To cancel your Nationwide car insurance, you need to contact them directly by phone or through your agent. The most important step is to have your new policy active before canceling the old one to avoid a lapse in coverage, which can lead to higher future premiums. You can call Nationwide's customer service at 1-877-669-6877 or contact your local agent to initiate the cancellation. The process is straightforward, but timing and proper documentation are key to a smooth transition.
The refund you receive depends on how you paid your premium. If you paid in full upfront, you'll get a pro-rata refund for the unused portion of your policy term, minus any applicable fees. If you pay monthly, you'll likely just stop getting billed. Nationwide may charge a small cancellation fee, so it's best to ask about this upfront. Always request a written confirmation, like an email or letter, stating the effective date of cancellation.
Here’s a breakdown of the typical outcomes based on your cancellation timing:
| Cancellation Scenario | Refund Type | Likely Fees | Important Considerations |
|---|
| Mid-policy term with a paid-in-full premium | Pro-rata refund | Possible flat fee (e.g., $25-$50) | Avoid a coverage gap; have new policy first. |
| Near policy renewal date | Minimal or no refund | Less likely | Confirm cancellation date is after new policy starts. |
| Switching insurers mid-month | Pro-rata refund | Possible flat fee | Your new insurer often handles the cancellation. |
| Policy cancellation for non-payment | Usually no refund | N/A | This negatively impacts your insurance score. |
| Moving to a state where Nationwide doesn't operate | Pro-rata refund | Often waived | Called a "mid-term cancellation," usually simpler. |
After canceling, follow up with your state's Department of Motor Vehicles (DMV) if you're also suspending your vehicle's registration. You may need to submit an SR-22 or other form to prove financial responsibility. Keep all cancellation documents for your records.
