Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Car Insurance Agent Daniel Walker

UPDATED: Apr 13, 2022

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The Short of It

  • It’s easy to cancel your Progressive car insurance via phone, email, or mail
  • Acquire other auto coverage before you cancel your existing plan
  • Progressive offers a multitude of discounts for which it might be worth maintaining its coverage

Progressive is one of the largest insurance companies in the country. It provides coverage in all 50 states and Washington, D.C., and currently insures over 27 million people. 

There are several reasons why you might want to cancel your auto insurance with Progressive. Perhaps you’re selling your vehicle, moving to a different state, or acquiring a lower rate with another insurance company. 

The good news is that Progressive allows you to cancel your policy at any time, even in the midst of its term. However, if you do this, you may not receive a full refund from the company.

Also, if you cancel your car insurance with Progressive, ensure that you’re covered by another policy first. You never want to be left without coverage because anything could happen. 

You might even decide to keep your vehicle insured with Progressive. The company offers its customers a wide range of discounts and benefits that you might not be aware of. 

Can you cancel your car insurance coverage from Progressive?

Like any other auto insurance company, Progressive allows its policyholders to cancel their coverage at any time. That indicates that you could be either two months or ten months into your policy’s term. Whatever the case, you should be able to terminate your car insurance. To help with your decision, you can read our Progressive review

One of the best aspects of canceling your auto insurance with Progressive is that they won’t charge you a fee to cancel if you pay your bill monthly. On the other hand, if you paid your annual premium in advance, they could take up to 10% of your refund as a cancellation fee. Ultimately, it’s up to the state you live in to determine whether or not you can be charged or penalized for the early cancellation of your insurance policy.

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Steps to Cancel Progressive Auto Insurance

You shouldn’t just cancel your car insurance with Progressive — or any other insurance company — on a whim. There are several steps to take before you actually terminate your coverage.

Determine When Your Progressive Policy Expires

Although you can cancel car insurance policies at any time, it’s best to do so when your policy is going to expire or is up for renewal. This way, Progressive won’t have to charge a cancellation fee if you paid your premium in advance. When you cancel an auto policy before its term expires and have already paid that year’s costs, Progressive will determine what your refund will be according to how far into the term you are and how much time is left before it expires.

Shop Around for New Coverage

You’ll want to know your next move before you cancel your current insurance coverage. There are numerous car insurance companies out there, so you should do your research before selecting one. It might be helpful to consult with an independent insurance agent to obtain the best quotes and options for the coverage you’re seeking. 

Start Your New Policy

It’s illegal to drive anywhere in the United States, with the exception of New Hampshire and Virginia, without some type of insurance coverage. Plus, if you get into an accident and you don’t have an active insurance policy, it could cost you a lot of money out of pocket. Nobody wants to be out that much money, especially in a situation where it’s preventable. So, before you cancel your current policy, be sure to start your new policy several days beforehand. 

Cancel Your Progressive Policy

Next, you can contact Progressive and let them know you want to cancel your auto policy. You’ll need to have some information handy, such as your policy number and the date you want the policy to expire. There are several ways to contact Progressive to do this. You can call Progressive at 1-800-776-4737 to speak with a representative, send them a cancellation letter by mail, or contact them via email. Unfortunately, you can’t cancel your coverage online.

Get Your Refund

If Progressive owes you a refund, you should receive it in the same method that you used to pay your premium. Credit card transactions should only take two to three business days to refund after canceling coverage. On the other hand, if you paid with a check, it could take up to 12 business days to receive your refund. 

What if you don’t get your refund within the promised time frame?

If the period of time in which Progressive promised you’d receive your refund passes and you haven’t received your payment, you’ll need to contact the company. You can reach out via their customer service phone number or chat with a representative. Let them know you haven’t gotten your refund, and they should be able to further assist you.

Should you cancel your Progressive auto insurance?

If you’re moving or seeking lower insurance rates, you might not need to cancel your Progressive policy. Progressive offers coverage throughout the U.S., so you won’t need a new plan if you are merely moving. Although the same coverage could cost more or less depending on your new location. 

Progressive also provides certain discounts if you are canceling to find more affordable coverage. Here are some of Progressive’s most popular discounts:

DiscountAverage Savings
Multi-policy5%
Multi-car4%
Continuous insuranceVaries
Snapshot: safe driver$146
Teen driverVaries
Good student10%
Homeowner10%
Online quote7%
Sign online9%
PaperlessVaries
Pay in fullVaries
Automatic paymentVaries
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Along with discounts, Progressive also offers the Name Your Price Tool. This allows you to name the price you would like to pay for insurance. Then, Progressive will show you coverage options in your specified price range. 

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How to Cancel Progressive Insurance: The Bottom Line

You can cancel your auto insurance with Progressive at any time. But if you don’t want to potentially pay a cancellation fee, cancel your policy at the end of its term. It’s easy to cancel and you can do so over the phone, by mail, or via email. The company might even owe you a refund.

However, if you’re only moving or merely seeking lower premiums, Progressive could still be the best fit for you. You can obtain coverage in all 50 states and you may even qualify for a discount or two. 

If you do cancel, ensure that you already have a new policy selected somewhere else. Otherwise, you could face consequences for driving while uninsured. Now that you know how to cancel Progressive insurance, you’re ready to search for new coverage. Enter your ZIP code to compare free auto insurance quotes from companies in your area.