If one cancels their insurance policy early during their prepaid coverage period are insurers supposed to credit/reimburse the prorated amount actually utilized of their coverage?

I'm looking to change insurers to find a better rate but for the time it's more convenient to stick with my current insurer for a policy renewal that's right around the corner. In other words I don't have the luxury of time to research policies and need to be covered during that research period. I'm hoping I can renew the policy, and then jump ship early on to a more competitive insurer. Are there any gotchas to doing so, fees to be paid, or any other surprises one might expect that would result in a lesser than prorated amount? Is this true for most forms of insurance?

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    We always got reimbursed for the unused portions of paid insurance premiums, and there were never any termination fees or other gotchas. This is an anecdote, though, not data. – RonJohn Feb 15 '20 at 6:20
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    All auto insurance law in the United States is done at the state level. Please specify the state, because some states may have a time limit, or notice period that others do not have. The state could also specify an administrative fee they can charge, or they might not have a fee at all. – mhoran_psprep Feb 15 '20 at 12:25

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