How to Cancel Farmers Insurance (2026 Guide)

Updated February 2026 • Phone required • Pro-rated refund available

⚠️ Critical: Never cancel auto or home insurance before your new policy is active. Even one day without coverage can cause license suspension (auto) or mortgage default (home).

What You Need Before Calling

Your policy number (found on declarations page or app)
New insurance proof (if switching auto/home)
Your agent's name and number (if you have a local agent)
Desired cancellation date (match it to your new policy start date)

Step-by-Step Cancellation

Option 1: Call Your Local Agent (Recommended)

Find your agent's number on your policy documents or the Farmers app
Call and request cancellation — specify the effective date
Your agent may ask you to sign a cancellation form (email or in-person)
Get written confirmation with the cancellation date and refund amount

Option 2: Call Farmers Directly

Call 1-888-327-6335 (Mon-Fri 7am-11pm CT, Sat 8am-8pm CT)
Say "cancel my policy" to get routed to the right department
Provide your policy number and desired cancellation date
They may transfer you to your agent — this is normal for Farmers
Request confirmation via email

Option 3: Written Cancellation Request

Some agents require a signed cancellation letter. Include:

Your full name and policy number
Statement: "I request cancellation of policy [number] effective [date]"
Your signature and the current date
Send via email to your agent or fax to the number they provide

Refund and Fees

Pro-rated refund: You get back unused premium from your cancellation date forward
No cancellation fee: Farmers doesn't charge a fee for canceling
Refund timeline: 2-4 weeks via check or back to your payment method
Monthly payers: Your recurring charge stops after cancellation processes

Insurance-Specific Warnings

🚗 Auto Insurance

Most states require continuous auto insurance. A lapse — even one day — can result in license/registration suspension, higher future premiums, and SR-22 filing requirements. Have your new policy active before canceling.

🏠 Home Insurance

Your mortgage lender requires homeowners insurance. If you cancel without replacement coverage, your lender will buy "force-placed insurance" — which costs 2-5x more and covers only the lender, not you.

💼 Life Insurance

Canceling life insurance means losing your locked-in rate. If you're older or your health has changed, you may not qualify for the same rate with a new insurer. Consider keeping it if it's term life at a good rate.

Why People Cancel Farmers

Rate increases: Farmers premiums have risen 15-30% in many states since 2024
Better quotes: Shopping around often saves $500-1,500/year on bundled auto+home
Claims handling: Some policyholders report slow claims processing
Agent dependency: Everything goes through your local agent, which some find inconvenient

Cheaper Alternatives

GEICO/Progressive: Often 20-40% cheaper for auto, fully online management
Lemonade: AI-powered, fast claims, good for renters and basic homeowners
State Farm: Similar agent model but often more competitive rates
USAA: Best rates in the industry (military/veteran families only)

💡 Get quotes from at least 3 insurers before canceling. Bundle auto+home for the biggest discount.

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Quick Cancel Guide: Farmers Insurance

Direct cancel link + step-by-step instructions