Best Auto Insurance Companies That Don’t Charge Late Fees in 2025 (Top 10 Providers)
Amica, USAA, and Geico have the best auto insurance companies that don't charge late fees for missed payments, with a starting minimum rate of $59 monthly. Avoid auto insurance late fees with automatic bill pay. USAA has one of the most significant auto-pay car insurance discounts of 3%.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jan 27, 2025
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jan 27, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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768 reviewsCompany Facts
Full Coverage for Companies That Dont Charge Late Fees
A.M. Best Rating
Complaint Level
Pros & Cons
768 reviews
6,589 reviewsCompany Facts
Full Coverage for Companies That Dont Charge Late Fees
A.M. Best Rating
Complaint Level
Pros & Cons
6,589 reviews
19,116 reviewsCompany Facts
Full Coverage for Companies That Dont Charge Late Fees
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviewsAmica, USAA, and Geico are the best auto insurance companies that don’t charge late fees. They even offer small discounts if you sign up for automatic payments, reducing your risk of having late payments.
Other auto insurance companies that don’t penalize for a lapse in coverage are below.
Our Top 10 Picks: Best Auto Insurance Companies That Don't Charge Late Fees
| Insurance Company | Rank | Safe Driver Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 25% | A+ | Customer Service | Amica |
 | #2 | 15% | A++ | Military Families | USAA |
 | #3 | 25% | A++ | Online Services | Geico |
 | #4 | 20% | A++ | Financial Stability | Auto-Owners |
 | #5 | 30% | A+ | Personalized Service | Erie |
 | #6 | 25% | A+ | AARP Members | The Hartford |
 | #7 | 10% | A+ | Coverage Options | Nationwide |
 | #8 | 30% | A+ | Innovative Solutions | Progressive |
 | #9 | 30% | B | Agent Network | State Farm |
 | #10 | 25% | A | Various Options | Liberty Mutual |
If you had a late payment and lapse in coverage, try our comparison tool to find the cheapest auto insurance after a lapse in coverage.
- Amica is the best company that doesn’t charge late fees
- USAA and Geico also don’t penalize with late fees
- Frequent late payments may result in being dropped
#1 – Amica: Top Pick Overall
Pros
- Customer Service: Amica has decent customer service ratings. Learn more in our Amica auto insurance review.
- Discounts: Amica has a good selection of discounts, which you can learn about in our article on Amica auto insurance discounts.
- Add-On Coverages: Amica offers rideshare insurance, gap insurance, and other add-on coverage.
Cons
- Not Available in Hawaii: Amica sells auto insurance in all states except Hawaii.
- Annual Policy Availability: Amica doesn’t sell 12-month policies in most states.
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#2 – USAA: Best for Military Families
Pros
- Military Families: USAA has the best coverage and rates for military families who are shopping for insurance. Learn more in our USAA review.
- Non-Auto Discounts: USAA members can get discounts on shopping and traveling.
- Coverage Options: USAA offers plenty of auto insurance coverages for well-rounded policies.
Cons
- Eligibility: Most drivers won’t qualify for coverage because USAA is exclusively for military and veterans.
- Mainly Virtual Communication: USAA has few buildings with in-person agents.
#3 – Geico: Best for Online Services
Pros
- Online Services: Geico’s app allows customers to file claims, make policy changes, and more.
- Financial Stability: Geico is one of the market’s largest and most financially stable companies. Learn about its financial ratings in our Geico review.
- Discount Options: Geico has a good selection of discounts that benefit drivers.
Cons
- UBI Availability: Geico doesn’t offer its UBI discount in every state.
- Virtual Communication: Geico’s local agents aren’t as numerous as other companies.
#4 – Auto-Owners: Best for Financial Stability
Pros
- Financial Stability: Auto-Owners has good financial stability ratings. Read more about these ratings in our Auto-Owners review.
- Local Agents: Most customers will be able to find a local agent nearby.
- Accident Forgiveness: Good drivers are rewarded with accident forgiveness at Auto-Owners.
Cons
- Agent-Only Quotes: Auto-Owners doesn’t offer online auto insurance quotes.
- Availability: Auto-Owners’ auto insurance is not sold in every state.
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#5 – Erie: Best for Personalized Service
Pros
- Personalized Service: Erie’s agents can help customers create personalized policies, make policy changes, and more.
- Rate Lock: Erie’s rate lock is a huge plus for customers. Learn more about it in our Erie review.
- Discount Options: Erie offers good student discounts, diminishing deductibles, and more.
Cons
- Availability: Erie isn’t sold in all states.
- UBI Availability: Erie’s UBI program isn’t available in every state where it sells auto insurance.
#6 – The Hartford: Best for AARP Members
Pros
- AARP Members: The Hartford is a great choice of provider for AARP members. Read our review of The Hartford to find out more.
