Progressive Insurance accepts auto policy cancellations by phone, in person and by mail. In some states, you also have the option to cancel online.
The most reliable approach is to call the main customer service number at 888-671-4405 to request cancellation. That number is staffed by Progressive agents 24 hours a day, seven days a week. To cancel your policy, you’ll need your name, policy number, date of birth, and Social Security number, as well as the date you want to end the policy. You can end your coverage the same day you call, but we strongly recommend that you wait until your policy expires. This way, there is no chance that Progressive will charge you a cancellation fee.
They may ask for proof that you have sold the insured vehicle or proof that you have started replacement coverage.
If you cancel mid-term, Progressive Insurance will refund your premiums for unused days, less cancellation fees.
The key points:
- Progressive Insurance accepts auto coverage cancellations the same day over the phone. You can also cancel by mail or, in some states, online.
- If you cancel your coverage before the end of the policy term, you may be subject to a cancellation fee.
- You must secure new auto coverage the day before you cancel your Progressive policy.
A wacko spokesman named Flo may have convinced him to give Progressive Insurance a try. Or maybe it was that tempting catchphrase, “Name your price.” But times have changed and you’re ready to break with Flo and the Progressive team. Read on for the easiest and fastest way to cancel your Progressive auto insurance.
Progressive Insurance Cancellation Fees
Progressive Insurance does not post its cancellation fee policy online, but users report that they were charged fees as recently as February 2017. Auto insurance cancellation rates can vary based on where you live, the type of coverage you have and the date of cancellation in relation to the expiration date of the policy. WalletHub reports that Progressive’s cancellation fees range from a 10% surcharge to a flat fee of $50 to $65.
If you’re considering switching from Progressive, call 888-671-4405 now to find out if you’re subject to a short fee, surcharge, or cancellation fee. If it is, ask the agent to point you to the cancellation fee language in your auto policy documentation. Read that documentation to confirm that the agent’s response is correct.
In general, cancellation fees only apply when the policy is canceled mid-term. If you are subject to a fee, plan to walk away from Progressive the same day your current policy expires.
Step-by-Step: How to Cancel Your Progressive Auto Insurance Coverage
Technically, you could call a Progressive agent right now and cancel your coverage. However, that is usually not the best approach. If you’re not organized about switching auto insurers, it can cost you in a number of ways:
- Switching from Progressive Insurance in the middle of your auto policy term could result in a cancellation fee.
- Starting new coverage and forgetting to cancel your Progressive policy can result in you paying for two auto policies at the same time.
- Premiums vary widely from one insurer to another. Gather three to five quotes on the same coverage levels before making a decision. Otherwise, you could be leaving money on the table.
- If you don’t time your new coverage correctly, you could be without auto insurance temporarily. That can make your rates higher in the future and leave you financially exposed to any damage you cause. Avoid this by setting up new coverage to start the day before you cancel your Progressive policy.
- Keep your costs down and maintain continuous coverage by following these five steps when canceling your car insurance from Progressive.
Know the details of your Progressive policy
Start by locating your Progressive auto insurance card. If you don’t have it handy, you can access a digital version in the Progressive app, as shown in the video below.
Your ID card will specify the expiration date of your policy – that’s the date you should plan to cancel your Progressive auto coverage. Next, find the declarations page for your policy. Review your coverages and deductible levels and decide if they still make sense. If they do, great. If they don’t, write down the coverages and deductibles you want in the future. You’ll use those to collect quotes for policies to replace your Progressive coverage.
