How to Cancel Car Insurance With Progressive in 2025 (Follow These 5 Steps)

Explore how to cancel car insurance with Progressive. You can save by canceling your Progressive policy since policies with other providers cost about $40 per month on average, depending on location and coverage. Knowing the cancellation process can help you avoid fees and a lapse in coverage.

It’s calling Progressive, providing info, sending documents, verifying refunds, and finally confirming. If you are replacing coverage, gap insurance is excellent for keeping you covered.

Ready to contact car insurance companies and compare? Type in your ZIP code and check which one gets you the coverage you require.

5 Easy Steps to Cancel Car Insurance With Progressive

Canceling your Progressive insurance policy does not need to be a struggle. You can wrap it up easily with five simple steps. First, reach out to Progressive with your policy information and submit any required paperwork. After being processed, look for any refunds you’re entitled to and receive confirmation of your cancellation in writing. In this article, we’ll explain it all for you.

Step #1: Call Progressive

To cancel your Progressive policy, the first step is to call 1-866-416-2003 and speak with a representative. Handling the cancellation over the phone makes sure that everything is processed properly and gives you an opportunity to ask any high-level questions you may have about what happens next.

It’s also an opportunity to address any lingering concerns, like whether there will be any fees or what happens to a policy you no longer need.

• Call During Business Hours: Contact during business hours when customer service is fully operational to expedite processes.
• Have Your Policy Number Ready: This allows the representative to go right to your account quickly.
• Be Direct and Clear: Be straightforward about canceling and ask if there are any immediate steps to complete.

The first and most important step to canceling your policy is to make this call. Listen carefully to any instructions the rep gives you, and jot things down if necessary. If you’re switching insurers, now’s a great time to review types of car insurance coverage to ensure your new policy meets your needs.

Step #2: Provide Details

When you contact Progressive by phone, they will ask for some key information to complete the cancellation process. The representative will also ask you when you’d like your cancellation to take place and why you’re canceling.

Be clear about what you’re asking for, and also ensure there is no gap in your coverage by having your new policy take effect before the cancellation date. Ask about any final payments to avoid surprise charges, especially if your account is on hold or if you have an outstanding balance. And make sure your new coverage is active before you cancel your current policy, if you’re switching to a new provider offering the best no-down payment car insurance.

Step #3: Submit Documents

Progressive has since verified all the info they claim to need, so you’ll probably have to send documents to move forward. Some insurers will ask for proof of new coverage to ensure your insurance doesn’t lapse, which could result in penalties or higher premiums later.

Here’s what you should typically provide if Progressive requests this documentation:

• Your New Policy Naming Your Coverage: Provide a copy of your policy listing your coverage.
• Proof of Coverage From Your New Provider: You can show this by sending an insurance binder or declaration page.
• Verification From Your New Insurance Company: Get a letter confirming your new policy has begun.

If you do not provide these documents, your cancellation request may be delayed. As you cancel, ensure your new coverage is in place to avoid any gaps in protection. When choosing a new auto insurance provider, consider monthly quote comparisons that factor in coverage levels.

Here’s how much coverage generally costs per month from various insurers, divided between minimum and full coverage.

Auto Insurance Monthly Rates by Provider & Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$65	$150
	$57	$133
	$62	$145
	$50	$120
	$64	$155
	$58	$135
	$60	$140
	$55	$130
	$59	$138
	$40	$110

These rates are subject to change based on location, driving history, and discounts offered by each insurance provider. Getting personalized quotes will allow you to find the right policy for you. Also, learn how to save money by bundling insurance policies to maximize your savings.

Step #4: Confirm Refund

Insurance providers have varying cancellation policies that govern fees, notice periods, and refunds when it comes to canceling your auto insurance policy. Here is a rundown of different insurers and their terms on cancellations.

Auto Insurance Cancellation Policies by Provider

Insurance Company	Cancellation Fee	Notice Period	Refund Policy
	$25	13 days	Refund based on policy type
	$10	11 days	Refund for unused premium, no fee for early cancellation
	$20	16 days	Refund for unused premium
	$0	15 days	Full refund for unused premium
	$35	14 days	Refund for unused premium
	$12	8 days	Pro-rata refund, possible penalty after 30 days
	$18	14 days	Pro-rata refund on unused premium
	$15	10 days	Refund for unused premium if within 60 days
	$22	17 days	Pro-rata refund after cancellation
	$0	30 days	Full refund if cancellation occurs within 60 days

Knowing these policies can help you avoid surprise fees and ensure you receive any refunds you deserve. Before canceling, check your provider’s terms so you can make an informed decision. Also, reevaluating how much car insurance you need can help you find the best coverage before adjusting your plan.

Step #5: Get Confirmation

Once you cancel your policy, look out for written confirmation from your insurer. Not only does this provide evidence that your coverage is terminated, but it can save you from billing issues or discrepancies down the line. Also, be sure to ask what kind of confirmation you will receive and how—by email, mail, or through an online account.

You want that confirmation in writing to ensure that your policy has truly been canceled, that you’re no longer being billed for a policy you don’t have, and that your new insurer (if you are changing policies) does not require proof of cancellation before you can activate your new coverage.

If you’re switching providers, look for cheap car insurance while making sure you get the necessary paperwork to ensure your cancellation goes smoothly can help you transition from old coverage to new. And be sure to keep the confirmation in case something goes awry later.

Progressive Insurance Underwriting Cancellations and Claims

Understanding the way cancellations and policy changes work can help you better manage your insurance policies. Progressive Insurance sells both auto and home insurance, but there’s a key difference between the two. Auto policies are underwritten by Progressive Casualty Insurance Company, while home insurance policies are placed through Progressive Advantage Agency, Inc.

This means Progressive partners with third-party insurers to offer homeowners insurance instead of underwriting these policies in-house. If you cancel your Progressive home insurance policy, make sure to verify which company underwrites your policy, as claims, refunds, and policy changes may be processed through another insurer.

Knowing this will help you get to the right provider and save time by avoiding delays when handling your policy. Should you ever have to make a claim, you need to know what is the difference between a first-party claim and a third-party claim? Knowing this will guide you to take the right steps depending on the type of insurance claim you have to make.

Key Considerations for Canceling Progressive Insurance

If you know what to do, canceling your Progressive insurance policy can be a painless process. If you’re wondering how to cancel car insurance with Progressive, or looking into how to cancel Progressive insurance online, have your account settings ready or contact the company to check if you can do it digitally.

If you’re wondering how to cancel Progressive insurance without calling, alternative options might be available, but they differ based on policy. Find out whether a Progressive cancellation fee applies so you’re not caught off guard. However, before you make your final decision, ask yourself if it is bad to cancel car insurance as it may affect your future rates or coverage.

Also, since you’re switching providers, it’s a great time to learn how to file a car insurance claim with your new insurance company for a smooth transition. And finally, be sure to check the Progressive cancellation notice to prevent delays.

Finding cheap car insurance doesn’t have to be a hassle. Use our free comparison tool to find the best car insurance rates in your area.