- Accident Forgiveness: Safe drivers can benefit from The Hartford’s accident forgiveness.
- Coverage Options: Customers can tailor policies to meet their needs.
Cons
- Best for Older Drivers: Younger drivers won’t get the cheapest rates at The Hartford.
- Customer Ratings: The Hartford has some negative customer satisfaction ratings.
#7 – Nationwide: Best for Coverage Options
Pros
- Coverage Options: Nationwide offers a variety of auto coverages, which you can read more about in our Nationwide review.
- Vanishing Deductibles: Nationwide reduces deductibles for safe drivers.
- Discount Options: Nationwide has good driver discounts, good student discounts, and many more.
Cons
- Availability: A few states don’t have Nationwide auto insurance.
- DUI Drivers: Nationwide’s rates for DUI drivers aren’t as competitive as other companies.
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#8 – Progressive: Best for Innovative Solutions
Pros
- Innovative Solutions: Progressive has some great innovative solutions for customers, like its Name Your Price Tool. Learn more in our Progressive review.
- Add-On Coverages: Progressive has options like pet coverage to round out a policy.
- Availability: Progressive auto insurance is sold in every state.
Cons
- UBI Rate Increases: Progressive’s UBI program may raise rates for drivers who score poorly.
- Mixed Reviews: Progressive’s customer satisfaction ratings are only average.
#9 – State Farm: Best for Agent Network
Pros
- Agent Network: State Farm has one of the best local agent networks. You can learn more about it in our review of State Farm.
- Financial Stability: The company has high financial stability ratings.
- Coverage Options: You can customize a policy with different add-ons and deductible options.
Cons
- Agent-Only Purchases: You can’t buy State Farm insurance online.
- UBI Availability: The discount from State Farm’s UBI program isn’t available in a few states.
#10 – Liberty Mutual: Best for Various Options
Pros
- Various Options: Liberty Mutual’s various insurance options make it easy to personalize and bundle policies.
- Discount Options: Liberty Mutual offers bundling discounts, good driver discounts, and many more.
- Financial Stability: Liberty Mutual has high ratings for financial strength. Read more about its ratings in our review of Liberty Mutual.
Cons
- UBI Availability: Liberty Mutual’s discount for safe driving is not available in all states.
- Customer Ratings: The company has some negative customer ratings.
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What to Do When You Miss an Auto Insurance Payment
If you miss an auto insurance payment, correcting the issue as soon as possible is important. If you don’t make a payment before the company’s grace period ends, it will drop you as a customer. This will result in a lapse of coverage, raising your future auto insurance rates.
Make sure to contact your auto insurance company immediately if you miss a payment so that it doesn't lead to coverage lapse. Lapses in auto insurance are serious, as driving without insurance is illegal.Brandon Frady Licensed Insurance Producer
If you are considering missing an auto insurance payment because you can’t afford to pay it, speak to your auto insurance company as soon as possible. An agent may be able to help you adjust coverages to make payments more affordable (read more: What to do if You Can’t Pay Your Auto Insurance).
Pay Premiums on Time to Save Money on Auto Insurance
There are quite a few discounts offered that center around payments. Paying online, paying in full, and other payment methods can earn you a discount.
Autopay is a great way to avoid late payments and earn discounts. Read more in our article on how to get an electronic automatic billing auto insurance discount. Paying automatically each month is often the best choice for most drivers.
If you aren’t sure how much your monthly automatic payments should be, below are the average month-by-month car insurance rates at the best companies that don’t charge late fees.
Auto Insurance Monthly Rates for Companies That Don’t Charge Late Fees by Coverage Level and Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
 | $46 | $151 |
| $33 | $87 |
 | $22 | $58 |
| $30 | $80 |
 | $68 | $174 |
| $45 | $115 |
| $44 | $105 |
 | $33 | $86 |
| $43 | $113 |
| $22 | $59 |
Most companies, such as Geico auto bill pay, make it easy to set up auto-pay no matter which coverage you purchase. They also offer plenty of discounts besides payment discounts that will help lower your rates.
Auto Insurance Discounts From Top Providers Companies That Don’t Charge Late Fees
| Insurance Company | Available Discounts |
|---|---|
| Safe Driver, Loyalty, Multi-Vehicle, Paid-in-Full Discount |
| Safe Driver, Bundling, Teen Driver, Green |
| Safe Driver, Low Mileage, Bundling, Safety Features |
| Safe Driver, Multi-Vehicle, Defensive Driving, Good Student |
| Safe Driver, Bundling, Multi-Vehicle, Newly Married |
| Safe Driver, Accident-Free, Defensive Driving, Anti-Theft |
| Safe Driver, Bundling, Snapshot Program, Multi-Vehicle |
| Safe Driver, Defensive Driving, Steer Clear, Good Student |
| Safe Driver, Anti-Theft, Defensive Driving, Bundling |
| Safe Driver, Low Mileage, Military Installation, Family |
Safe driving discounts are often among the biggest discounts possible at auto insurance companies. You can also look for auto insurance with no down payment to save further.
