Is There a Fee to Cancel Erie Insurance?

Last Updated on March 1, 2022

Erie Insurance is a popular and well-rated car insurance company. But do you pay a fee when canceling your Erie auto insurance policy?

Like most insurers, Erie does not charge a fee when canceling an auto insurance policy. In fact, Erie may provide a refund on premiums you have already paid.

Keep reading to discover everything you need to know about canceling Erie insurance and how much it could cost.

Table of Contents:

How to Cancel Erie Insurance

To cancel your Erie auto insurance policy, you must contact your agent directly or call Erie customer service at 1 (800) 458-0811.

You can cancel your Erie insurance policy immediately. Or, you can cancel it for a future date.

To cancel, you need your name, policy number, and the date on which you want your Erie policy to end.

You cannot cancel your Erie auto insurance policy online. You must call Erie.

Alternatively, you can cancel your auto insurance policy by mail. Write a letter to Erie Insurance Group (at 100 Erie Insurance Place in Erie, PA 16530) with your name, policy number, and the date on which you want to cancel your policy.

To cancel Erie auto insurance:

Method 1) Cancel by Phone

You can cancel your Erie auto insurance by phone. Call 800-458-0811 on weekdays from 8am to 11pm EST or on Saturdays from 9am to 430pm.

Alternatively, you can call your local Erie agent. Erie has thousands of agents across its 12 covered states. Your Erie agent can handle all policy cancellations.

Method 2) Cancel by Mail

You can also cancel your Erie auto insurance policy by mail. Mail a written notice of cancellation to the company at:

Erie Insurance Group
100 Erie Insurance Place
Erie, PA 16530

Send in your cancellation notice 2 to 3 weeks before you want your policy to end. Mention your name, insurance policy number, and desired cancellation date. Erie should cancel your policy on your chosen date – and you can avoid a potential sales pitch from your Erie agent.

Method 3) Cancel in Person

Erie agents have offices across 12 covered states. You can walk into your Erie insurance agent’s office to cancel your policy in person. Check your insurance policy to verify the insurance agent’s address. Or, type your ZIP code into Erie’s website to find an agent near you.

Erie Does Not Charge a Cancellation Fee

Erie does not charge a cancellation fee, nor do they impose any penalties for terminating your policy early.

Most insurance companies in the United States do not charge cancellation fees. You can cancel your insurance policy at any time without penalty.

Erie Should Refund Premiums You Have Already Paid

If you already paid for your Erie auto insurance policy upfront, then you should receive a refund on those premiums.

Let’s say you paid for 6 months of Erie auto insurance upfront. You decide to cancel your policy after the third month because you found better rates. In this situation, Erie refunds the final three months of your policy and cancels insurance on your desired date without penalty. You receive a refund on the three months of auto insurance you did not use.

Or, if you already paid your monthly auto insurance premium and canceled your policy soon after, then Erie should refund those premiums.

Activate Your New Policy Before Canceling the Old Policy

If you’re switching from Erie to another provider, then make sure to activate your new policy before canceling your old one. Otherwise, you could have a lapse in coverage.

Your new car insurance policy needs to start on the date your old policy ends.

If you canceled your Erie auto insurance policy on May 1, for example, then your new policy needs to start on May 1 to prevent a lapse in coverage. Some people incorrectly start their policy on May 2, only to have a one-day lapse in car insurance coverage.

Before canceling your Erie insurance policy, be sure to activate your new policy.

Other Things to Consider Before Cancelling your Erie Insurance Policy

No matter why you’re canceling your Erie insurance policy, there are things to consider before you cancel, including:

Make Sure to Avoid a Lapse in Coverage: Insurance lapses could leave you dangerously uninsured for a brief period. Insurance lapses could also lead to driver’s license suspension and higher future insurance premiums. If you’re switching to a new insurer after Erie, make sure you activate your new policy on the date your Erie insurance policy ends to avoid any lapse in coverage.

Avoid Extra Costs and Fees: Some people buy new insurance without canceling their Erie insurance policy. Others don’t line up the cancellation and activation dates, leaving them doubly insured unnecessarily. Make sure to avoid extra costs and fees when switching insurance providers.

Plan in Advance: In most cases, you can call Erie and cancel your insurance policy immediately. However, the company may require written or faxed notice of cancellation, which could require additional planning.

Check Discounts: Erie and other insurance companies provide loyalty discounts. The longer you stay with a provider, the more you can save. You’ll lose these loyalty discounts when switching away from Erie. Make sure your new insurer offers similar discounts or competitive prices to match the discounts you’re losing when switching away from Erie.

Confirm Pricing with New Insurer: Some insurers dazzle you with low quotes, only to surprise you with hidden fees and other charges. If you’re switching to a new provider because they’re cheaper than Erie, then confirm pricing upfront. Get a custom quote based on your driving history and demographics to ensure you’re making the right move.

How to Confirm Cancellation

Erie should send you a notice of cancellation within two weeks of your request.

If you have not received a notice of cancellation, or if you’re unsure you canceled your policy, call the company to verify the cancellation.

Final Word on Canceling Erie

Erie is a popular and well-rated car insurance company serving customers in 12 states, including Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, Wisconsin, and Washington, D.C.

To cancel your Erie auto insurance policy, call the company today. You cannot cancel your Erie auto insurance policy online.

No matter how you cancel your Erie policy, however, you’ll pay zero cancellation fees.

James Shaffer
James Shaffer James Shaffer is a writer for InsurancePanda.com and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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