There is no grace period with auto insurance. If you do not pay then normally your policy will cancel at 12:01 AM of the day listed on your payment notice or expiration date from your car insurance company. If you do not pay and your insurance lapses you do not have any coverage. There is no grace period for you to be covered for you to get a new insurance policy or reinstate your policy.

If you let your car insurance lapse and your insurer reports this to your state's Department of Motor Vehicles, which is required in many states, then you can face penalties for disregarding motor vehicle insurance laws. In many states you need to turn in your registration and plates if you cancel or have a lapse in auto insurance. If you do not do so then your registration and driver's license can be suspended for a period of time. Some states have stricter laws such as these suspensions as part of the penalty for a lapse in insurance while other states just require you to pay a fee and show proof of insurance after a lapse.

If possible do not let your auto insurance lapse. If it does and you are caught driving or even worse at-fault in an accident you will face penalties for driving without insurance and be held personally responsible for the damages you have caused since you did not have any car insurance in effect.

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