Does Progressive Have a Grace Period For Missed Payments?

If you miss a payment with Progressive, you’ll have a grace period of 10 to 20 days to pay the pending amount plus a late fee before your policy is canceled.
Written by Kianna Walpole
Edited by Sarah Gray
Reviewed by Brice Regling
’s grace period for missed payments is between 10 and 20 days, and you will be charged additional late fees. If you can’t make your payment by the end of the grace period, your
car insurance
policy will be canceled.

Does Progressive have a grace period for late payments?

Yes, Progressive has a grace period for missed payments. It varies from state to state, but you’ll always have between 10 and 20 days after your due date to make your payment and keep your insurance policy active.
When you miss a payment with Progressive, you will be notified via mail or email and told a final due date for your late payment.
Do everything you can to make your payment before the end of the grace period. You will be charged an extra late penalty when you do—usually $5 to $10—but that late fee is nothing compared to the expenses you could rack up if your
coverage lapses

Does Progressive insurance accept late payments?

Yes, Progressive will accept late payments for up to 20 days, depending on your state. However, you will have to pay a late fee in addition to your original balance owing. 

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

If you get into a car accident (whether at-fault or not), you will still be covered under your auto insurance policy even if you’re in the Progressive grace period. 
During this time frame, you can still submit claims with your insurance company for reimbursement up until the end of the 20th day.

What to do if you’ve missed your Progressive payment

If you’ve missed a payment with Progressive, you can make a late payment online, through the mobile app, by phone, or by mail as long as you are still in the 10-20 day grace period.
You can manage your policy and make payments on
Progressive’s online portal
at any time. All you need is your policy number, date of birth, and ZIP code to create an account.
If you have the Progressive
mobile app
, you can pay your bill, file a claim, and more.
Call Progressive’s automated payment system at 1-800-776-4737 to make a payment over the phone. This line is available 24/7.
To pay for your Progressive bill by mail, send a check for the due amount to PO Box 984105, Los Angeles, CA 90189-4105.
If you pay online, by phone, or with the mobile app, your payment will be automatically processed. If you choose to mail your payment, the postmarked date on your envelope will be considered the payment date.
Will a missed payment affect my credit score?
No, a single missed payment shouldn’t impact your credit score if you can pay the remaining balance within the grace period. But, if Progressive sends your bill to a collections agency, you could see a negative change in your credit score—and ultimately, your car insurance rates.

What if I’m enrolled in automatic payments?

If you’re already enrolled in autopay and you missed a payment, it could be because there was a change in your billing information or a low bank balance. Make sure to update your Progressive account or authorize a new payment plan. 
To avoid further missed payments and potential policy cancellation, also consider setting up bill pay reminders. With the
app, you will be notified when your bill’s due, so you can make sure you’ll have the necessary funds in place before payment is taken out. 

Progressive canceled your policy—now what?

If you fail to pay your Progressive auto insurance bill within the 10-20 day grace period, your policy will be canceled for nonpayment and you will experience a car insurance lapse. 
In this case, you will need to immediately seek to restore your coverage to avoid higher premiums in the future. Here’s what you can do: 
Call Progressive
If you can’t make your payment in time or discover too late that your Progressive car insurance coverage has lapsed, call a Progressive insurance agent to see if you can get the policy reinstated.
app screenshot
Shop for new car insurance
If you’re unable to reinstate your policy, or you find your auto insurance rates increased, you can always shop for new car insurance quotes using the Jerry app.
For each quote you receive, you’ll be able to see exactly how much you need to pay to start your policy—and you can usually sign-up on the same day.

Expert Tip:

VP of Insurance Operations, 15 yrs
Seventy percent of people haven’t re-shopped their car insurance policy. It’s important to remember that you can change your insurance carrier at any time. If your rate increases for any reason, you can shop around for a better rate.

If you’re having trouble making payments

If you missed your Progressive payment due to high insurance costs, there are certain steps you can take to prevent a potential lapse in coverage.
1. Postpone your payments: You can postpone your Progressive monthly payment for up to 10 calendar days after your original due date. This can be done online or by calling Progressive directly.
2. Search for lower rates: While Progressive offers cheap car insurance for a variety of driver profiles, it might not be the lowest rate for you. That’s why it’s important to always compare car insurance quotes from several providers to weigh your options and possibly find savings opportunities.
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How late can I be with Progressive?

Progressive allows customers a grace period of 10-20 days to make their late payments. Anything past this time period could result in policy cancellation.

How do I get around an insurance lapse?

To avoid an insurance lapse, make sure to pay your Progressive bill within the allotted grace period time. If your policy is canceled for nonpayment after the 10-20 days, you could face an insurance lapse and higher rates in the future as a result.

Do all insurance policies have a 30 day grace period?

No, not all insurance providers offer a 30-day grace period. Times vary depending on your provider and state regulations. Progressive offers a 10-20 day window for late payments, and the exact time frame will be based on where you live. 

How do I change my due date on Progressive?

To change your upcoming payment date, head to Progressive’s online billing portal or contact Progressive customer service at 1-800-776-4737.

Should I change my payment due date?

If you know you will be late this month to make your payment to Progressive, getting ahead and changing the due date on your bill might help.

What happens if you pay after the due date?

Progressive gives a 10-20 day grace period for late payments; but remember, you will also be charged a $5-$10 late fee. If you fail to pay within the 10-20 window, your policy can be canceled. 

Does a 2-day late payment affect credit score?

Yes, any late payments will impact your credit score. However, most don’t appear on your report for at least 30 days.

What are the ways I can pay my Progressive bill?

You can pay for your Progressive bill online, in-person, by mail, or through the mobile app.

How can I make sure I won’t miss a Progressive payment in the future?

To avoid missing payments in the future, consider setting up automatic payment options in the Progressive app, or use Jerry to help remind you of upcoming car payments.

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