How long do you have to reinstate a lapsed car insurance policy?

Asked by: Brody Crona  |  Last update: May 18, 2025
Score: 4.3/5 (55 votes)

If your auto insurance policy lapses, typically due to a missed payment, most car insurance companies will give you a grace period to get back on track. The period of time to make up the payment without a lapse in coverage varies, but it's often 10 to 20 days.

How long do I have to reinstate my car insurance?

Steps to Reinstate Your Canceled Car Insurance Policy

Most insurance companies offer a grace period, usually around 30 days, during which you can make up missed payments and reinstate your policy without a lapse in coverage.

Can a lapsed insurance policy be reinstated?

Typically, insurers allow parties to reinstate a lapsed policy within three to five years after the lapse.

Is there a grace period for lapsed car insurance?

Car Insurance Lapse Grace Period

If you missed the due date on your monthly payment, you typically have a few days to pay your bill. This is known as a car insurance lapse grace period, and it typically lasts between 10 to 20 days depending on where you live.

How long can an insurance policy lapse?

A policy does not lapse each and every time a premium payment is missed. Insurers are legally bound to give a grace period to policyholders before the policy falls into a lapse. The grace period is usually 30 days. Insurers provide policyholders a period of 30 days to pay for the missed premium deadline.

How Much To Reinstate Car Insurance? - InsuranceGuide360.com

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How do I revive a lapsed insurance policy?

To revive a lapsed policy, policyholders must settle any overdue premiums along with any applicable fees or interest. Work with your insurer to determine the amount owed and make arrangements to pay it promptly. Keep records of payment transactions for your records and verification purposes.

How to get car insurance after a lapse?

Step 1: Contact your auto insurance provider.

Ask what happened, when it lapsed, and what they'd suggest for getting it reinstated. See if you might possibly have to pay a late fee, a reinstatement fee, or higher premiums because of the lapse.

Is there a grace period for Cancelled car insurance?

You'll usually have 10 to 20 days between the date of the cancellation notice and the date you are no longer covered. The exact amount of time differs by state. After that, your insurance will officially lapse and you'll no longer be able to drive your car legally.

What happens if I miss one car insurance payment?

If you haven't made your payment by the end of the grace period, your policy could lapse, leaving you uninsured. Having a lapse in coverage can result in fees, penalties and other costly consequences that can haunt you for years. Here's how a car insurance grace period works.

What happens if your car insurance lapses in Geico?

A lapse in coverage can make it harder for you to get insurance in the future and can result in higher premiums. Your state may also impose penalties, such as fines and suspensions of your registration or driver license. Please note, these notices do not include late charges.

How do I reinstate a lapsed policy?

Here's what you need to do:
  1. Contact your insurer: Most insurers allow a grace period (usually 30 days) after the lapse during which you can reinstate the policy without additional formalities. ...
  2. Submit a reinstatement application: After the grace period, insurers typically require a formal request for reinstatement.

Which of these is required to reinstate a lapsed policy?

Most insurers will require the following when reinstating a lapsed policy. All past due premiums, plus interest if applicable, must be paid. Any outstanding loans on the lapsed policy may be required to be paid back. Evidence of insurability may be required.

What is the insurance reinstatement fee?

Reinstatement insurance refers to restoring a policy or coverage that has lapsed or been canceled, often by paying a reinstatement fee or making up missed payments. The purpose of reinstatement is to provide continuity of coverage for the policyholder.

When can an insurer refuse to reinstate?

Reinstatement After 30 Days of Lapse

If the insured developed a major health condition during that time, the insurance company might decline reinstatement.

What is a limit reinstatement in insurance?

Aggregate Limits Reinstatement is an insurance policy clause that allows policy limits to be returned to their maximum amount during the policy's extended reporting period.

Can I reactivate my insurance?

How to reinstate a health insurance plan. In order to reinstate your health insurance plan, you must contact your health insurance provider. If your plan was terminated because of nonpayment, you may need to pay back the missed payments before your plan can resume.

How long are you penalized for a lapse in car insurance?

What is a car insurance lapse grace period? Your car insurance policy won't be cancelled immediately because you miss a payment. Auto insurance companies are required by state law to provide notice before cancelling your policy. Depending on the state, you'll usually have between 10 and 20 days.

Can I reinstate my car insurance after cancellation?

If your car insurance was canceled because you didn't pay your premiums, you may be able to reinstate it. Many insurance companies offer a grace period after you've failed to make a payment. During the grace period, your car insurance can be reinstated once you pay the missed premiums and any fines, interest or fees.

What is the grace period for insurance?

An insurance grace period is a defined amount of time after the premium is due in which a policyholder can make a premium payment without coverage lapsing.

How long can you drive after insurance expires?

“Auto insurance companies are required by state law to provide notice before canceling your policy.” Drivers usually have between 10 and 30 days after missing a payment before coverage is canceled, Progressive said.

How long can you be late on car insurance?

Many insurance companies offer grace periods seven to 30 days after the due date. During your grace period, your coverage remains active, and you can pay your bill without penalties. Be sure to review your policy or contact your insurance company for more information on their late payment policy.

How to get car insurance after being dropped?

If your car insurance coverage is dropped, you may want to try the following steps:
  1. See if your provider is willing to consider reinstating your coverage. ...
  2. Contact your state's insurance commissioner for an appeal. ...
  3. Look for a new insurance provider.

What happens if you let an insurance policy lapse?

Key Takeaways. Life Insurance Policy Lapse occurs due to missed premium payments, leading to loss of coverage. The implications of a lapse can be significant, from lost coverage to higher future premiums. While reinstating a lapsed policy is possible, it often comes with conditions and potential costs.

How long can you go without car insurance?

It is a crime to drive almost anywhere without car insurance coverage, even for a minute or just down the street. So, how long can you be without car insurance? If you're driving, you can't. Anytime you get behind the wheel as a licensed driver, you need insurance coverage or you'll risk incurring major consequences.

How much does insurance go up after a lapse?

As a result of a lapse in coverage, your insurer will likely raise your rates. Based on our analysis, drivers with a coverage lapse of 30 days or less saw an 8% average car insurance rate increase. And those with a coverage lapse greater than 30 days saw an average rate increase of 35%.