What happens if my auto insurance lapses?

I completely forgot to pay my auto insurance bill. It has only been a few days, though. Will I have to start my policy over?

Answer provided by
Johnny Puckett
Answered on Apr 19, 2021
Johnny Puckett is a freelance writer and automotive expert. He has contributed content to a number of some of the largest online publications, aftermarket automotive manufacturers’ sites, and automotive informational sites. His experience in the automotive and information fields informs his writing at Jerry. His automotive interests bleed into his free time, where he enjoys modifying his favorite cars and woodworking.
“If your auto insurance has lapsed, you are not insured and you should contact your car insurance company before driving your vehicle again.
Just submit your premium payment and your policy should be reinstated. As for whether there is a payment grace period, that really depends on your insurance company. Some have a grace period and some do not.
However, no insurance company will let your premium go unpaid for more than 29 days without canceling the policy. Once this happens, your policy will have to be rewritten.”

Did this answer help you?

Ask us a question by email and we will respond within a few days.

Have a different question?

You can meet us at our office and discuss the details of your question.

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies