What is the grace period for car insurance in Oregon?

Asked by: Mrs. Orie Bergstrom  |  Last update: July 30, 2025
Score: 4.3/5 (40 votes)

The “grace period” for not paying your car insurance premium is short. If you are late on a payment, the insurance company can cancel your policy with just 10 days' notice, as long as the cancellation warning is printed on your bill.

How late can you be on car insurance payment?

It depends. 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 long can you drive after insurance expires?

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.

Is there a 10 day grace period for 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.

What is the general car insurance grace period?

Grace periods generally range between 10 and 20 days to allow you to pay the bill and avoid cancellation.

Three Things You Need to Know About Grace Periods and Car Insurance

19 related questions found

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 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.

What is the Progressive car insurance grace period?

Yes, Progressive has a grace period of 10 to 20 days for payments, with specific timeframes varying based on state law. During the grace period, policyholders can pay their past-due premium in order to avoid a lapse in coverage.

What happens if you get in an accident with expired insurance?

This situation can lead to several legal issues. You might face penalties, fines, or even legal action against you. Uninsured motorists are prosecuted vigorously, and if the accident was your fault, you could be held responsible for medical expenses and property damage.

How many days is the grace period for car payment?

Missing a car payment can trigger a series of potential consequences: Grace period begins: Most auto loans include a 10- to 15-day grace period, during which you can make a missed payment without incurring late fees or other consequences.

How long after car insurance lapse grace period?

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.

Can I get an extension on my car insurance?

If your auto insurance payment is not yet due, or it hasn't been processed but you know you won't be able to afford it, you may be able to postpone payment or extend the due date temporarily while you come up with the money. Depending on your insurer, you may not even have to call an agent to do so.

What happens if I don't renew my car insurance on time?

If you let your car insurance expire, you may have to pay a higher premium when you reapply for coverage in the future. The insurance company may also view you as high-risk and offer you a higher rate or refuse to cover you. In the case of an accident, you'll be liable for any damage or injuries you cause.

Is it OK to be late on car insurance?

Late Fee Assessment: A late fee is often added to your outstanding balance. Policy Lapse: If the overdue payment remains unpaid after the grace period, your policy coverage will lapse. This means you'll be driving without insurance, which is illegal in most states.

Can a lapsed insurance policy be reinstated?

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

What is the direct auto grace period?

Direct Auto Insurance offers its policyholders an 11-day grace period to make a past-due payment. After this, the policy will be canceled.

Do insurance companies go after uninsured drivers?

While insurance companies may pursue uninsured drivers to recover claim costs, the process can be complex and time-consuming. Uninsured drivers involved in accidents should seek legal counsel promptly to protect their rights and explore possible compensation avenues.

Is it illegal to pay out of pocket for a car accident?

Strictly speaking, paying out of your pocket for a car accident isn't illegal, but accepting the offer may have unwanted consequences.

What happens if I can't pay my car insurance this month?

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.

Do insurance companies have to offer grace period?

Most insurance companies have what's called a car insurance grace period, that is, an amount of time after a payment's due date in which you can still pay your missed premium before your company cancels your policy. Most car insurance companies have a grace period of between 3 and 30 days.

Will Progressive extend payment date?

Progressive will allow customers to extend their due date up to 10 days later. The only time this doesn't apply is on the first payment of a renewal term.

Do you have to keep insurance on a car that doesn't run?

Legally, you don't need insurance coverage for a car that's not being driven and is in storage. However, if the vehicle gets stolen, vandalized, or damaged in an accident or weather-related event, you'll be responsible for any resulting expenses if you don't carry insurance.

What to do if no car insurance will take you?

If you're denied insurance, the first step is to call another insurer—different companies have different parameters. However, if several insurers have denied you, you may need to consider these options: Join a state assigned risk pool – Auto insurers participate on a voluntary basis in state assigned risk pools.