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How to cancel Progressive auto insurance

Fact-checked with HomeInsurance.com

Progressive Insurance is one of the largest providers of auto, home and renters insurance. There are times when life’s circumstances change and you may need to cancel Progressive auto insurance or one of the carrier’s other policies or switch providers. You’ll need to know how to cancel Progressive insurance the right way to ensure you don’t pay a cancellation fee or experience a coverage lapse — or you end up paying for coverage longer than you need it.

Reasons to cancel Progressive car insurance

There are times you may want to cancel auto insurance; you may find better rates from a different car insurance company and decide to switch carriers or bundle your auto with your home provider. You might also decide to cancel your policy because you’ve sold your vehicle, or it was totaled in an accident or stolen.

You are not “stuck” with insurance until the policy ends. Just remember that canceling your car coverage without a replacement policy lined up isn’t a good idea if you still plan on driving the vehicle — even if you can no longer afford the cost of auto insurance

A better option if you can’t afford more comprehensive coverage is to opt for the minimum legally required. Most insurers will report a lapse in coverage to the DMV, which could affect your vehicle registration or even trigger a suspension of your driver’s license. 

How to cancel Progressive auto insurance 

There are a few ways to start the cancellation process, depending on the insurance company. While it would be the most convenient option for most, unfortunately, you can’t cancel Progressive policy online. Progressive cancellation policies require you to call instead. Follow these steps:

  1. Call customer service at 1-866-416-2003.
  2. Provide the effective date of the cancellation.
  3. Provide the name of the new insurance carrier, if applicable.
  4. Ask if you are eligible for a refund of any premiums paid in advance.

Can you cancel Progressive auto insurance online?

At this time, Progressive does not allow you to cancel your auto insurance online. You’ll need to call customer service to terminate your coverage. 

Is there a Progressive cancellation fee?

There is no Progressive cancellation fee according to the provider’s website (although some customers have reported a fee was applied), but you may not necessarily get a full refund back, either. Here is how Progressive charges you when you cancel your coverage:

  • Pro-rate: Calculating your remaining coverage owed based on days remaining. Progressive may refund you 90% of the unused days of coverage, keeping 10%.
  • Short rate: The older your policy is, the less you’ll receive as a refund because it is assumed you used more of the premium at the beginning of your policy than towards the end.

Exactly how much Progressive will charge you depends on the state you live in and what the regulations are for cancellations. Ask up front if you will get a full refund for the unused portion of your policy. It may be best to factor the potential cost into your cancellation or wait for your policy to end (if it’s close), just in case.

Considerations for canceling your Progressive policy

Based on the uncertainty of how much Progressive will refund you on your unused portion of the policy you wish to cancel, you may want to consider carefully if the expense is worth canceling now, or waiting for when the term renews.

Will I receive a refund or owe money if I cancel?

As mentioned above, Progressive may refund a portion of your remaining unused policy. Each state and policy may have its own rules, so to determine any refund amount, you’ll need to contact an agent.

Where does Progressive require additional information?

There are no additional requirements to cancel your car insurance once you decide to switch or end your coverage. However, nearly all states require you to keep a minimum amount of auto insurance in force. 

Can someone else cancel my Progressive policy for me?

Progressive will require the insurance policy owner to cancel the policy. To ensure it’s you, you’ll be required to answer some questions to verify you are the owner who has called to cancel.

Be sure to have another policy before canceling 

When canceling your car insurance because you’re switching, make sure your new policy will be in force the same day your Progressive car insurance cancels. Let Progressive know which carrier is taking over for their records. If you don’t, Progressive may be legally required to report you to the DMV. Depending on the state, not having insurance on your vehicle could affect you in a few ways:

  • Your license could be suspended and will have to pay a pricey license reinstatement fee.
  • You may be unable to renew your vehicle’s registration.
  • You could be charged a fine.
  • In more extreme cases, you could face jail time.

Consider suspending your policy instead of canceling

If you’re worried about canceling your insurance and facing bigger legal issues from lapsed coverage, you may be better off suspending your policy for a certain period of time. Suspending your policy still takes work —  some states may require you to file an “affidavit of non-use” at your local DMV before you can put your coverage on hold (because suspending your policy assumes you are not driving that vehicle for a time). Ask your insurance carrier if they have policy alternatives such as stored or seasonal vehicle coverage for a reduced price instead.

The takeaway

  • Knowing how to cancel your car insurance can save you from the dangers of lapsed coverage, which could lead to a suspended license or penalties.
  • You can’t cancel Progressive car insurance online; you’ll need to call customer service to start the process.
  • Progressive does not currently reference a cancellation fee on its website, but you may still get charged up to 10% of your remaining policy before you receive a refund of any pre-paid premiums.

Certain circumstances require or motivate you to change providers — and it’s perfectly legal to do so. Whether you decide to switch or no longer need coverage, cancelling a Progressive policy requires calling in to speak with an agent. Most states require drivers to keep at least a minimum amount of liability insurance, so if you want to cancel Progressive auto insurance because you’ve found a better deal elsewhere, make sure there is no lapse in coverage.

Cynthia Paez Bowman

Writer

Cynthia splits her time between Los Angeles, CA and San Sebastian, Spain. She travels to Africa and the Middle East regularly to consult with women’s NGOs about small business development.

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