Can you change the date your car insurance is due?

You may be able to change the due date for your car insurance, but you should look into changing your policy if you cannot afford your monthly premiums.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 11, 2022

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Things to remember

  • You should always pay your car insurance premium by the due date
  • Once you miss a premium payment, your auto insurance company can cancel your coverage
  • You can check with your insurer about flexibility in terms of due dates for your insurance payment

Auto insurance is necessary, but it can be daunting to pay an auto insurance premium month after month. In addition, when all your other bills come in simultaneously, it may be easy to miss a payment or simply not have the funds to pay what you owe.

Unfortunately, if you miss a car insurance payment, your insurer has the right to cancel your coverage. Because car insurance is required to drive legally, you should pay your monthly premiums on time. Whether or not you can change the due date of auto insurance, you need to make sure you can pay it.

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Can I change the due date of my auto insurance?

Your car insurance company may let you change the due date for your coverage, but every company is different. To learn more about changing the due date for your car insurance premium, you should call your company and speak to an agent or representative.

Among other things, your car insurance agent may ask you why you are interested in changing your insurance due date. Your answer may be that you have too many bills due at the same time of the month, or it may be that you do not have enough money to pay your premium regardless of the time of the month that it is due.

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The Importance of Paying on Time

If you’re requesting that your insurance company change the day of the month your insurance premium is due, you may already understand how important it is to pay your bill on time.

Car insurance companies are all about assessing risks. If policyholders are late on a payment or two, or if they skip monthly payments altogether, even the safest drivers are likely to be seen as high risk by their insurance providers.

Failing to pay your car insurance premium on time is a breach of contract with your insurance company. If you let enough days pass, your insurance company may have the right to increase your monthly rates because of your risk class or cancel your auto insurance coverage altogether even if you are one of the safest drivers.

While it may be helpful to change the date of your car insurance payment to a day or two after you get paid each month, you should look into changing your policy if you find that you are consistently having a hard time paying your car insurance premium.

How can I make my auto insurance cheaper?

Anyone looking to pay less for car insurance may find cheaper policies using a few different tactics. 

First, you should shop online for car insurance coverage with multiple providers in your area. Compare quotes with various companies based on different coverage levels, and determine which insurance companies offer the coverage you’re looking for at a price you can afford each month. 

Once you’ve found a few companies that offer competitive rates, call each company individually and ask about discounts. For example, car insurance companies often offer discounts as incentives to policyholders. 

Standard car insurance discounts include:

  • Multi-car
  • Multi-policy
  • New car
  • Paid-in-full
  • Paperless
  • Safe driver
  • Low mileage
  • Occupation

When you call the car insurance company, also ask about less common discounts that may work for you. If you find that specific discounts apply to your policy, ask how much the discounts would lower your monthly rates.

If you’ve shopped around online and looked for discounts, but car insurance coverage is still too expensive, you may want to consider choosing a lower level of coverage. 

Choosing a lower level of coverage is often the last resort, as you would pay more out of pocket in certain instances if you ever had to file a claim. But choosing a lower level of coverage, like going from a full coverage policy to a liability-only policy, may lower your monthly rates enough so that your car insurance premium would work with your budget.

Changing Your Car Insurance Due Date: The Bottom Line

Your insurance company is likely to allow you to change the day of the month your car insurance premium is due. In order to avoid any gaps in coverage, be sure to request the date change before you are considered late on a payment.

If you have a hard time making your auto insurance payments every month, you may want to look for cheaper coverage. You can compare car insurance quotes online, ask about specific discounts, and even lower your level of coverage.

Car insurance can be a bit of a financial burden, but there are ways to find coverage that works for you and your family and still fits your budget. 

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