payments, though you’ll be charged a late fee of $15 and may incur a $25 fee if the missed payment was due to insufficient funds or a closed account.

Does Farmers have an insurance grace period for late payments?

Yes, Farmers Insurance offers a 30-day grace period if you miss a car insurance premium payment. You’ll also receive a notice of cancellation detailing the last day the company will accept payment before canceling your policy. This is required by state law.

If you fail to make a payment within your grace period, your auto insurance policy will be canceled.

Driving uninsured

—without even minimum liability insurance—comes with serious penalties:

You’ll be liable for all damages if you get into an accident

You’ll receive a fine and potential

license suspension

if caught

Your insurance lapse will result in higher rates when you buy a new insurance policy

Does Farmers Insurance accept late payments?

Farmers accepts late payments throughout the grace period, though they will levy a late fee of $15. If your payment is late due to insufficient funds or a closed bank account, you’ll also be responsible for an additional $25 fee.

What if I get into an accident with a missed payment?

Your insurance policy is still active and valid during your grace period. If you get into an accident during this time, Farmers will accept a claim.

If your grace period ends and you haven’t made a payment or purchased a new policy, you will have a

car insurance lapse

and you will not be covered in the event of an accident.

What to do if you miss a Farmers insurance payment

If you missed a payment, you should contact Farmers directly to remedy the situation.

Online: Log in to your

Farmers.com

account to make a payment. Be sure that you have your policy number or billing account number at the ready.

Phone: Call Farmers Insurance at 1-888-327-6335 and speak to an insurance agent to make a payment on your personal auto insurance.

Mail: Write your account number on either a personal check or money order to make a payment at your local Farmer’s office. You can also mail the information to this address:

P.O. Box 0991

Carol Stream, IL 60132-0991

Missing payments puts you at risk of an insurance lapse, which can result in serious financial liability and increased future insurance expenses.

An easy way to avoid late payments is to set up automatic reminders with Jerry.

You’ll get bill payment notifications 3 days before your payment due date to help you maintain coverage and avoid late fees.

What if I’m enrolled in autopay?

If you have autopay set up but still missed a payment, check your billing statement to make sure all of your information is correct. You can log in to your farmers.com account to make address, banking, or credit card changes as needed.

Farmers offers policyholders an incentive to maintain a good payment history. If you have no late billing fees assessed for 12 months, you’ll receive a good payer discount. This discount will be reassessed at renewal and is not available in California.

What to do if Farmers Insurance cancels your policy

If you don’t make a payment within your grace period, Farmers will cancel your car insurance policy. Nonpayment will lead to a coverage lapse, which leaves you vulnerable to expensive damages if you’re in an accident and high rates when you eventually purchase a new policy.

Ask to reinstate your policy

If you’re in this situation, call Farmers at 1-800-515-7406 and see if you can reinstate your policy. Note that reinstatement isn’t guaranteed and you will need to make a payment immediately. Even if your insurance lapse was only a few days, you may face a hike in your insurance premium.

Shop for a new policy

If you can’t get your existing policy reinstated, you’ll need to purchase a new one as soon as possible. If you’re shopping with

Jerry

, you can compare insurance quotes from among 55+ insurance companies to find the best deal, then finalize your rate and activate your policy the same day—often in less than an hour.

What to do if you’re having trouble making payments

Farmers Insurance policyholders can postpone a bank payment once, with exceptions.

You must postpone at least one business day before your payment is scheduled

You can request payment delay through your farmers.com account or by calling a Farmers agent at 1-877-327-6392

You might also have the option of changing your payment plan.

If your auto insurance premium is no longer affordable, it’s time to shop for a better rate. Use Jerry to

compare quotes

and adjust your car insurance coverage levels to work with your budget.

FAQs

What is Farmers Insurance late fee?

A maximum $15 late fee is charged to a policyholder who makes a late payment. You’ll be charged an additional $25 for a declined payment.

How many days late can you pay insurance?

With Farmers, you’ll have up to 30 days to make a payment before your insurance is canceled. Most car insurance companies offer a grace period of between 7 and 30 days for late payments.