Progressive has a grace period of up to 10 - 20 days, depending on state laws where you live. If you don’t make your payment on time, Progressive will send a formal cancelation notice within 14 days of the original due date. The notice will contain a final date Progressive will accept your payment. Your policy will be canceled if you do not settle the bill by that date.
There is no standard grace period for late payments because state laws differ so much. In New York and Wisconsin, for example, there is no guaranteed grace period at all. If you don’t pay your insurance on time, your coverage lapses. Most state laws, however, require insurance companies to provide notice 10 to 20 days in advance of canceling for nonpayment.
As long as you are within the stated grace period, you have coverage. That means if you get into an accident during the grace period but pay right away, damages will be covered as normal, according to your policy details. Again, the amount of time you will be covered if you miss a payment is highly dependent on state laws. The best way to confirm your exact grace period is to check your policy.
No matter what grace period you have, it’s not a new due date by default. Patterns of late payment or a claim during the grace period can cause Progressive to drop you, increase the risk your coverage will lapse by mistake, and leave you without insurance.
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