How long it takes for an insurance policy to be canceled for non-payment depends on the company and its billing policy. Car insurance companies must notify you prior to canceling the policy. Each state has different notice periods, but it is typically at least 10 and as much as 20 days. You usually have a grace period before the notice goes out, so if you realize you’ve missed a payment, be sure to make it as soon as possible to avoid being canceled for non-payment.