You can cancel your auto insurance anytime regardless of your reasons, but you will need to give proper notice in advance. The charges you will have to pay for earlier canceling will depend on many factors (your type of coverage, how long you have left, etc.)
There are various reasons for you to take this action. Moving to another state (with different laws), leaving the country, or in case you are not satisfied with your current insurance company.
Anyway, the process is easy, as long as you choose the right one. Regardless of why or how you cancel your car insurance, make sure to keep an eye on your mail for a confirmation letter.
The best time to switch insurance companies is at renewal time.
Do it personally: Eye to eye communication is often the right one and it is also the common occurrence at all agencies. Go to your agent’s office and sign the cancellation form that you will be given. You should really try to decline them politely, in case they try to persuade you to stay.
Call in to cancel: It is proven that calling in is the fastest way to notify the company of your cancellation, but keep in mind that a signature is required for almost every agency. It is always a good idea to call in, just to inform them about your cancellation and if it is required you can go additionally to sign the cancellation form.
Ask your new insurance company to assist with the transition: If you decide to cancel your car insurance and switch to another one, this is a great way to do it. You will avoid any awkward situation with your ex-insurance company and the chances that they will do it faster, are pretty big.