How Long Does It Take to Process a Policy Refund with Progressive?

Progressive has flexibility when it comes to its cancellation options. However, it's your state's laws that determine what is available, so the fastest way to check is either by logging into your account or by phone. If you don't see a way to cancel online, then your state only allows for requests in writing. For the fastest refund, give them a call. If you'd rather mail in your cancellation, you can expect your refund to arrive within three to four weeks but call them if it's been longer than that. Your state may also require fees that are about 10% of your premium if you cancel early, so this could reduce your refund.

Christian Allen is the editor / author responsible for this content.
Apr 28, 2020

So you have your car insurance with Progressive? Excellent. Wait, you need to cancel it and get a refund? Sure thing. That's one of the great things about Progressive, they promise hassle-free cancellations and offer many methods. How long the process takes depends on how you cancel, and who doesn't want to take the most efficient route? In general, it takes between one and four weeks to receive a refund from Progressive.

The Cancellation

Like any insurance company, Progressive Insurance must follow state guidelines in all business dealings. This includes how its customers can cancel their policies. You might be able to do it online, by phone, in person or by mail. The only way to tell is to log into your account and look for all the cancellation options. If you see a cancel online option, then you live in a state that allows it. If you're having trouble finding your cancellation options, contact Progressive directly. They'll be able to help you find the most effective option and advise you of what information's needed to cancel. Should you prefer to mail in your request to cancel, Progressive has a document that you can download and mail or feel free to use your own. Typically, some needed information includes your name, policy number, date of birth and social security number, date and time you want your policy to end.

It's usually best to cancel your policy just before you need to renew, this could avoid possible state-related cancellation fees, which are about 10% of your remaining premium. Your cancellation goes into effect same-day if you call to cancel or use the online option. Mailed-in cancellations can add up to three weeks to the turnaround, so it's best to give Progressive enough time to complete your cancellation.

The Refund

Once Progressive has processed your cancellation request, they will mail you a refund check if a credit ends up being applied to your account. Your refund should be in your hands within seven days of your request. So far, there's no option to have your refund direct deposited.

If it's been longer than four weeks since you've cancelled, please don't hesitate to call them.

In closing, Progressive has many ways to cancel your insurance depending on your state. Online, phone, in-person or by mail are the possible methods. They mail out a refund check once they receive your cancellation, and you should have it within seven days. Mailed in requests take longer and can take up to three or four weeks. Contact Progressive if you haven't received your refund after four weeks.

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Christian has been writing about long hold times and customer service call center experiences since 2010. He's been featured in Bloomberg, the Wall Street Journal and the Boston Globe.
How Long Does It Take to Process a Policy Refund with Progressive?

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