California Wildfires Leniency

Important information about your insurance policy

January 22nd, 2025

Progressive Customers:

We recognize that you may have been affected by the recent wildfires and have a lot to deal with right now, and the last thing we want you to worry about is your insurance. The state of California has required insurers to offer Property customers a 60-day grace period in making premium payments. In addition to the state mandate, we’re extending billing leniency with a 30-day grace period across all lines of business: Personal Auto, Commercial Auto, Motorcycle, Boat, and Recreational Vehicle.

If you are in the areas most affected by the fires*, the following changes allow you time to focus on recovery while remaining confident you have the insurance you need.

• Reinstating policies for nonpayment: We will automatically reinstate policies that otherwise would have been cancelled for nonpayment from 1/7/25 through 2/10/25.  For Property customers in particular, we will extend that from 1/7/25 through 3/11/25.  If you do not want to maintain a policy that will be automatically reinstated, please call us as soon as possible.

• More time to make payments: For customers who have upcoming payments due, we have extended the time to make a payment. Whether you're maintaining or renewing your policy, payment received or postmarked by 2/10/25 will be accepted without changes to coverage. For Property insurance customers, this extension goes to 3/11/25. All installments due need to be received by the end of the grace period.

  • If your policy is up for renewal, we’ll send you a renewal offer and bill as usual. If you want to renew your policy, just pay the bill when you receive it or sometime on or before the end of the grace period.
• Automatic payments will continue: If you normally have your payment automatically withdrawn from your account, we’ll continue to withdraw payments as usual, unless you ask us to stop.

Please note, new business policies written 1/8/25 and after are not included in billing leniency.

*ZIP codes where 30-day billing leniency is available for Personal Auto, Commercial Auto, Motorcycle, Boat, and Recreational Vehicle: 90049; 90265; 90272; 90290; 90402; 91001; 91006; 91008; 91010; 91011; 91016; 91024; 91103; 91104; 91107; 91206; 91208; 91301; 91302; 91316; 91356; 91367; 91377; 91403; 91436. Billing leniency for Property customers are available to all areas affected by the wildfires, per state mandate. For resources and further information, please refer to the California Department of Insurance.

As a Progressive customer, your vehicle claims are handled by Progressive Claims Service 24 hours a day, 7 days a week.

If you need to report a claim, you can report it online or call 800-776-4737.

After filing your claim, we'll email you to let you know when you can monitor its status online.

You can rest assured that we will be there to help settle your claim and get you back on the road as soon as possible.