Yes, you can generally cancel your Progressive car insurance policy at any time. There is no penalty for cancelling mid-term, and you are entitled to a refund for any unused premium. The process is straightforward, but the exact method and potential implications depend on your specific situation.
The most common and immediate way to cancel is by calling Progressive directly at 1-800-776-4737. Speaking with a representative ensures the cancellation is processed correctly and allows you to ask about your refund amount and timing. You can also cancel online through your account or via the mobile app, though availability might vary by state. If you're switching insurers, your new company can often handle the cancellation of your old policy for you, which is convenient but not instantaneous.
A key factor is how you paid your premium. If you paid in full upfront, you will receive a pro-rata refund for the remaining coverage period. For example, if you cancel halfway through a six-month policy, you should get about half of your premium back, minus any administrative fees (which are rare but state-dependent). If you pay monthly, you typically won't receive a refund as you're only covered for the paid-up month.
It's crucial to avoid a coverage gap. Do not cancel your old policy until your new one is officially active. Also, if you have a car loan or lease, your lender will require you to maintain continuous coverage. Cancelling without a new policy in place could lead to the lender buying expensive "forced-place" insurance and billing you for it.
Finally, request a formal confirmation of the cancellation, such as an email or a final bill showing a zero balance, for your records.
