Can I cancel my car insurance at any time?

In short, yes – you can cancel your car insurance with us at any point during your policy period. But, there are a few things to remember if you’re thinking of leaving us (and we hope you don’t!).

  • Your policy must be in good standing. If you owe us a missed payment, you need to pay the full outstanding amount before you can cancel your car insurance with Sonnet.
  • You could be charged a penalty. Many insurance companies – including Sonnet – apply what’s called a short rate cancellation fee if you cancel mid-policy. The amount charged depends on where you are in your policy term – typically, penalty fees go down the closer you are to your renewal date.
  • You’ll lose your Accident Forgiveness (if you qualify for it). If you have Accident Forgiveness with Sonnet and you’ve had an at-fault accident, it means we didn’t count your claim at renewal – which insurers normally do. If you change your insurance, your new provider will rate for that at-fault accident – your accident forgiveness doesn’t carry over. So, don’t be surprised if you see higher premiums when quoting with different providers!

Have more questions about cancelling, or your renewal? Just reach out via email or chat – we’re here to help. You can also check out our Renewal and Cancellation FAQs for quick answers to common questions.