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How to Cancel Esurance Auto Insurance

Things to Remember

  • Before drivers try to cancel a policy, it is important to know how to cancel Esurance auto insurance
  • Improper cancellation could lead to a lapse in coverage, continued automatic payments, or being sued by an insurance company for non-payment
  • To cancel, you need to call Esurance directly and have the proper documents on hand

If you’ve decided to switch companies after reading an Esurance auto insurance review or no longer need auto insurance, then you need to know how to cancel Esurance auto insurance. If you cancel incorrectly, you could end up with fines or a lapse in coverage.

To find out how to cancel Esurance car insurance online correctly, read on. We will go over every step you need to take to cancel your Esurance policy.

To find a new company before canceling Esurance, enter your ZIP code in our free tool above to find affordable auto insurance quotes from multiple companies.

Table of Contents

How to Cancel Esurance Auto Insurance

There are a number of steps you need to take when canceling your Esurance auto insurance policy. We are going to go over each step one by one, so you can feel confident that you know how to cancel auto insurance when picking up the phone to call Esurance.

What information do I need to cancel Esurance auto insurance?

Before you even contact Esurance to cancel, you should get your information together. This will save you time, as you won’t have to scramble to grab paperwork during cancellation. To cancel, you should have all of the following information:

  • Your Esurance policy number
  • Policy number of your new insurer and start date of new policy
  • Reason for cancellation
  • Date you want your Esurance policy to end

If you are not canceling your policy because you are switching insurers, then you need to provide proof that you no longer need insurance, such as a vehicle bill of sale or returned license plates.

Why? Whenever you switch insurance or drop insurance, insurers want to make sure there isn’t a lapse in coverage. What does it mean to let your car insurance lapse? If you have an Esurance car insurance lapse, you will be labeled as a high-risk driver if you drive without insurance.

The Insurance Information Institute (III) states that an estimated 13 percent of drivers, or one in eight drivers, is uninsured. If you are found to be one of these 13 percent, there will be fines, jail time, and more.

So before you cancel insurance, make sure you have a new insurer lined up to start the day your Esurance policy ends. Take a look at the table below to see how other companies’ rates compare to Esurance’s rates.

Average Annual Auto Insurance Rates by Driver Profile
81-Year-Old Female$3,780$1,740$3,292$2,574
42-Year-Old Married Couple$3,914$1,630$3,046$3,876
42-Year-Old Married Couple (one accident)$6,242$3,222$5,622$4,566
18-Year-Old Female$8,326$4,702$8,488$9,298
18-Year-Old Male$10,268$4,114$7,342$9,542

Compare RatesStart Now →

If you no longer need insurance, make sure your Esurance policy ends on the day you sell your car or stop driving, not before.

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How do I contact Esurance to cancel my insurance?

Now that you know what information you need, it’s time to address exactly how do I cancel my Esurance insurance?

The best (and easiest) way is to call Esurance customer service at 1-800-ESURANCE (1-800-378-7262). Esurance answers phones seven days a week from 6 a.m. to 12 a.m. CT. If you need to send over documents, a customer service rep will most likely provide the Esurance fax number for cancellation.

You may also contact Esurance through mail. Keep in mind that this option takes much longer, and you may have to end up contacting Esurance regardless if you forget something in your cancellation email. Any mail can be sent to the following address:

Customer Service
Esurance Customer Service
P.O. Box 5250
Sioux Falls, SD 57117-5258

You may also use your Esurance login to sign into your account and directly message a customer service representive about Esurance policy cancellation.

When can I cancel my Esurance policy?

Can you cancel your insurance policy at any time? You do not need to wait until the end of a renewal period to cancel your Esurance policy, which means you can cancel at anytime.

Does Esurance give refunds if you cancel before the covered term? Yes. If you cancel in the middle of a policy period and have prepaid for coverage, make sure you ask about your refund.

For example, if you have prepaid for six months of coverage and cancel in the third month, Esurance should refund you for the unused three months of coverage.

How do I check that my Esurance cancellation went through?

The last step you need to take when canceling your Esurance auto insurance policy is making sure it canceled. This may seem like an unnecessary step, but there have been a number of cases in the auto industry where customers were charged for months after they thought they canceled.

A few of the reasons an insurance policy may not have been canceled correctly are:

  • A customer simply stops paying and assumes that is a cancellation (an insurer may take these customers to court for fees owned).
  • An automatic billing cycle is not properly closed by the insurer.

To make sure your policy has been properly canceled, you can check your online account or call Esurance. You should also check your bills if you have an automatic billing cycle to make sure it has been properly shut down.

Frequently Asked Questions: How to Cancel Esurance Auto Insurance

Do you still have a few questions about Esurance and cancellations? Read on to see what others are asking about canceling Esurance.

#1 – Is there a fee to cancel Esurance?

Yes, Esurance states that the company will likely charge a cancellation fee if you cancel before the end of your policy term.

However, if you cancel at the end of your policy period, there should be no cancellation fee. This applies to all types of policies, whether you are looking to cancel an Esurance homeowners’ policy or an auto insurance policy.

#2 – How do I stop automatic payments on Esurance?

Because Esurance payment options include automatic billing, it is important to know how to stop this service. You can log into your account or call Esurance directly to cancel automatic payments.

If you cancel your policy, Esurance should do this immediately. However, it is always smart to check your bank account the month after cancellation and make sure a mistake wasn’t made and you are still being charged.

#3 – What if I want to renew my Esurance policy?

If you decide to renew your policy instead of canceling, you generally do not need to do anything as policies renew automatically. However, if you have canceled your Esurance policy and wish to renew it, you will have to apply for a new policy.

We hope our guide to Esurance cancellation has cleared up any questions you may have. IF Esurance is not the auto insurance company for you and you want to start shopping for car insurance quotes before cancelling Esurance, enter your ZIP code in our free tool below.


  1. https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists

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