Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Sep 9, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.

Just the Basics

  • If you pay your car insurance late there’s a chance your policy will lapse and you will no longer be covered
  • Until your payment is processed, you may be charged a late fee each day that it’s outstanding
  • Many insurance companies give you a car insurance lapse grace period before canceling your policy due to non-payment

Car insurance is a must for both you and your vehicle’s safety and security. Sometimes though, it’s not possible to pay your car insurance on time.

Unless your annual premium is paid in full upfront, you must make monthly insurance payments by the agreed-upon due date to ensure your coverage continues.

Is it bad to delay payments for car insurance? This car insurance guide will tell you everything you need to know.

Before you do, there’s a better way to buy affordable car insurance no matter your circumstances. You can find car insurance quotes near you right now by entering your ZIP code in our free tool above?

What happens if I pay my car insurance late?

Your insurer may cancel your policy if you quit paying premiums entirely. The best course of action is always to pay your insurance bill on time to prevent any gaps in your car insurance coverage, as these can result in higher rates the next time you try to buy car insurance.

Do I get a grace period if my car insurance lapses?

If you’re late on your payments right now, don’t panic just yet. You will most likely receive an email or a letter if your insurance is canceled.

Most providers have a car insurance lapse grace period before canceling your policy due to non-payment. This is around two weeks, but the length of time you have will depend on your state and your insurance provider.

Things happen, so states have car insurance cancellation laws that govern when and how an insurer can cancel your policy. For many states though, a lack of payment is a valid reason for an insurance company to cancel your policy even before its expiration date.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Is it bad to delay payments for car insurance?

It’s best to not get canceled at all since it will go on your record and increase your future premiums. You should never allow car insurance coverage to lapse. One technique you can use if you want to cancel your current policy is to buy a new one before it’s too late.

Checking car insurance quotes from top companies in your area is easy if you use our free tool. Simply enter your ZIP code below and you’ll get personalized car insurance rates right away.