What Happens When You're Late On Your Car Insurance? 
Auto policies normally do not provide a grace period . When the policy is not renewed coverage ceases on the expiration date . Normally the company will issue a letter advising you of the date that coverage will cease . If that date is past you expiration date , you are responsible to pay the premium for that period of time , even if you chose to not renew the policy . The company may extend a period of time for you to reinstate coverage , but a cancellation letter is probably being sent at the same time . 