Automatically renew insurance with Progressive?

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I’m 17 years old and just started driving a few months ago. I bought my car insurance thru Progressive.  I bought it for 6 months and the 6 months are going to end soon.  Will they renew it for me automatically? Or do they need to get my approval to do it?

I don’t want them to not renew it and then be stuck without auto insurance for a few days while they wait for payment to clear, etc.. what should I do?

Our Answer

We’re glad you’re taking car insurance renewals seriously! Many drivers simply buy it and forget about it.

Car insurance lapses are serious business. Going without car insurance for a few days – or longer – can expose you to enormous liability. Some people have caused multi-million dollar accidents while inadvertently driving without car insurance after a lapse.

renew insurance with progressiveIt’s possible that your car insurance policy with Progressive will renew automatically. It’s also possible that your policy will not be renewed unless you specifically pay for the renewal:

  • If you gave Progressive permission to take money directly out of your bank account, then your car insurance should be renewed automatically. This is how most car insurance companies operate. They get permission to deduct your premium payment from your bank account every month automatically.
  • Alternatively, if you paid for your car insurance using some other payment method – like a check – then it’s possible that your car insurance will not renew automatically at the end of your 6 months. It’s possible that Progressive does not have permission to automatically charge your credit card or another payment method.

In most cases, car insurance policies renew automatically, and you have nothing to worry about. However, to avoid a lapse, it’s best to assume that Progressive does not have permission to deduct your car insurance payment from your account automatically. Do not assume that Progressive will renew your policy automatically. Contact Progressive as soon as possible to verify your payment information and/or set up automatic payments.

Most insurance companies make it easy to set up automatic payments. It’s in the insurance company’s best interest to have you ‘set it and forget it’. Your insurance company wants your long-term business. Some insurance companies even give you a small discount off your premium for setting up automatic payments!

How to prevent your insurer from renewing your policy

You mentioned that you’re 17 years old. As a 17-year-old, you pay much higher car insurance premiums than virtually any other driver in the United States. If you’re unhappy with your insurance premiums with Progressive, then you may wish to let your Progressive insurance policy expire and switch to another provider.

If your policy is set to end automatically without being renewed (unlikely), then you can just let it expire and buy a new policy whenever you need it.

If your policy is set to be automatically renewed (which is more likely), then you will need to contact Progressive to cancel your policy, at which point you can switch to a new provider.

When switching to a new car insurance policy, make sure you’re not leaving a lapse in coverage. Assuming you need continuous coverage, you need to have your old insurance policy expire the same day as your new policy begins.

Most insurance companies send renewal notices 30 days in advance

Whether your policy is being renewed or not, you should receive a notice 30 days in advance of your date of expiry.

Most insurance companies send a notice 30 days before your policy is scheduled to be automatically renewed.

Most insurance companies also send you a notice 30 days before your policy is scheduled to expire.

Ultimately, most car insurance policies are automatically renewed, with the renewal occurring every 6 to 12 months. It’s in your car insurance company’s best interest to set up automatic renewals: if your car insurance policy is set to expire, then you may take the opportunity to compare prices with other car insurance companies.

However, if you’re in doubt about the renewal status of your policy with Progressive, then we recommend contacting your car insurance company to verify that your car insurance will be automatically renewed. It’s never good to let your car insurance lapse. However, most car insurance companies send you a 30-day notice before your policy is set to expire or be automatically renewed.

Other Answers

Answer 1

Unless you gave them the go ahead to take it directly out of your bank account, they won’t renew it for you automatically.  If you want to continue with them, call them up to notify them, and send them payment atleast a couple of weeks in advance.

If you want to switch insurance companies, on the other hand, you should do it quicker (start looking now).  Use the form at the top of the site if you would like to compare quotes from other companies.

Also, you might want to look at this article for ways you (as a young driver) can save on insurance – auto insurance for young drivers

Hope this helps.


  Comments: 4

  1. Trying to find out from someone if they know if your payment to progressive is going to be late, how long do you have to pay it before your insurance gets cancelled? My first 6 months is almost done and monthly bill is due on June 5th. If you can’t pay on that day do they cancel your policy the very next day?

    • Missing a payment will cancel your auto insurance. It can easily be reinstated, but most states will automatically flag you for not having insurance and you’ll owe a large bill. Don’t ever let it lapse.

    • Luis feliciano

      Call your insurance company and explain your problem and most likely, almost Always they let you skip that month and will tell you that you most pay double on your next payment. I’m speaking from experience, this happened to me and I double my next payment.

    • Andrew@4AutoInsuranceQuote

      Hi Holly,
      Some insurance companies are more lenient than others when it comes to late payments, but Progressive is not a lenient company with these. Usually they need payment by the exact due date, otherwise, they will cancel coverage. It might be possible to get your policy reinstated if you miss the due date, otherwise, you will need to get an entirely new policy. It’s best to call Progressive and see if they will give you an extra day or two. If they won’t, then you’ll need to figure something out to make that payment.

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