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How long do I have to pay my car insurance?

My insurance is really expensive. What happens if you pay your car insurance late?

avatar
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Car insurance premiums can be paid up front in one lump sum or be spread out into monthly installments. If you chose to pay monthly, you should pay on or before the bill’s due date.
Log in to your online account (if you set one up) or refer to your paper or electronic billing statement to find your due date.
Every state has a
minimum amount of car insurance
that drivers are required by law to carry. You need valid
car insurance
as long as your vehicle is registered to operate on the road. So if you fail to pay your premium, you risk driving illegally.
If your car insurance is expensive, you have a couple of options:
  • Reduce your coverage to save money. Carrying liability insurance will always be cheaper than full coverage. While it’s not recommended to carry the minimum insurance required, it can help reduce your costs for the time being.
  • Shop around for better prices. Rates vary from company to company. You may be able to find a better deal by requesting
    car insurance quotes
    from several companies.
  • Check rates often. If you can’t find less expensive insurance right now, don’t give up. Insurance rates change often—you may be able to find something cheaper in a few months.
If you want cheap car insurance quotes fast, go to
Jerry
. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and will even help you cancel your old policy.”
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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