How to Cancel Your Travelers 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 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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Car insurance is a requirement in almost all states, but that doesn’t mean you have to stick with one company. Maybe you found a cheaper alternative when comparing auto insurance quotes, or you came across another insurer with coverage that better fits your needs.
Whatever the reason, if you have car insurance through Travelers, you have a few options to cancel your policy — over the phone, by mail, or in person with your local agent.
Here’s a breakdown of what steps to take before canceling, how to do it, and any alternatives you should consider before switching or canceling.
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5 Steps to Cancel Your Travelers Car Insurance Policy
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You can cancel your car insurance policy by calling Travelers’ customer service phone number, through the mail, or in person. The cancellation process is relatively easy, but be aware that the agent you talk to may try to convince you to stick with Travelers before processing your request.
Get your ducks in a row first with this five-step process to cancel your Travelers auto insurance policy.
1. Review your current policy
Before starting the cancellation process, take a look at your current Travelers policy. Make sure the vehicles on the policy and the coverages for each car are correct. If cost is the issue, you might find that you have coverages you don’t need or can change your current policy to better fit your budget.
If you’re ready to cancel, you’ll need to gather some information before contacting Travelers, including the names of anyone on your policy, your address, and the policy number. You should also check your renewal date to ensure your new policy goes into effect before your Travelers policy expires to avoid a coverage gap.
2. Understand what you need from your next policy
Take a few minutes to write down why you’re canceling your Travelers policy to help you identify what you need from your next car insurance company.
Some may consider working with a local Travelers agent a plus, but that might not be important to you. Or you might be looking for a company with an above-average J.D. Power Auto Claims Satisfaction rating or one that offers more car insurance discounts or coverage options.
Knowing why you’re canceling can make shopping for a new insurer easier. Just make sure your new policy meets your state’s minimum coverage requirements. If you’re financing or leasing a new vehicle, lender requirements can also help ensure you get the coverage you need.
For example, your lender may require you to have higher liability limits than your state and a maximum comprehensive and collision deductible of $500 or $1,000.
3. Compare quotes and purchase your new policy
Make sure you have a new policy in place before canceling your Travelers plan. It’s illegal to drive without insurance in all states except New Hampshire. And since companies use insurance history as a factor in pricing new policies, a gap could cause you to pay more in the future.
The best way to find the best company for your budget and coverage needs is to shop around and compare multiple companies’ policies and pricing. Using a car insurance comparison site is the easiest and best way to compare multiple quotes quickly.
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4. Contact Travelers customer service
Now that you have your new policy, it’s time to switch insurance companies. You can call Travelers customer service to cancel, speak with your local Travelers agent, or send a cancellation request by mail. Keep in mind that canceling in person or over the phone is faster than through the mail.
The agent you speak to will probably ask why you’re canceling and try to keep your business. If the Travelers policy still doesn’t meet your needs, ask to cancel. You’ll need to provide a cancellation date, which should match the effective date of your new policy.
5. Confirm your cancellation and get your refund
Depending on your cancellation date and how you pay for your policy, you might qualify for a refund from Travelers. If so, ask the agent how you’ll receive it. You may get a check in the mail or a deposit back into your bank account. If you have automatic payments set up, make sure to stop them so your next payment won’t accidentally process.
The cancellation process can take a few days or even several weeks, depending on the method you choose and whether you’re getting a refund. When you cancel your policy, ask the agent what the rest of the process will look like and the timeline. Contact Travelers if you don’t get your refund in a few weeks.
Ways to Cancel Your Travelers Auto Insurance Policy
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Travelers offers three ways to cancel your auto insurance policy: by phone, by mail, and in person. Here’s how to cancel your Travelers policy with each method.
By phone
Call Travelers at 1 (800) 842-5075. Travelers customer service is open 24/7, so you can call whenever it’s convenient for you. Just make sure you have your policy number and cancellation effective date ready before you call.
