A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Jan 14, 2022

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Here's what you need to know...

  • Car insurance companies can drop a driver’s policy for any or no reason during the probationary period
  • When the probationary period ends, the insurance company must provide a reason
  • Driver’s must find a new policy if their insurance is cancelled
  • A comparison tool can help with finding a new car insurance policy

Your car insurance company has the right to cancel your car insurance for any reason or not reason at all. However, if you pay your premium on time and do not get convicted of traffic or moving violations, it is unlikely your insurance company would cancel you. If you are concerned about the stability of your car insurance, you can use a comparison tool to find a policy with a different insurance carrier. Start comparing car insurance rates now by using our FREE tool above!

Probationary Insurance Periods

When you first purchase an auto insurance policy, you are given a probationary period. Most states, including Maine and Virginia, allow for a 60 day probationary period. During your probationary period, you can be cancelled for any reason. After the initial 60 days, the insurance company must notify you prior to canceling your policy, and they must give you a reason.

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Non-Renewal or Cancellation

Car insurance companies can choose not to renew your policy, or they could choose to cancel your policy. Non-renewals occur at the end of your current policy. In this instance, the insurance company must notify you prior to the end of your policy. In New York, insurance companies are required to notify policy holders 45 to 60 days before the end of the policy, and they must provide a reason.

A cancellation can occur before the end of your policy.

Cancellations usually occur for a reason, and the insurer must give you notice prior to the cancellation date in writing. The exact times vary, according to the state. In West Virginia, insurance companies must provide written notice of the impending cancellation at least 30 days before the cancellation date, and they must provide a reason.

  • Car insurance companies can cancel you at any time during your probationary period
  • After your probationary period ends, you must be given notice of any cancellations or nonrenewals of your policy
  • A comparison tool to find a new car insurance policy

Common Reasons Insurance Policies Are Cancelled

There are certain things you can do to help ensure your policy does not get canceled, including paying your premium on time, obeying the traffic laws and not driving after consuming drugs or alcohol. Certain states, like Kentucky, offer drivers a comprehensive list of infractions that may result in their car insurance policies getting canceled.

What to Do if You Get a Cancellation Notice

When you get a cancellation notice in the mail, it is important to read that notice to make sure your insurance isn’t being cancelled for discriminatory reasons. If it is or you believe your policy cancellation is discriminatory, you may be able to appeal. Next, check the cancellation date. Your insurance company must provide you with adequate notice, according to your state’s insurance laws. In Kentucky, the insurance provider must state the reason in your letter or provide you with contact information where you can retrieve the information. They should also provide directions for appealing the decision.

  • Read the cancellation notice
  • Contact your current insurance company
  • Appeal if you feel the cancellation is unfair or against the insurance regulations in your state
  • Avoid a lapse in your car insurance by using a comparison tool to find a new policy

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Finding a New Insurance Policy

Having a car insurance policy canceled can make you wary of purchasing a new policy. Will you be denied or canceled again? Fortunately, most states, like Massachusetts, have created car insurance bills of rights that protect buyers. These documents typically state that you can get multiple quotes from several different car insurance companies, and you have the right to purchase a new insurance policy.

When you go to purchase your new insurance policy, you have the right to not be discriminated against due your race, religion, geographical location or age among other protected statuses.

If your application for a new car insurance policy is denied, you have the right to request a letter explaining exactly why your application was denied. If you believe you were unfairly denied, you can file an appeal.

  • Valid car insurance is required to drive legally
  • It is your right to be able to purchase a new car insurance policy
  • You cannot be discriminated against
  • You can file an appeal if your application is denied
  • You can get multiple car insurance quotes by using a comparison tool

Using a Comparison Tool to Find and Purchase a Car Insurance Policy After a Cancellation

It is your right to obtain as many car insurance policy quotes as you need in order to make an informed decision and purchase a car insurance policy at the lowest possible price. During this process, you can use a car insurance comparison tool to help you find a new policy.

Once you input your information, the tool will search through all the available policies within its database and show you the policies that best match your inputs.

When you receive these policies, you should review them thoroughly to determine their coverage limits, any exclusions or special clauses and the prices. Once you find a policy that fits your budget and your needs, you can generally purchase that policy online.

  • A comparison tool can help you find a new policy
  • Entering accurate information will return the best results
  • You should review each policy to make sure it meets your needs
  • Car insurance policies can typically be purchased online

If you receive a car insurance cancellation in the mail, you should read it thoroughly to determine why your insurance is being canceled and when your current insurance policy ends. It is your responsibility to have a new insurance policy in place by the time your current insurance is canceled. A comparison tool can help you find a new policy so that you can avoid a lapse in your coverage. Enter your zip code in our FREE tool below to compare car insurance rates now!