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— Amica Insurance (@Amica) December 10, 2021
How to Avoid Auto Insurance Late Fees
Knowing how to avoid late insurance fees is important. There are a few ways to avoid late fees.
- Auto-Payments: When you set up auto-pay, you are charged automatically monthly for insurance (read more about payment frequency: how often is auto insurance paid?).
- Payment-in-Full: You pay for the entire coverage period, often six months, so you don’t have to worry about monthly payments (learn more: Should I pay my auto insurance in full?).
You can often easily set up auto-payments or pay in full on a company’s app, such as Geico’s mobile app. Company apps make it easy to make payments instantly from your phone and avoid late payments. You can also pay online from your desktop or laptop (learn about online payments: Can I pay my auto insurance online?).
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Negotiating Auto Insurance Company Late Fees
If you are charged a late fee, there is often little you can do unless the company makes an error. However, if you are unable to pay the late fee, it doesn’t hurt to call the auto insurance company and try to negotiate the fee. The company may be able to drop the fee or work with you on a better payment plan.
Late fees aren’t as serious as a lapse in car insurance penalty, in which case you will need to get temporary auto insurance immediately to avoid driving illegally, so it may be easier to work something out with your auto insurance company.
Find the Best Auto Insurance Companies With No Late Fees
Amica, USAA, and Geico are the most popular car insurance companies that don’t charge late fees. However, you still need to be careful in avoiding late payments, which can result in an auto insurance lapse. Auto insurance for lapsed coverage is much more expensive, so making payments on time is important.
For more information, check out our article: What You Should Do If Your Auto Insurance Expired Yesterday
If you want to find the best auto insurance after a lapse in coverage, check out our free quote comparison tool.
Frequently Asked Questions
What happens if you miss an auto insurance payment?
If you miss an auto insurance payment, most companies offer a short grace period for you to pay without penalty. If you don’t pay within that grace period, you could be charged a late fee or have your insurance dropped. Find out how auto insurance payments work and avoid potential late fees.
Does Progressive charge a late fee?
Progressive doesn’t charge a late fee if you pay within its grace period. You can avoid fees by signing up for Progressive auto bill pay.
How much is a late USAA auto insurance fee?
It depends on how late the payment is. USAA doesn’t charge a late fee if you are within the grace period. To avoid late fees, look at your auto insurance billing options.
Does Allstate have an auto insurance grace period for late fees?
Yes, Allstate has an auto insurance grace period during which you won’t be charged late fees. However, it is easier to avoid fees on month-to-month auto insurance if you sign up for autopay.
Do auto insurance companies charge late fees?
Yes, some auto insurance companies charge late fees, and if you still don’t pay, they will cancel for nonpayment. If your insurance was canceled, read up on what to do if your auto insurance company canceled for nonpayment.
Does Nationwide have an insurance late payment policy?
Yes, Nationwide offers a grace period for car insurance. It will keep you covered under temporary car insurance for a certain period before terminating your coverage as a customer.
Can you dispute an auto insurance late fee?
If the late payment was due to a company error, such as its auto-payment not working, you may be able to dispute the fee.
How do you negotiate auto insurance late fees?
You can only negotiate auto insurance late fees if the company makes an error.
Does paying auto insurance late affect credit?
If auto insurance companies send your unpaid bills to debt collection, it can affect your credit score. Discover if not paying your auto insurance can negatively impact your credit.
Can I cancel my auto insurance at any time?
You can cancel your auto insurance anytime to switch to a better company. If you want to look for the best auto insurance with no deposit, try our comparison tool.
What is the State Farm late payment policy?
State Farm allows a grace period for late payments. If payment is not received within this period, your policy may lapse, which could increase your monthly rates.
Does State Farm insurance have a grace period for autos?
Yes, State Farm provides a grace period for auto insurance payments. During this time, you can pay without a lapse in coverage or additional penalties.
How does the State Farm insurance lapse grace period work?
State Farm’s lapse grace period allows a few days to restore your policy after missing a payment. To avoid higher monthly rates or cancellations, pay within this period. Learn if you can backdate your auto insurance to cover a lapse.
What is the USAA late payment forgiveness policy?
USAA’s late payment policy may offer forgiveness within its grace period. Paying within this timeframe prevents penalties or coverage lapses.
What is the Geico late payment policy?
Geico has a grace period for late payments, giving you time to settle the balance without canceling the policy. Enrolling in autopay can help avoid future issues.
What is the Geico new car grace period?
