How to Cancel Progressive Insurance in 2026 (No Cancellation Fee + Refund)

Updated 2026-02-26 · 7 min read

Before You Cancel: Get New Coverage First

This is non-negotiable. A lapse in auto insurance can:

• Result in fines or license suspension in most states
• Increase future premiums by 20-50% — insurers treat coverage gaps as high-risk
• Void your vehicle registration — some states auto-notify DMV of cancellations
• Leave you personally liable for any accident during the gap

Get quotes from at least 3 competitors before canceling. Popular alternatives: GEICO, State Farm, Allstate, USAA (military), Root (usage-based), Lemonade (renters).

Method 1: Cancel Online (Fastest)

1. Log into progressive.com or the Progressive app
2. Go to Policy → Cancel Policy
3. Select your cancellation date (set it for the day your new policy starts)
4. Confirm cancellation
5. You'll receive email confirmation and a prorated refund within 5-10 business days

Method 2: Cancel by Phone

1. Call 1-800-776-4737 (available 24/7)
2. Have your policy number ready
3. Tell the agent: "I'd like to cancel my policy effective [date]"
4. They'll ask why — you don't need to give a detailed reason
5. Confirm your mailing address for the refund check (or ask for direct deposit)
6. Request a cancellation confirmation number

Method 3: Cancel Through Your Agent

If you purchased through an independent agent:

1. Contact your agent directly — they can cancel on your behalf
2. Some agents may ask you to sign a cancellation request form
3. The agent might offer to re-shop your rate before canceling — worth hearing out if you haven't compared quotes recently

Your Refund

• Prorated refund: You get back the unused portion of your premium
• Paid in full: Refund check mailed within 10 business days, or direct deposit in 3-5 days
• Monthly payments: Any remaining balance is waived, or you receive a credit
• Escrow/mortgage: If your homeowner's premium is escrowed, notify your mortgage company too

Cancel Specific Progressive Products

• Snapshot (usage-based tracking): You can remove the Snapshot device without canceling your policy — call 1-800-776-4737 or remove in-app. Your rate may increase since Snapshot discounts no longer apply
• Roadside assistance: Can be removed as a line item without canceling the full policy
• Renters insurance: Cancel separately from auto — each is its own policy
• Pet insurance: Administered by Pets Best — cancel directly at petsbest.com
• Multi-policy bundle: Canceling one policy may remove your multi-policy discount on others

How to Save Money Without Canceling

If cost is the issue, try these before switching:

• Increase your deductible: Going from $500 to $1,000 can save 15-25% on comprehensive/collision
• Remove comprehensive on older cars: If your car is worth less than $5,000, the premium may exceed the payout
• Ask about discounts: Multi-car, homeowner, good driver, paperless billing, paid-in-full
• Use Snapshot: Safe drivers save up to 30% — the device tracks mileage, braking, and time of day
• Name Your Price tool: Progressive's online tool adjusts coverage to fit your budget