Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Sep 26, 2020

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Here's what you need to know...

  • Every car insurance company has a different procedure in terms of how they handle payments and when the due date is for your premium
  • You can find payment due dates on any recent bill sent from your car insurance company
  • If you cannot find your most recent car insurance bill, check your email in case you signed up for online payments
  • Your bank records will also be able to show you the dates of your last auto insurance payment to give you an idea of the future deadline
  • If all else fails, just call your auto insurance agent for information on your billing particulars

Finding out the deadline for your car insurance payment is pretty easy to do.

If you receive a paper bill in the mail, your deadline will be available on the bill. Otherwise, it might be in your email messages if you signed up to receive online statements for your premium.

A quick call to your auto insurance company will get you the basic payment information you are looking for. Enter your zip code above to find a car insurance company with rates you can afford!

Paying Your Car Insurance Premium


There are different options available for paying your car insurance premiums depending on how your insurance company is.

Some companies will offer monthly billing terms, while others will require you to pay your premium at the beginning of your policy term. Typically, policy terms are either for six or 12 months at a time.

Your auto insurance card will probably not have the dates that your payments are due listed, but it will be able to show you the effective dates of your insurance policy.

If you do not have any other documents on your policy, then a call to your car insurance agent is probably in order so that you can make your payment on time.

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Why You Cannot Miss a Car Insurance Premium Payment

Your legal obligation to maintain car insurance extends beyond simply signing up for a policy. You are also required to pay for it.

If you simply stop making your payments or are consistently late with your premium payments, it is likely that you will have your coverage dropped by your car insurance company.

They may be required under your state law to provide some sort of advance warning, but you really do not want to let things get to that point. It is far better to be proactive in making your premium payments on time.

Keep in mind that if you do have your policy canceled for missing payments, this will show up on your insurance record.

Other companies may have access to this information from credit reporting agencies and will probably rely on this data to justify charging you a higher premium for your next insurance policy.

Even though it may be tempting to let your payment deadline pass by, it is never a good idea in terms of having the required coverage and not paying more for coverage in the long-term.

If you are dealing with a canceled insurance policy, you may want to contact your state insurance commissioner to see what options are available to you to get the immediate coverage that you are required to maintain.

This can help you avoid fines and even bigger legal problems down the line.

Options if You Cannot Pay for Your Car Insurance Premium


If you know that you simply cannot afford your car insurance payment, you need to act quickly to explore other options for keeping the required coverage. The first thing you should do is call around to other auto insurance companies and see if you can get the same coverage for less money.

There may even be discounts that apply to your policy that you have not yet thought of. Every company works differently in how discounts are applied, which is why it pays so much to shop around.

If you have optional insurance policies, like comprehensive or collision coverage, consider raising your deductible on those policies before dropping the coverage altogether.

The benefit of doing this is that you will still be protected in the event that your car is damaged, but you will not have to pay as much for your premium. Ask your auto insurance agent about what intervals are available for increasing your deductible and by how much it would lower your premium payment.

If all else fails, you may need to temporarily drop your supplemental coverage. This is never really recommended because it can end up costing you much more in the long-term if you are not covered for a major incident.

You may not even be allowed to drop these coverages if you have leased or financed a car and they are a part of the signed loan agreement. Your best bet is to try to reduce coverage under these policies before completely dropping them.

The Final Word on Finding Out When Your Car Insurance Payment is Due

Your auto insurance agent is your primary source for all billing questions related to your policy. It is probably much more efficient to contact your agent directly than calling the general car insurance company number for specific questions about your policy.

If you are behind on any payments, it is best to catch up immediately so that you are not ultimately dropped from coverage by your car insurance company.

Enter your zip code below to compare car insurance rates from multiple companies at once!