How to Cancel Progressive Car Insurance
Updated: September 7, 2026
Advertising & Editorial Disclosure
Progressive accepts online cancellation in most states, but some require phone confirmation to finalize. Submit online, then call to verify if you don't receive a confirmation number within 24 hours.
Start your new policy before canceling Progressive. A one-day lapse can appear on your driving record and raise your rate with the next carrier. Match the new policy start date exactly to the Progressive cancellation date.
Progressive refunds on a pro-rata basis for most cancellations, meaning your refund only covers the amount of unused paid-for coverage.
Some mid-term cancellations use a short-rate calculation instead, which reduces your refund by an administrative fee. Confirm which applies before you submit the request.
How to Cancel Your Progressive Policy
Set your new policy start date to match your Progressive cancellation date exactly. Progressive processes same-day cancellations by phone, app or website. You can also set a future effective date that aligns with your new policy start. Have your policy number and your new carrier's start date ready before you call or log in. Drivers canceling a different carrier's policy can find carrier-specific steps in our general guide to canceling car insurance.
A coverage gap can flag your driving record and lead to license suspension, fines or higher rates down the road.
- 1
Have Your New Policy Active First
Start your new policy before canceling Progressive. A one-day lapse can appear on your driving record and raise your rate with your next carrier. Match the new policy's start date to your Progressive cancellation date exactly.
- 2
Contact Progressive to Request Cancellation
Call 1-888-671-4405 to reach a representative directly, or log in through the app or Progressive.com. Some states require phone confirmation before the cancellation finalizes. Have your policy number and new policy start date ready before you call.
- 3
Confirm Your Cancellation Date
Choose same-day cancellation or a future date that lines up with your new policy's start. Progressive can backdate the cancellation in some states if you already switched carriers, depending on state rules and whether you prepaid your premium. Confirm the effective date before you end the call.
- 4
Ask About Your Refund
Progressive calculates most refunds on a pro-rata basis: you get back the unused portion of your premium. A $600 six-month policy canceled after two months refunds $400. Some mid-term cancellations use a short-rate calculation instead, which subtracts an administrative fee from your refund.
Ask the representative which calculation applies to your policy, and get the exact dollar amount before you hang up. Refunds return to your original payment method 7 to 14 business days after the cancellation effective date.
- 5
Get Written Confirmation
Before the call ends, ask for a confirmation number in writing along with the effective date. Progressive sends this confirmation within 24 hours. Save that email for any billing dispute that comes up later.
- 6
Cancel Autopay and Notify Lienholder
Cancel autopay once Progressive confirms the cancellation. Otherwise you risk a charge in the next billing cycle. If your vehicle is financed or leased, send your lienholder proof of your new policy, and keep all cancellation documents.
If you're switching to a new insurer, compare at least three quotes before your Progressive cancellation effective date. State Farm and GEICO price below Progressive for standard driver profiles. Drivers who want to compare before canceling can review current affordable rates by coverage level in our cheapest car insurance guide.
Progressive Cancellation Mistakes to Avoid
Progressive policyholders often encounter three common cancellation risks that can delay refunds, leave policies active unintentionally or trigger penalties. Avoid these three mistakes when canceling your Progressive policy.
Phone-Required CancellationIn some states, an online submission does not complete the cancellation. Progressive does not notify you if an online attempt fails in a phone-required state, which can leave the policy active and incurring charges. After any online submission, call 1-888-671-4405 to confirm the effective date and get a confirmation number.
Snapshot ProgramIf you have a Progressive Snapshot device, contact Progressive before canceling to confirm whether you must return it and by what deadline. A non-return fee can be charged to your account after the policy ends. Snapshot discounts do not transfer to a new carrier.
Short-Rate PenaltySome mid-term cancellations use a short-rate calculation rather than pro-rata. A short-rate penalty applies an administrative fee that reduces your refund. Ask Progressive which calculation applies before you submit the request.
How to Cancel Progressive Auto Insurance: FAQ
Online cancellation works in most states through the app or Progressive.com, but a phone call is still required in some states even after you submit online. Call 1-888-671-4405 if you don't get a confirmation number within 24 hours of an online request.
Online cancellation works in most states through the app or Progressive.com, though some states require phone confirmation even after an online submission. Call 1-888-671-4405 to verify if you don't receive a confirmation number within 24 hours of an online request.
Progressive doesn't charge a flat cancellation fee. Some mid-term cancellations use a short-rate calculation instead, which subtracts an administrative fee from your refund. Confirm the calculation method before you cancel.
Refunds take 7 to 14 business days from the cancellation effective date and are returned to your original payment method.
Progressive may require you to return the Snapshot device when you cancel your policy. Contact Progressive before canceling to confirm return instructions and the deadline. A non-return fee can be charged after the policy ends.
You can cancel Progressive mid-policy at any time. Mid-term cancellations may use a short-rate calculation that reduces your refund. Confirm the refund method before you cancel.
About Mark Fitzpatrick
Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.