By mail
You can also send a cancellation request to Travelers at the following address:
Travelers
PO Box 5600
Hartford, CT 06102
Include your full name, address, policy number, and effective date for the cancellation.
Here’s a sample car insurance cancellation letter you can use if you don’t want to create your own.
In person
If you prefer, you can go to your local Travelers agent’s office in person to process your cancellation request. Travelers offers an agent search tool to help you find one if you don’t already have a dedicated agent.
Remember to ask for proof of cancellation before you leave the office and ensure it has the correct end date for your policy to avoid coverage gaps.
When to Cancel Your Car Insurance Policy
You can cancel your car insurance policy any time you want and for any reason. But because most states require continuous coverage, you should make sure you have a new policy in place that meets your state’s requirements before you cancel your existing policy.
Though most companies won’t charge a cancellation fee, some do in certain states if you cancel your policy midterm or early in the policy period. The fee may be a percentage of your insurance premium or a small flat fee to cover administrative costs.
Avoid surprises by asking Travelers if you’ll receive a refund or if you’ll have to pay any cancellation fees before you cancel. Ask for the amount in writing — usually through email, since it’s the fastest — so you can refer to it if you have questions in the future.
What to Consider Before Canceling Your Travelers Auto Insurance Policy
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Consider the following before canceling your Travelers auto insurance policy:
Compare rates with multiple companies to see which offers the best policy and coverage at the lowest price.
Switch to your new insurer first to avoid a lapse in coverage. Avoiding coverage gaps can ensure you have coverage if you get into an accident and have to file a claim.
Check with Travelers to see if you’ll owe a cancellation fee if you cancel now. If so, factor the cost into the price of your new car insurance policy to ensure canceling is still worth doing now or whether it makes more financial sense to hold off until your policy is up for renewal.
If you bundle your car insurance with another Travelers policy, such as homeowners, condo, or renters insurance, you’ll lose your multi-policy discount when you cancel your auto policy. Your home policy premium may increase after you cancel your vehicle policy.
Travelers Car Insurance Premiums vs. the Competition
Car insurance premiums vary widely from company to company, so it’s important to compare quotes before switching insurers. The following table shows average rates for some of the best auto insurance companies and how they compare to Travelers, according to Compare.com data.
Company | Average Monthly Premium | Compared to Travelers |
|---|---|---|
| Travelers | $145 | — |
| Farmers | $181 | +25% |
| GEICO | $88 | -39% |
| Progressive | $119 | -18% |
| State Farm | $85 | -41% |
| Industry average | $135 | -7% |
Travelers’ average rates are higher than several of its closest competitors. State Farm’s average rate of $85 per month is the best on this list — substantially cheaper than Travelers’ $145.
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Canceling Travelers Insurance FAQs
We answered a few of the most commonly asked questions about canceling Travelers Insurance below to help you avoid a coverage gap.
What’s the easiest way to cancel Travelers insurance?
Travelers doesn’t allow cancellations online, so the easiest way to cancel Travelers insurance is by phone. You can also go in person to a local Travelers agent or send a cancellation request by mail.
Can you cancel Travelers auto insurance anytime?
Travelers customer service is open 24/7/365, so you can cancel your auto insurance policy anytime, day or night. The phone number for Travelers customer service is 1 (800) 842-5075.
Does Travelers charge a cancellation fee?
It depends on where you live, how you pay your policy, and how close you are to the start date of the policy. Since Travelers may charge a cancellation fee, it’s a good idea to ask if canceling on your preferred date will incur a cost.
Does GEICO own Travelers Insurance?
No. Berkshire Hathaway owns GEICO, Travelers Insurance is a publicly traded company. That said, GEICO may sell insurance policies for Travelers under its subsidiary, GEICO Insurance Agency.
Sources:
J.D. Power, “2023 U.S. Auto Claims Study,” accessed August 12, 2024.
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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.
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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