Geico provides a grace period for new car insurance coverage, typically lasting 7–30 days. To avoid coverage lapses, confirm the exact duration with Geico.
Who are the major car insurance companies?
The top auto insurance companies include Geico, State Farm, Progressive, Allstate, and USAA. These providers are known for competitive monthly rates and reliable coverage. Explore tips on how to choose an auto insurance company for reliable protection.
How does USAA compare to Erie?
USAA offers exclusive benefits for military families, while Erie is known for personalized service and competitive monthly rates. Your choice depends on your specific needs.
What happens with an Auto-Owners late payment?
Auto-Owners offers a grace period for late payments. Paying within this period prevents coverage lapses and avoids increased monthly rates.
Does Direct Auto have a grace period?
Yes, Direct Auto provides a grace period for missed payments. The length varies, so check your policy for timely payment and continued coverage.
What is the Liberty Mutual late payment policy?
Liberty Mutual allows a grace period for late payments. Payments made within this timeframe help you avoid penalties or policy cancellation. Understand if auto insurance premiums are usually billed a month early.
Does Allstate car insurance have a grace period?
Yes, Allstate offers a grace period for car insurance payments. Paying during this period ensures your policy remains active without extra fees.
How do you pay your Amica bill?
You can pay your Amica bill online, through their mobile app, or by enrolling in automatic payments. These options ensure timely payments and help avoid late fees.
What is the best car insurance after a lapse in coverage?
The best car insurance after a lapse in coverage includes providers like Geico, Progressive, and USAA. They offer affordable monthly rates and quick reinstatement options.
What is the cheapest auto insurance for a lapse in coverage?
Progressive and State Farm are the cheapest options for auto insurance after a lapse. These companies provide competitive monthly rates for drivers with coverage gaps. Compare the cheapest auto insurance companies to secure the best deal.
What should you do if you haven’t had car insurance for 2 years?
If you haven’t had insurance for 2 years, compare quotes from providers like Geico or Nationwide. While your monthly rates may be higher, you can still find discounts.
How can you get car insurance after not having it?
Contact companies like Progressive or Liberty Mutual to get car insurance after not having it. They specialize in offering policies for drivers in your situation, and shopping around can help you find the best monthly rate.
How long does a lapse in car insurance stay on your record?
A lapse in car insurance can stay on your record for 3–5 years, which may increase your monthly rates during this time.
What happens if you can’t pay your car insurance this month?
If you can’t pay your car insurance, contact your insurer immediately. Many companies offer grace periods or payment plans to help you avoid coverage lapses and penalties. Understand how to manage your auto insurance policy to avoid common mistakes.
What is the most trusted car insurance company?
USAA, State Farm, and Geico are often regarded as the most trusted car insurance companies due to their strong reputations and customer satisfaction ratings.
How much is the late fee for Allstate auto insurance?
Allstate typically charges a late fee of around $10-$15 for missed payments. Check your policy for specific details on late payment fees.
Can you avoid late fees?
You can avoid late fees by enrolling in automatic payments, paying online before the due date, or setting up reminders for upcoming payments.
Does Mercury Insurance have a grace period?
Yes, Mercury Insurance usually provides a grace period for late payments. The duration varies, so checking your auto insurance premium policy or contacting the company is best.
How long can you go without car insurance?
The amount of time you can go without car insurance depends on your state’s laws. However, any lapse can result in fines, higher monthly rates, or legal penalties.
What is a reasonable 6-month premium for car insurance?
A reasonable 6-month premium for car insurance is typically between $400 and $700, depending on your location, driving history, and coverage levels. This averages to $67–$117 monthly.
How can you waive a late fee?
You can get a late fee waived by contacting your insurer, explaining the reason for the delay, and requesting leniency, especially if it was a one-time occurrence.
Can you negotiate late fees?
Yes, late fees can sometimes be negotiated by calling your insurer. Explain your situation and ask for the cost to be reduced or waived. Learn how to cancel auto insurance the right way without fees or penalties.
Can late fees be removed?
Yes, late fees can be removed if the delay was due to an error or exceptional circumstances. Contact your insurer to dispute or request the removal of the cost.
What is the best car insurance in Georgia?
The best car insurance in Georgia includes providers like Geico, State Farm, and USAA. They offer competitive monthly rates and tailored coverage options for Georgia drivers. Explore top auto insurance companies that waive late fees using our free ZIP code comparison tool.
What is car insurance grace period in Illinois?
In Illinois, most car insurance companies offer a grace period of 7–30 days for late payments. Check with your provider for the exact duration to avoid a lapse in coverage.
What is the Progressive grace period for late payments?
Progressive typically offers a grace period of up to 10 days for late payments. Paying within this timeframe helps avoid coverage cancellation or penalties. Understand how to cancel Progressive auto insurance and explore new options.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.