Will I Get A Refund If I Cancel My Car Insurance? 
While of the `` unearned '' premium should be returned when you cancel your car insurance , it would be important to know why you are cancelling your car insurance.If there are no other cars in your household and you are not considered an insured on another comparable auto insurance policy , you may wish to consider `` Non-owned Auto '' coverage . This type of policy covers you for liability and physical damage while you are operating a car you do not own -LRB- borrowed , rented , etc. -RRB- and may provide uninsured/underinsured coverage to you when you are a pedestrian or riding in someone else 's vehicle . Not owning a car does not mean you no longer have an auto related exposure . 