What Happens When You're Late On Your Car Insurance? 
That is a great question ! Typically , if you are only a couple of days late , not much . The problems start when you are more than 20 days late , or are frequently late with your payments . Once your payment gets to be 30 days late , you are in serious risk of the policy cancelling , and then you are an uninsured driver , with all the penalties that go with that . You will also have trouble getting reinsured , and can expect to pay a much higher premium for a while . Frequently being late can have an adverse effect on your credit rating , and that means you can expect higher interest rates on your credit cards or no credit at all . I hope that helps , thanks for asking ! 