How to Cancel Progressive Insurance: 7 Steps that you know

Many ads from Progressive always make it clear how easy it is to “switch and save” on insurance for your car, home, motorcycle, etc. Fortunately, if you want to cancel your Progressive policy instead, that process is pretty simple as well. The exact procedure will vary depending on where you live, as – for example in the US – each state has its own insurance rules and regulations. Wherever you are, it’s always best to pay for new insurance before canceling your Progressive policy, especially for motor vehicles.


Part 1 2: Setting up a replacement policy for the first time

Step 1. Choose a good time to consider switching insurers

You can cancel insurance provided by Progressive (or any other company) at any time. However, there are two particularly good times to consider switching insurers:

  • Start comparing rates 3 to 4 weeks before your progressive policy renewal date. Depending on the laws where you live, you should receive a renewal notice one month before it is due. Use this information to compare prices and products with several competitors.
  • Weigh your insurance options after a significant life event, such as a wedding or divorce, the birth of a child, moving to a new home or buying a new car or adding a new driver. Contact Progressive to see how such changes will affect your policy and rates, then use this to evaluate other options.

Step 2. Check your progressive cancellation fee policy

Depending on the laws in your area and the type of policy you have, you may have to pay a cancellation fee to end your policy before the renewal date. If there is a fee, it is often 10% of your remaining premium. For example, if you have 3 months left at $150 per month, your fee would be approximately $45.

  • If you prepaid your policy, you will be refunded for the unused term after cancellation, less any fees ($450 – $45 = $405 in the example above).
  • For details, see your Progressive policy, log into your online account (, or call 800-776-4737 (US).

Step 3. Choose new insurance for your car

In the United States, each state has a motor vehicle insurance requirement, and by law you may have to prove that you have a new insurer when you cancel your progressive policy. Shop around and find a new policy that fits your needs and budget.

  • To get quotes, you can: call insurance companies directly or visit their websites; visit the office of one of the nearby independent insurance agents associated with the company; or use third-party quote comparison websites.
  • Arrange for the new policy to take effect on the day you want your progressive policy to end.
  • You may also be required by law or your mortgage company to have homeowner’s insurance.

Step 4. Ask your new insurer if they can help you cancel

Some insurers will be so eager to take over your business that they will take care of most of the work of canceling your old policy. You may simply need to sign a form or give verbal confirmation. But even if they don’t offer this service, the process is simple enough that you can take care of it yourself.

part 2: Breaking with the progressive

Step 1. Mail in the signed policy cancellation form

In the US, some states require a signed document to cancel car insurance, and this is often the easiest way. You can find pre-made forms online that you can fill out (for example, and mail them. Or you can compose a quick form letter containing the following information:

  • Your name, address and phone number
  • Your progressive policy number and the date and time (for example, 12:01 am) you want it to end
  • Insurer’s name, policy number and the start date/time of your new policy
  • Your signature with the date
  • Mail it to: The Progressive Corporation, 6300 Wilson Mills Rd., Mayfield Village, Ohio 44143.
  • Mail it at least 1 week (or, if possible, 2-3 weeks) before your intended cancellation date.

Step 2. Call 888-416-2003 to cancel by phone

Make sure you have your progressive policy number as well as your replacement policy details. Depending on where you live, you may be able to complete the process over the phone, or you may still need to sign and return a cancellation document.

A progressive agent may try to convince you to stay with them, possibly by offering a discount. But if you say something like “I’m sorry, but I’ve already made a final decision and drawn up a replacement policy” once or twice, they’ll give up

Step 3. Log into your Progressive account and cancel online

You may or may not be able to cancel your policy this way – again, this depends a lot on the laws where you live. Log on to and see what your options are, but don’t be surprised if you need to call and/or send in a signed form to cancel your policy.

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