If a driver's car insurance is canceled due to nonpayment, insurers must provide notice before ending coverage. A person typically receives notice around 30 days before coverage is officially canceled. Act quickly when this happens. Try to work out a plan with the insurer or shop for more affordable coverage. People aren't allowed to legally drive without insurance. If an insurance policy is canceled, a motorist will have to apply for a new policy. People can shop around with other insurers or try to reapply with the company they were covered by before. A motorist can expect to pay higher premiums for new coverage if their insurance was canceled for nonpayment. Insurers will view someone who doesn't pay as riskier to insure. They'll raise that person's costs as a result. Also, an insurer could send someone who doesn't pay to collections, and their credit score could be damaged.