How many days can you be late on car insurance?

You can be up to 30 days late on a car insurance payment, depending on your insurance company’s policy and your state’s laws. While most insurance companies offer a grace period for late payments, some companies only have a grace period for customers in states that mandate one.

How Many Days Late You Can Be on Car Insurance by Company

Grace periods for some companies are provided by customer service representatives and can vary by state.

Your insurance company is required to send you a notice of cancellation, usually by mail or email, within a certain time frame before they cancel your insurance policy. The time frame for a cancellation notice varies by state and insurer.

During this period, your insurance is still valid, but if you don’t make a payment within that grace period, you’ll risk having your insurance policy canceled for nonpayment. If your policy does get canceled, it might be possible to reinstate it, depending on your insurer.