How long does it take for car insurance to lapse?

My car insurance policy is on autopay, but I noticed that a payment didn't come out last month. I didn't realize until now and I'm worried I'm uninsured. How long does it take for car insurance to lapse?

Answer
Realizing that an autopayment didn’t come out of your account is frustrating, especially when the point of autopay is to not forget a payment! To alleviate your stress, call your car insurance company as soon as possible.
You may find a number of reasons why your payment didn’t come out. By calling, you can find out if there was an issue with your account or a possible mistake on your car insurance company’s end.
Most car insurance companies cancel for nonpayment after 30 days of no payment. However, you should receive a cancellation notice from your insurance company at least 10 days before the cancellation date.
If you haven’t received a notice in the mail, you shouldn’t have a lapse of insurance. However, you should still follow up as soon as possible just to make sure. If your car insurance lapsed, you need a new policy immediately.
If you want cheap car insurance quotes fast, go to Jerry. As a licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and even cancels your old policy for you.
Emily Maracle
Answered on Oct 22, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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