How to Cancel Ameriprise Auto Insurance in 2025 (6 Easy Steps)

Learning how to cancel Ameriprise auto insurance starts with securing new coverage to avoid a lapse. It also involves reviewing terms, contacting support, and submitting documentation.

Even with rates starting at $30 per month, switching providers could still save you more. For more details, check out our guide to Ameriprise auto insurance discounts for members.

Following these steps helps avoid penalties, coverage gaps, and higher future premiums. You can also enter your ZIP code into our free comparison tool to compare rates now.

Steps to Cancel Your Ameriprise Auto Insurance Policy

Step #1: Find New Coverage

Confirm that you have obtained new auto insurance before you cancel your policy with Ameriprise. Losing coverage, even for just one day, can result in penalties, higher future premiums, or other legal trouble. Get rates, shop around and, lock in your new coverage.

Auto Insurance Monthly Rates by Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$61	$160
	$44	$117
	$53	$139
	$30	$80
	$68	$174
	$44	$115
	$39	$105
	$33	$86
	$37	$99
	$42	$135

This overview compares monthly auto insurance rates from various providers. Geico offers the lowest minimum coverage at $30, while Liberty Mutual is the highest at $68. When it comes to full coverage auto insurance, Allstate is the most expensive at $160, with Geico again providing the lowest rate at $80.

American Family, Farmers, Nationwide, Progressive, State Farm, Travelers, and USAA are among the other providers. Their rates vary depending on the coverage levels chosen. If you haven’t registered for online access, you must create an account and provide your policy number and other personal information.

Step #2: Review Policy

To get immediate proof of your car insurance policy online, log into your insurance provider’s online account portal. All insurance companies will have a secure website or mobile app where you can access your account. Have your login credentials ready.

This is important because you will need your policy documents, including your proof of insurance, which are often downloadable or printable. Discover how to choose an auto insurance company.

Step #3: Contact Customer Service

Log in to your account and find your auto insurance policy details. Depending on the provider, this is typically called “Policies,” “Documents” or “My Account.” This is where your everything document-related to your policy can be found, with coverage details, payment history, even your proof of insurance.

Being familiar with this section will help you quickly locate and review important details, making finding the exact document you need quicker, especially your proof of insurance. Find out more about what an auto insurance policy looks like.

Step #4: Prepare Documentation

In the policy section, you should see an option to view or download your proof of insurance, usually called “ID Cards” or “Proof of Coverage.” This document is proof of your insurance and is generally required when registering your vehicle or in the event of a traffic stop.

By selecting this option, you can view a digital version of your insurance card. This is a convenient way to access proof of coverage instantly without waiting for a physical card to arrive in the mail. Find out if you need proof of insurance to buy a car.

Step #5: Submit Written Notice

Once you have located your proof of insurance, download or print it. Many insurers’ apps will allow you to retrieve a PDF version of the document that you can download to your smartphone or computer. You can always pull it up on the website and print it directly for a physical copy.

Whether from a printout or downloaded copy, you will have proof of coverage on the screen to show, if necessary, that it is available even in a place without an internet connection. Find out how to check if a vehicle has auto insurance coverage.

Step #6: Verify Cancellation

After downloading or printing your proof of insurance, the last step is to store it where you can access it easily. It may be easy to store it on a smartphone or print it and keep it in your glove compartment.

This step is essential because you will need proof of insurance in several scenarios, under various circumstances, like during a traffic stop or when you’re in an at-fault accident. A readily available copy ensures you’re always prepared to present it when necessary.

Good Reasons to Cancel Your Car Insurance

Drivers cancel Ameriprise auto insurance for high rates, lousy service, or lack of need. Here are some common reasons to keep in mind.

Finding Lower Rates

Many cancel Ameriprise auto insurance to find lower premiums elsewhere. Rates vary by age, driving record, location, and more. Knowing the types of auto insurance can help you choose a policy that suits your needs and budget.

It is worth comparing quotes if your current rate feels high or no longer fits your budget. Many top insurers offer minimum coverage starting at $30 per month. Changing providers may also give you access to other discounts, such as safe driving, bundling multiple policies, or adding safety features to your vehicle.

For example, you can save on your monthly premiums by calling your insurance company, canceling your current policy, and selecting a cheaper one.

Dissatisfaction With Service

Many drivers cancel Ameriprise auto insurance due to poor customer service, unclear claims handling, or billing issues. Knowing how to manage your auto insurance policy may not resolve ongoing frustrations.

Inflexible coverage options can also cause dissatisfaction when other insurers offer more modern services, such as changing coverage in real-time via a mobile app.

Over time, these issues can reduce trust and confidence, prompting policyholders to seek an insurer that delivers more transparent communication, better service, and more reliable support.

No Longer Owning or Driving a Vehicle

Canceling your Ameriprise auto insurance to avoid paying for coverage you’re not using is a good idea if you’ve sold your car or stopped driving. There are options, such as the best parked car insurance, it is likely not worth the outlay if your vehicle is missing or permanently laid up. Ultimately, it is a personal decision based on your needs, budget, and plans.

Whether you are switching to a more affordable provider, have customer service concerns, or no longer need insurance, knowing your options will make the transition go smoother. Just be sure to get coverage elsewhere if you need to avoid gaps or penalties.

Risks of Canceling Ameriprise Auto Insurance

Learn the risks of canceling your Ameriprise auto insurance. Inadequate planning can lead to legal issues, extra costs, or gaps in coverage.

• Coverage Lapse Penalties: Canceling your Ameriprise auto insurance without a new policy can cause a coverage lapse, leading to fines, license suspension, or vehicle impoundment based on state laws.
• Higher Future Premiums: Gaps in coverage can lead to higher rates or being labeled high-risk, which may require high-risk auto insurance.
• Loss of Policy Discounts: Canceling your policy may result in losing long-term discounts, multi-policy savings, or bundling benefits, which might not be reinstated if you return later.
• Uninsured Liability Risks: If you cancel your insurance and keep driving without a new policy, you’re responsible for any damages or injuries, which could lead to significant out-of-pocket costs or lawsuits.
• Difficulty Securing New Coverage: A history of canceled policies or coverage gaps can lead to challenges with being approved for a new policy. Insurers can raise rates or limit your choices.

Terminating your auto insurance may sound like an easy decision, but it can have costly and long-term consequences if not done correctly.

Always make sure you get a new policy before you cancel your coverage to protect your finances, driving record, and potential future insurability.

Smoothly Canceling Your Ameriprise Auto Insurance

Review the terms of your policy to understand how to cancel Ameriprise auto insurance, and be sure a new policy covers you before starting a cancellation. You may receive a refund for any unused premium if you cancel your comprehensive auto insurance.

They offer various auto insurance products, including liability, collision, and comprehensive coverage, often with discounts for Costco members.

Stop overpaying for your insurance by entering your ZIP code below to find the lowest rates in your area.