Yes, you can cancel your Progressive car insurance policy at any time. The process is straightforward, but the method and potential financial outcome depend on your specific situation. You won't be penalized for canceling, but you may be subject to a small cancellation fee (usually around $50), and whether you receive a refund is determined by how you paid your premium.
If you paid in full upfront, you will receive a pro-rata refund for the unused portion of your policy term, minus any applicable cancellation fee. If you pay monthly, you likely won't receive a refund as you're only covered for the periods you've already paid for. The most efficient way to cancel is often online through your Progressive account or via their mobile app, which provides immediate confirmation. You can also call their customer service line.
It is critical to avoid a lapse in coverage. Do not cancel your existing policy until your new insurance is active and effective. State laws require continuous insurance, and a gap can lead to fines and significantly higher premiums in the future.
| Cancellation Scenario | Financial Outcome | Key Consideration |
|---|
| Paying Monthly | Typically no refund; may owe for current period. | Cancel near your billing date to minimize owed payments. |
| Paid in Full Upfront | Pro-rata refund for unused days (minus fees). | Refund processed within a few business days. |
| Mid-Term Switch | Refund calculated from cancellation date. | Have new policy start date ready before calling. |
| State-Mandated Fee | Small flat fee (e.g., $50) in some states. | Check your policy documents for exact amount. |
| New Policy Not Active | Risk of driving uninsured, leading to fines. | Never cancel old policy before new one starts. |
