How to Cancel American Family Insurance in 2026

Updated February 2026 • 7 min read

American Family Insurance (AmFam) uses an agent-based model — meaning you likely have a local agent assigned to your policy. Canceling involves either calling your agent directly or calling the main line. Here is the process for every policy type.

Step 1: Get Replacement Coverage

Step 2: Contact AmFam

• Your local agent: Check your policy documents or amfam.com for your agent's direct number
• Main customer service: 1-800-692-6326
• Online: Log into amfam.com and request cancellation through your account (you may still need to talk to your agent)

Have your policy number ready. The agent or representative will ask for your cancellation date and reason. They may try to match a competitor's rate — decline if you have already committed to a new insurer.

Canceling Auto Insurance

1. Get your new auto insurance policy effective on or before your AmFam end date
2. Call your AmFam agent or 1-800-692-6326
3. Provide your new insurer's name and policy number (they may ask)
4. Specify your cancellation date
5. Request written confirmation
6. Notify your state DMV if required (some states need proof of continuous coverage)

Canceling Homeowners Insurance

1. Get replacement homeowners insurance first
2. Send your new policy's declarations page to your mortgage company
3. Call AmFam to cancel, providing the new insurer details
4. AmFam will send a cancellation confirmation to your mortgage company
5. Follow up with your mortgage servicer to confirm they updated the escrow

Canceling Life Insurance

AmFam life insurance can be canceled at any time. For term life, there is no cash value — you simply stop paying. For whole life or universal life, there may be a cash surrender value. Ask your agent about the surrender value before canceling — it could be significant on older policies. Consider whether you need replacement life coverage based on your current financial obligations.

Refund Policy

If you prepaid your AmFam premium (6-month or annual payment), you are entitled to a prorated refund for the unused portion. The refund goes to you if you pay directly, or to your mortgage escrow if homeowners is paid through escrow. Expect the refund within 2-4 weeks. If you do not receive it, call and follow up.

Why People Switch From AmFam

• Rate increases: Premiums jumped for many customers in 2025-2026
• Better rates elsewhere: Online insurers and competitors offer 10-30% less
• Claims experience: Some customers report slow claim processing
• Moving: AmFam operates in 19 states — may not be available at your new address
• Bundle savings: Better discounts bundling home + auto elsewhere

The Bottom Line

American Family Insurance cancellation goes through your local agent or the main phone line. The process is straightforward — the critical part is having replacement coverage in place first. Get written confirmation, claim your prorated refund, and notify your mortgage company if applicable.