Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jan 4, 2021

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • You can cancel The Hartford auto insurance at any time
  • You can cancel by mail, phone, or in-person with your agent
  • If you have paid in advance, you may receive a refund for the unused portion
  • Depending on what state you live in, you may be charged a 10 percent fee for canceling before your policy ends

There are many reasons you may need to know how to cancel your The Hartford auto insurance, such as finding a better rate elsewhere or selling your vehicle.

No matter why you need to know how to cancel auto insurance, canceling your policy with The Hartford insurance company is relatively easy. It’s also a great time to shop around for auto insurance.

Before you learn how to cancel The Hartford auto insurance, enter your ZIP code to compare quotes with your The Hartford auto insurance rates to find the best deal.

How do you cancel your The Hartford auto insurance?

When you are ready to cancel your policy with The Hartford, you can call, mail a letter, or see your agent in person. The best way to cancel your policy is up to you.

Even though there is a The Hartford website and app, you can’t cancel your policy online or through the app.

Step 1: Verify your The Hartford renewal date

Check with your current company to see if you need to wait until your policy ends to avoid fees.

Step 2: Compare car insurance quotes

Step 3: Find a new car insurance policy

What’s the best time to switch your car insurance policy? It depends. Before you cancel your policy with The Hartford, there are some things to consider.

There is no rule for how many times you can switch auto insurance companies. Although it’s not bad to switch companies, some car insurance companies will offer you a loyalty discount to stay.

You can generally switch car insurance companies anytime you would like, but be aware that you may face fees or penalties for doing so in the middle of your policy.

If you are considering switching your auto insurance company, use these simple steps to make the process easy:

  • Find out what auto insurance your state requires you to carry
  • Contact the auto insurance company you wish to cancel, go through the proper procedures, and make sure your new policy is effective before your cancellation date

We can’t stress enough how important it is to not let your coverage lapse. Driving without auto insurance is illegal in most states and can lead to fines, having your driver’s license suspended, and possible jail time.

In fact, the Insurance Information Institute reports that in 2015 around 13 percent of drivers were uninsured. Driving uninsured not only puts you at risk for legal trouble, it also means you will be financially responsible for any damages if you cause an accident.

If you are unhappy with your car insurance policy with The Hartford, shop around for a better deal. Not all companies will charge the same for the same coverage so compare rates with your The Hartford auto insurance quote.

Step 4: Cancel your The Hartford policy

You need to have the following information ready however you choose to cancel:

  • Name, address, phone number
  • Policy number
  • When you would like your policy to end

Once you have your information together, you can call 877-896-9320 for regular policyholders or 800-423-6789 for AARP members.

You can also mail your cancellation letter to either address depending on what type of policyholder you are. AARP member should send their cancellation letter to:

AARP Insurance Program
The Hartford
PO Box 14219
Lexington, KY 40512

Regular policyholders send their letter to:

The Hartford Personal Lines
The Hartford
PO Box 14219
Lexington, KY 40512

Step 5: Follow up on your refund

No matter how you cancel, you will want to speak with someone to ask about any refund or fees that are due.

To learn more, read out The Hartford auto insurance review.

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Frequently Asked Questions

When can you cancel your The Hartford auto insurance?

You can cancel The Hartford auto insurance at any time. If you’ve paid in advance, the unused portion of your payment will be returned.

Are there cancellation fees with The Hartford auto insurance?

That depends on where you live. A 10 percent cancellation fee applies in certain states so contact your agent before you cancel to see if you will be charged.

Should you adjust or cancel your The Hartford auto insurance?

If you are simply moving to another state, you can just change your address. There’s no need to cancel.

The same is true if you want to add or remove a driver or change your coverage and deductibles.

However, if you are unhappy with The Hartford service or find a cheaper car insurance rate elsewhere, it might be time to cancel your policy.

Now that you know how to cancel The Hartford car insurance, enter your ZIP code to compare quotes today.