How to Cancel 21st Century Auto Insurance

Cancelling your 21st Century car insurance is simple. Read on for a step-by-step guide to walk you through the process.

UPDATED: Jul 11, 2022Fact Checked

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Jul 11, 2022

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A Concise Overview

  • You can cancel a current 21st Century auto insurance policy by mail, email, or fax but not by phone
  • A new policy and renewals can be canceled over the phone
  • You may get a refund if you’ve paid for your policy in advance

There are many reasons you may need to know how to cancel your 21st Century auto insurance policy. For example, you may have found a better quote from another insurance company than your 21st Century auto insurance quote, or you’ve sold your vehicle.

Whatever the reason, canceling coverage is simple, but you may be charged a fee for ending your policy early. If your policy ends soon, it may be cheaper to wait and change insurers when it’s time to renew.

Although you can cancel any time, you will need to have other coverage before you do. Knowing how to switch car insurance companies correctly will save you time and trouble.

First, determine when your policy expires and if a cancellation charge applies. Then, shop around before canceling your 21st Century auto insurance. Finally, compare multiple companies to find the best coverage with the lowest rates. 

Keep reading to learn the correct steps to cancel 21st Century auto insurance. 

What are the ways you can cancel 21st Century auto insurance?

Although 21st Century allows you to cancel your auto insurance at any time, there are only a few ways to cancel. In addition, you may be charged a cancellation fee for ending your policy early.

You can’t cancel your 21st Century auto insurance policy over the phone unless it’s a new policy that hasn’t begun yet. For example, if your start date is next week, you can cancel your policy over the phone since it hasn’t gone into effect.

You can also let 21st Century know over the phone that you don’t want to renew your policy and avoid a cancellation fee. This is one of the easiest ways to switch auto insurance companies.

You can cancel your current auto insurance by mail, email, or fax by contacting 21st Century insurance customer service. 

The mailing address to cancel your auto insurance policy is as follows:

21st Century Insurance
PO Box 15510
Wilmington, DE 19886-9252

The 21st Century email address is [email protected] The fax number to cancel your policy is 1-866-447-2611 if you don’t live in California. California residents need to fax their cancellation request to 1-800-842-3057.

If you cancel by email or fax, it can take two business days to process. However, if you cancel by mail, it can take up to seven business days to process.

You must provide this information to cancel:

  • Name of the policyholder
  • Address of the policyholder
  • Policy number
  • Cancellation date

If you have questions about the cancellation policy, you can call 21st Century’s customer service phone number at 1-800-241-1188. Customer service hours are Monday-Friday, 7 a.m.-7 p.m., and Saturday, 8 a.m.-6 p.m. PDT.

A customer service representative can answer any questions you may have. They will also walk you through the cancellation process.

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What are the steps to cancel 21st Century car insurance?

Before you cancel your auto policy, speak with 21st Century to see if the company can make changes to keep you as a customer. You may be able to get lower 21st Century auto insurance quotes if you change your policy.

For example, if you’re leaving because your rates are too high, there may be ways to lower your costs. You could add discounts such as a safe driver discount, lower coverage, and increase deductibles to reduce costs and lower your 21st Century insurance auto quote.

If you sold your vehicle and plan to get a new one, simply transfer your coverage to the new car.

Fortunately, you can cancel your 21st Century auto insurance anytime for any reason. However, it’s easier if you cancel at your renewal. In addition, if you cancel your auto insurance before you renew, you may get a refund if you prepaid for your policy.

You can also cancel your policy before it begins or in the middle of your term.

These are the steps to canceling your 21st Century insurance:

  • Check your renewal date. If your policy renews soon, it might be easier to cancel your policy then. You can also avoid a cancellation fee.
  • Shop around for new coverage. Each auto insurance company will charge different rates, so compare coverages and rates from multiple companies for the best deal.
  • Get your new auto insurance coverage in place. You need to know when your new coverage will begin. 
  • Cancel your 21st Century coverage. Make sure the cancellation date is on or after the start date of your new policy to avoid a costly lapse in coverage.
  • Follow up with 21st Century. Verify your policy cancellation and follow up on any refund you might be due.

While it’s easy to change insurance companies, be aware you may lose money in some cases. For example, you may lose your loyalty and other discounts by leaving 21st Century.

Each insurance company offers different discounts. By changing companies, you may lose valuable savings through 21st Century. This will result in a higher 21st Century insurance quote if you choose to return in the future.

How to Cancel 21st Century Auto Insurance: The Bottom Line

Depending on the stage of your policy, you may be able to cancel over the phone. However, 21st Century Insurance typically wants a written cancellation by mail, email, or fax. If you have a new policy that hasn’t begun or is up for renewal, you can cancel over the phone.

Canceling your 21st Century auto insurance can be done at any time. However, the company can charge a fee if you cancel your policy before it expires.

The most important thing to remember is that you must have new coverage in place before you cancel your old auto insurance policy. 

Driving without insurance can lead to fines, having your driver’s license suspended, and even jail time. In addition, you may have to contend with high insurance rates when you do find coverage. Simply paying attention to the start date of your new policy and the cancellation date of your old policy can allow you to avoid a costly mistake.

If you are only canceling your car insurance because of the price, look for discounts or lower your coverage to reduce your rates. If you’ve sold your car, transfer your 21st Century car insurance to the new vehicle instead of getting a new policy.

When you’re ready to cancel coverage, you can find affordable auto insurance by shopping around. Look at rates and discounts from multiple companies to find your best deal.

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