel Your Farmers Insurance Policy: 3 Methods

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How to cancel farmers insurance: driver adjusting her rear view mirror

Are you currently insured with Farmers auto insurance and in the market for a new auto insurance provider? There could be many reasons you’re on the hunt, including rising premiums, moving to a new state, or simply curious to see what’s out there. If any of this applies to you, this guide on canceling a Farmers auto insurance policy is for you.  

This guide will answer your questions about canceling your Farmers auto insurance policy. Keep reading about how Farmers Insurance cancellation policies work, how to cancel your policy, and best practices for enrolling in a new policy.

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What is Farmers Insurance?

Started in 1928, Farmers Insurance operates in all 50 states with more than 19 million individual policies today. They offer more than 15 different types of insurance policies, including auto, homeowners, business, commercial property, and life insurance.

Here, we’ll focus on canceling a Farmers auto insurance policy.

What Are Farmers’ Auto Insurance Cancellation Policy Terms?

Farmers’ auto insurance can be canceled at any time.

Farmers Insurance does not charge any insurance cancellation fee. Instead, expect a prorated refund for the unused portion of your policy. For example, if you paid for a 6-month premium upfront and canceled after three months, expect a 50% refund of the premium.

What Happens If I Don’t Pay for My Farmers Auto Insurance Policy?

Fortunately, Farmers offers a 30-day grace period for non-payment to avoid insurance coverage lapses. Farmers will only cancel your policy if you do not make full payment by the end of the grace period.

Reasons You Might Cancel a Farmers Car Insurance Policy

How to cancel farmers insurance: insurance agent holding a clipboard and a pen

There are many reasons why you may end your Farmers insurance policy.

Rising Premiums

Often, auto insurance adjusts premiums due to overarching market conditions. Even with no at-fault accidents, your premiums are determined mainly by demographic factors within your geographic area. If your “group” sees higher-than-average claims volume, expect your premium to go up.


When moving to a new city or state, there’s a high likelihood your rates will change. If you decide to keep your Farmers auto insurance policy, the best practice is to give a 30- to 90-day notice of your new address. Claims may only be allowed if Farmers has your new residence on file.

Need for a Different Policy

Often, Farmers auto insurance policyholders swap out their current vehicles for newer vehicles that may require different policies (e.g., classic or restored/salvage vehicles)

How Do I Cancel My Farmers Auto Insurance Policy?

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It’s pretty easy to cancel Farmers auto insurance.

First, gather your policy documents and find your renewal date. You may be eligible for a refund of your unused premiums to the credit card or payment method on file if your policy is canceled before the end of the renewal date.

Once you have your renewal date, use to shop around for auto insurance quotes from reputable auto insurance providers like Allstate, GEICO, and dozens of other cheap car insurance companies. Compare your current policy with new policies offering similar coverage. Auto insurance charges you a premium of 30% less for the same coverages (deductible and liability limits). Remember to ask about discounts.

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When you have identified a new policy you like, purchase it. Purchasing a new policy before canceling your old policy prevents any lapse in coverage. Remember, a single day or more in lapsed coverage could result in registration and driver’s license suspension on top of fines, administrative fees, impoundment, and potential jail time (depending on the severity of the offense.

Once you have purchased a new policy, it’s time to cancel your old policy.

3 Ways to Cancel a Farmers Auto Insurance Policy 

1. Call Farmers’ dedicated customer support line at 888-327-3335. From there, you will be connected with an insurance agent who will present you with your options.

2. Visit your region’s local Farmers Insurance office in person.

3. Mail a cancellation letter to the following address:

Farmers Customer Service
6301 Owensmouth Avenue
Woodland Hills, CA 91367

All of these methods are equally effective at canceling your Farmers auto insurance policy. 

How to Send a Cancellation Letter

A cancellation letter lets Farmers Insurance know you would like to discontinue your policy.

A well-written letter requests a stop on all automatic payments with a request for written confirmation of the cancellation by the insurer. It includes the policy number, the effective date when your new policy begins, and your new insurance company‘s name and policy number.

If you decide to write a cancellation letter, send it by certified mail and save a copy for your records.

Use this car insurance cancellation letter template to make it easy.

How Can I Lower My Farmers Auto Insurance Costs?

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If you decide to stick with Farmers but want a lower premium, there are many ways to save on your policy.

Increase Deductibles and Lower Liability Limits

Increasing deductibles (e.g., from $500 to $1,000) and lowering liability limits will lower your overall premium. According to the Insurance Information Institute, increasing your deductible from $200 to $500 can reduce the cost of collision and comprehensive coverage by up to 30%.

Cutting out miscellaneous coverage like roadside assistance, rental car reimbursement, and uninsured/underinsured motorist coverage can work as well.

Seek Discounts

One of the best ways to save on Farmers auto insurance is to apply for discounts. Discounts are typically categorized into four major categories: driver, policy, usage, and driver characteristic.

One of the most popular auto insurance discounts is the “Good Driver” discount, typically awarded to drivers with clean driving records for the past three to five years. Other discounts include low mileage, multi-policy (e.g., purchasing two or more policies under the same insurer), and safety-related discounts.

Safety-related discounts are awarded for enrolling in defensive driving courses and installing safety features in your vehicle like anti-lock brakes, anti-theft devices, and daytime running lights. 

Shop Around

Remember the power of shopping around. Before any policy renewal, it’s a good idea to shop around and compare quotes from a minimum of three auto insurance providers. One insurance provider might have a lower premium than a competing provider for the same coverage.

There Are So Many Policies to Explore 

Need to learn if there are more affordable policies out there that better match your coverage needs? allows you to do that by gathering lots of quotes in one spot so you don’t have to website-hop.

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