To cancel a Progressive insurance policy, call (866) 416-2003 to speak with a customer service representative and arrange for the cancellation to take effect immediately or at a future date. You can’t cancel Progressive insurance online, but you can cancel over the phone at any time. Just remember to purchase a replacement insurance policy that takes effect prior to cancellation in order to avoid a lapse in coverage, if you plan to continue driving.
How to Cancel Progressive Auto Insurance
- Call (866) 416-2003 and follow the prompts to speak to a representative.
- Provide the date you want the cancellation to go into effect.
- Pay any necessary cancellation fees.
- Confirm that you receive a refund for unused premiums.
Progressive says you will be refunded the money you paid in advance for coverage you won’t use. Unfortunately, they don’t give details about how they pro-rate refunds or whether they charge any cancellation fees.
Progressive Insurance Cancellation Fees
Customers report a range of experiences with Progressive’s cancellation fees. Some were charged 10% of their outstanding premium, while others paid a flat rate of $50 to $65. Many say they paid no fees at all.
The amount you have to pay to cancel Progressive insurance coverage depends on a few factors, like state laws where you live, how far into the policy term you are, and how often you pay your premium. Check your Progressive policy or speak with customer service to confirm what fees (if any) you’ll have to pay before you cancel.
How to Decide When to Cancel a Progressive Insurance Policy
It’s a good idea to shop around for car insurance and compare quotes from different companies. But make sure you don’t lose more in fees by switching policies mid-term than you gain in lower premiums.
It’s usually easiest to wait until the end of your policy period to switch insurers—just make sure you have a new policy in place before you cancel with Progressive. Driving without insurance can have serious consequences, and a lapse in coverage of any length can make future rates more expensive.
To learn more, check out reviews and other information about Progressive on WalletHub.
This answer was first published on 05/12/23 and it was last updated on 01/09/24. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
FAQs
Can I cancel my Progressive policy online? Auto policies can't be cancelled online, but you may cancel your policy over the phone, by mail, or via email.
How long until Progressive cancels insurance? ›
Auto insurance companies are required by state law to provide notice before cancelling your policy. Depending on the state, you'll usually have between 10 and 20 days. Your company will notify you by mail or email before cancelling your coverage.
Do I need to cancel my car insurance before switching? ›
Cancel your old auto insurance policy
After you purchase a new policy, you should immediately contact your former insurer and cancel your old policy. You'll receive a refund for car insurance for any unused portion of your policy, subject to any cancellation fee your insurer may charge.
How do I cancel my insurance plan? ›
You can contact your current health insurance company directly if you're canceling a privately purchased plan. Your health insurer's phone number is on your policy, health insurance card, and premium bills. Health insurance carriers may allow you to cancel over the phone.
Is there a penalty for cancelling Progressive? ›
Is there a fee for cancelling Progressive? This varies by state and when you purchased the policy. In some states, Progressive will charge a $50 cancelation fee if you cancel within your first term; meaning your policy has not yet renewed. Once the policy has renewed there will no longer be a cancellation fee.
Are you penalized for canceling insurance? ›
Cancellation fees: Some car insurance companies charge cancellation fees, usually $50. In other cases, they could charge you a small percentage of your final premium that you were going to pay in the future. The majority of the time, you will not have to pay a cancellation fee.
What happens if I just cancel my car insurance? ›
Generally, insurers will refund you the money for the unused portion of your policy, assuming you paid in advance. However, depending on your state, and when you cancel, your insurer may charge a cancellation fee.
Is it hard to cancel auto insurance? ›
Once you secure new coverage, you can cancel your existing policy. Insurance companies have different rules for how to cancel, but typically you start things off with a phone call. Your insurance agent might also ask you to submit a request for cancellation in writing for the company's records.
Do you get a refund if you switch insurance companies? ›
Switching insurance companies
If you switch car insurance companies and find better rates with a different insurer, you may want to cancel your existing policy before it expires. In this case, if you switch insurance companies you can get a refund. Depending on your insurer, you may have to pay a cancellation fee.
What is a good reason to cancel insurance? ›
Reasons to consider canceling your insurance policy:
You believe you're paying too much for insurance. Your business has changed, and you need different coverage. You're moving out of state, and your current insurer doesn't offer policies in your new location. You're unhappy with the service your insurer provides.
Sample Insurance Cancellation Letter
I'm writing to seek termination of my insurance policy, which will take effect on [enter cancellation date]. I'd appreciate it if you could provide me formal confirmation of the cancellation within the next 30 days.
How do I notify insurance of cancellation? ›
The phone number likely will be found on your insurance card, as well as on the company's website or app. This is often the quickest method, although you still may have to sign a cancellation notice or other documents to make it official. Mail or fax your cancellation.
How long after your insurance is Cancelled? ›
You'll usually have 10 to 20 days between the date of the cancellation notice and the date you are no longer covered. The exact amount of time differs by state. After that, your insurance will officially lapse and you'll no longer be able to drive your car legally.
How many days does it take to cancel insurance? ›
Can I cancel my car insurance before it starts? You can cancel your insurance policy within the 14-day cooling off period before your policy is in effect, and typically receive a full refund. Some car insurers will still charge you an administration fee, although this isn't always the case.
How many days before you can cancel insurance? ›
Key Takeaways: Drivers can cancel their insurance policies at any time but should plan for potential penalties or insurance gaps. Many companies provide a prorated refund for policyholders who cancel before the end of their policy term.
What is the grace period for a new car with Progressive? ›
Around 7 to 30 days. Voice Over: If you wait longer than your insurer's grace period, your new car may not be covered.
