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What is the grace period for car insurance?
The grace period for car insurance is a specific period of time allowed by an insurance company to give policyholders the opportunity to make their premium payments without being penalized or having a lapse in coverage. The grace period typically lasts 7-30 days, depending on the insurance provider. However not all companies and state laws allow grace period. Skip to article
Written by:
Prachi Singh
Contributing Writer
Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the
USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the
USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
Typically there is no grace period for car insurance. State laws and insurance companies’ guidelines vary; if you do not pay before your due date, your auto insurance policy will terminate, and you will be without coverage. This applies whether you’re insuring a brand new car, a recently purchased used car, or switching insurance companies.
For example, Nevada’s Department of Motor Vehicles states very firmly that NV has no grace period in regard to car insurance. A one-day lapse in your insurance coverage in Nevada will result in a possible suspension of your registration. A fee of $250 will have to be paid to reinstate your registration privileges.
In Nebraska, there is a statute (NE Statute 44-516) that requires a company to give at least 10 days’ notice before canceling a policy due to non-payment, according to the Nebraska Department of Insurance. This is typical in most states for late payments but not for policy dates.
If your policy has been canceled and you want to have it reinstated after a lapse, and there are no specific insurance laws in your state regarding this. It is up to the insurance company’s discretion according to the rates and guidelines they have filed with the state.
You can check with your State’s Insurance Regulator to determine the specific rules that apply for how long after the due date your car insurance can be canceled if the premium is not paid and if the state has any grace period that auto insurance providers must grant you.
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the
USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
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Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.