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Your Insurance Agent can best advise you of the laws in your state. Each U.S. state regulates it's own insurance industry so the rules may vary from state to state.

No, Auto Insurers are not allowed to make up there own rules and there are no required grace periods under the law.

In most U.S. states, If your policy is cancelled due to non payment of premium to the company, they are required to send you a 10 day notice prior to cancellation. It's not a grace period it's just a 10 day notice. This confuses many people and gives some the impression of grace period.

If your policy has simply expired and renewal premium was not submitted then the policy term is ended, it would not be considered cancelled and no additional notice would be required.

In most U.S. states, If the company of it's own volition decided not to renew your policy they are required to notify you 30 days before expiration of the current policy that they will not be offering you a renewal.

These are General rules in Most U.S. states but may vary from state to state.


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Q: Do auto insurance companies have a grace period by law or do they make their own rules?
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