When does my car insurance expire?

When your car insurance expires depends on the term length of your policy. Car insurance expiration dates are typically six to twelve months from the initial start date. Your auto insurance policy and insurance I.D. cards will list your auto insurance expiration date, but you can also call your provider to find out exactly when your auto insurance expires.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 30, 2020

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Here's what you need to know...

  • When you buy an auto insurance policy, the policy period will last for either six months or 12 months
  • You can find your term on your declarations page. It will show an effective date and an expiration date
  • When the policy approaches the expiration date, the company will underwrite your risk and determine if they still want to do business with you. You will either get a non-renewal notice, a renewal bill, or a notice stating that your term has expired
  • If you fail to make a payment after you receive your renewal bill, your policy will expire. Some companies offer automatic renewals where the premium due will be deducted from your account to keep your policy active
  • When insurance expires, it ends on the expiration date of the term. When insurance cancels, it will terminate before the term is up. The most common reason for a cancellation is nonpayment of premiums

Letting your insurance cancel can be dangerous. If you drive with a policy that’s been terminated by the company, you’re at risk of having an uninsured loss. Even uninsured drivers who don’t experience losses have to worry about being cited or penalized by law enforcement officers, the courts, or their finance companies.

Even uninsured drivers who don’t experience losses have to worry about being cited or penalized by law enforcement officers, the courts, or their finance companies.

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If you fail to make a payment to your insurer, your policy will cancel due to non-payment. But not many people discuss when or how an auto insurance policy expires. An insurance expiration can be just as dangerous as a cancellation. Here’s what you should know so that you’re never stuck without coverage:

What is a car insurance term?


Insurance policies are sold in terms. The term is the policy period where the rates that you’re quoted will remain valid.

It consists of an effective date and an expiration date that can both be found on your declarations page or your ID cards. As long as you do your duty as an insured, your coverage will remain active at least until the term ends.

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What is a car insurance renewal?

A policy doesn’t just end when it’s about to expire. Instead, companies will process renewals.

A car insurance renewal is a document that shows how much you will pay after the policy has been reviewed and your new rates have been calculated. This document is sent to the policyholder about 30 to 45 days before the policy is to expire.

Do insurance policies automatically renew?

Every company has its method of processing renewals. While most states do require insurers to notify clients in writing before a policy expires, many providers have changed their processes to help their clients keep their insurance active.

This is why a lot of companies are letting policyholders set up automatic renewals.

If you have your policy set up for automatic renewal, the policy won’t expire if you don’t manually make a payment. In fact, when you give your permission, the company will take either the full payment or a monthly installment directly from your account on file.

If you don’t want to continue coverage, you simply notify the insurer before the renewal date.

What is the difference between a policy cancellation and a term expiration?

The terms cancellation and expiration are often used interchangeably. In the insurance industry, these terms are very different.

When a policy cancels, the coverage is terminated in the middle of the term at the client’s request or because the insurer initiated it.

Insurance carriers can only order mid-term cancellations for a few reasons:

  • Non-payment of premiums
  • Fraud or material misrepresentation on the application
  • Filing a fraudulent claim
  • Loss of driving privilege

If the insurance term expires, the coverage simply ends. It isn’t canceled for failing to comply with the insuring agreement, but the coverage still won’t protect you if you have a claim after the policy lapses.

If a policy non-renews because the policyholder is no longer eligible for coverage, it is still considered an expiration.

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Can an expired policy affect your insurance history?


Letting your insurance lapse is never a good idea. Many insurance companies will look at your insurance history and how your relationship ended with your past insurer before extending you an offer for insurance.

Letting your policy expire isn’t as bad as letting it cancel for non-payment, but it can still affect your discounts if you have a lapse.

What can happen if your insurance coverage expires?

If you don’t activate a new insurance policy before your coverage ends, you could be at risk of having an uninsured loss. This could leave you in court defending yourself on your own dime or paying for damages out of your own pocket.

If you don’t have a loss, you can still be fined by your lender and by the state for failing to carry coverage required by your contract and the law.

Instead of having to pay hefty fines or expensive surcharges, be sure to keep track of when your insurance renews. You should always look out for renewal documentation in the mail weeks before the term is up.

If you’re not happy with the new rates that you’re being charged, shop around using an online rate comparison tool and see if you can save money elsewhere.

If you are searching for car insurance, be sure to enter your zip code below to compare rates from multiple companies.


  1. http://www.tdi.texas.gov/pubs/consumer/cb020.html
  2. https://www.irmi.com/online/insurance-glossary/terms/d/declarations.aspx
  3. http://carinsurance.about.com/od/PolicyFundamentals/a/What-Is-An-Insurance-Renewal.htm
  4. http://www.dfs.ny.gov/insurance/ogco2001/rg105233.htm
  5. http://www.helpinsure.com/auto/autoglossary.html
  6. http://carinsurance.about.com/od/PolicyFundamentals/a/What-Is-An-Insurance-Renewal.htm
  7. http://www.tdi.texas.gov/rules/bor-home-english.html
  8. http://insurance2.illinois.gov/autoinsurance/auto_cancel.asp
  9. http://carinsurance.about.com/od/California/a/Penalties-For-Driving-Without-Car-Insurance-In-California.htm

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