How to Cancel Your Car Insurance Policy with National General in 5 Easy Steps (2024)

You can cancel your policy with National General at any time, but you may have to pay a cancellation fee.

Angela Brown
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Konstantin Halachev
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Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated June 28, 2023

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National General Insurance operates as part of the Allstate brand. The company’s origins reach back to 1920, when it first offered auto insurance. Today, National General sells a range of insurance products, including home, auto, and recreational vehicle policies.

You might choose to cancel your current insurance policy for many reasons. For example, drivers who no longer qualify as high-risk may be able to find more affordable rates elsewhere. Here’s what you should know about canceling your policy with National General.

Quick Facts
  • To cancel your auto coverage with National General, call 1 (888) 293-5108 or speak with your local agent.

  • National General may charge a fee if you cancel your policy before your renewal date.

  • You may be able to save money on a new policy by comparing rates from multiple insurers.

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How to cancel National General car insurance

You have the right to cancel your auto policy at any time, for any reason.[1] Common reasons customers choose to cancel their policy include finding lower rates elsewhere, no longer needing the coverage, or simply wanting to switch to a different company. If you want to cancel your policy with National General, follow these five steps.

1. Check your policy renewal date

Look at your policy to determine when your current coverage ends. In most cases, you can cancel your current policy without fees or extra charges if you simply decline to continue your coverage. A little extra planning can help ensure you don’t experience a lapse in coverage, which could be costly in the event of an accident or if you’re pulled over for a traffic violation. Nearly all 50 states require at least liability coverage on a vehicle.[2] If you cancel your policy early without having a new one in place, you risk a fee or a ticket for not having proper insurance coverage.

Learn More: Minimum Car Insurance Requirements by State

Learn More: Minimum Car Insurance Requirements by State

2. Compare car insurance quotes

Before you cancel your auto insurance policy with National General, you want to have new coverage lined up. If you no longer plan to own a vehicle, you may still want to consider a nonowner policy for protection when you drive a rental or another person’s vehicle.

When shopping for a new policy, compare rates from multiple insurance companies. Rates vary between companies — sometimes widely — so doing a little extra research can really pay off. Make sure to consider both large and small companies. Smaller companies can often provide more coverage or more personalized customer service than large national insurers.

3. Enroll in a new car insurance policy

Once you’ve chosen your new company, you need to enroll your vehicle. Many companies provide online, in-person, and over-the-phone enrollment options.

Make sure you know what type of policy you want to purchase before beginning the enrollment process. While liability-only coverage typically comes with the lowest rates, you may be able to get full coverage or bundle policies (like home and auto) at a similar rate by choosing a different company.

4. Cancel your policy with National General

You should only cancel your policy with National General once you’ve secured new coverage. Ensuring you have coverage before canceling will protect you against potential fines and financial losses if you’re in an accident.

National General doesn’t provide clear instructions for canceling insurance coverage on its website. To cancel your policy, you’ll need to call National General at 1 (888) 293-5108 or speak to your local agent.

5. Confirm cancellation

If you haven’t received notification about your cancellation within a few days, contact National General’s customer service for confirmation. If you cancel over the phone, the representative may provide a confirmation number. Keep this information in a safe place in case any issues arise later.

You may qualify for a refund on some or all of your policies, particularly if you cancel before your renewal date. If you’re expecting a refund, follow up if you haven’t received it within two to four weeks.

Does National General charge cancellation fees?

National General’s terms and conditions say that you may be charged a fee if you cancel your policy before its renewal date. You can learn more about the cancellation fee by speaking with a customer service agent.

Keep Reading: Car Insurance Claims Process: What to Expect and How to File a Claim

Keep Reading: Car Insurance Claims Process: What to Expect and How to File a Claim

National General car insurance costs vs. other insurance companies

The cost of auto insurance can vary widely based on numerous factors, including:[3]

  • Driving history

  • Age

  • Location

  • Credit score

  • Type of vehicle

  • Average number of miles traveled

You can proactively help lower the cost of your coverage by maintaining a good credit score, avoiding driving violations and accidents with safe driving practices, and looking for discounts through your employer and specialty programs. Purchasing a vehicle with a high safety rating and extra safety features may also help lower your rate.

You can see what some other insurance companies charge for liability-only and full-coverage insurance compared to National General.

Insurance Company
Average Monthly Quote: Full Coverage
Average Monthly Quote: Liability Only
National General$240$132
Auto-Owners$109$76
USAA$152$106
Travelers$172$131
State Farm$175$125
GEICO$178$125
Nationwide$182$167
Allstate$212$146
American Family$227$158
Direct Auto$231$194
Progressive$238$161
Liberty Mutual$284$198
Farmers$317$218
The General$451$259
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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National General car insurance FAQs

Finding the right car insurance for your needs ensures you and your family are protected if the unthinkable happens. If you’re thinking about canceling your National General insurance policy, this additional information may help.

  • Can you cancel your coverage with National General at any time?

    Yes. You can legally cancel your auto insurance at any time. However, you may face a cancellation fee if you cancel your policy before your renewal date. You also risk fines and financial loss if you don’t have a new policy in place before you cancel your National General policy.

  • How long does it take to cancel your policy with National General?

    The length of time it takes to cancel your policy may vary. Requesting the cancellation of your policy should only take a few minutes over the phone. Make sure to keep track of any confirmation numbers in case you need to refer back to them later.

  • Can you cancel your National General Insurance policy online?

    No. To cancel your National General policy, you must call the company at 1 (888) 293-5108.

  • Does National General charge a cancellation fee?

    Probably. If you cancel your National General auto policy before your coverage renews, National General may charge you a fee. You can avoid this fee by keeping track of your renewal date and allowing plenty of time for your cancellation to process.

  • Do you need a new car insurance policy before you cancel your policy with National General?

    Yes. In most states, it’s illegal to drive without insurance coverage. A lapse in coverage could result in fines from the state where you are licensed to drive. Additionally, you won’t have any financial protection if you’re in an accident.

Sources

  1. National Association of Insurance Commissioners. "A Consumer's Guide to Auto Insurance."
  2. Insurance Information Institute. "Automobile Financial Responsibility Laws By State."
  3. Insurance Information Institute. "What determines the price of an auto insurance policy?."
Angela Brown
Angela Brown

Angela Brown is a freelance writer with 17 years of professional writing and editing experience.
She specializes in finance, real estate, and insurance content. Angela uses her experience to
create easy-to-understand content that helps consumers understand tough topics better. When
she’s not working, she enjoys spending time with her family and planning vacations.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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