Yes, Progressive has a grace period of 10 to 20 days for payments, with specific timeframes varying based on state law. During the grace period, policyholders can pay their past-due premium in order to avoid a lapse in coverage. If the grace period ends without the necessary payment being made, Progressive will cancel the policy. And even if the policyholder pays the balance within the grace period, Progressive will still charge them a $10 but can vary by state.
If you have autopay set up but don’t have sufficient funds to make a payment, Progressive allows you to delay the automatic payment for up to ten days. However, this is separate from the grace period. After ten days, you will be automatically charged, and if you cannot pay the owed amount, Progressive will send you a notice of cancellation.
When Progressive sends a notice of cancellation, it will include the final date that they will accept full payment before your coverage lapses. Since almost every state requires you to have car insurance, a lapse in coverage could lead to serious consequences, including fines and even a license suspension if you’re caught driving. Additionally, a lapse in coverage designates you as a high-risk driver and can make car insurance more expensive in the future, so it’s important that you pay your car insurance premium prior to the final cancellation date.
This answer was first published on 04/25/23. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
FAQs
Progressive offers a grace period if you're late on payments. However, after 10 to 20 days, depending on your state's law, you could face a lapse in coverage. If you're struggling to make your payments, reach out to Progressive immediately to see what options it can offer.
How late can you be with Progressive? ›
What happens if your Progressive auto insurance payment is late? Dependent upon the state you are in you should always have a grace period. Most states you have between 5 -10 days before a late fee is added to your next bill.
How many days late can you pay insurance? ›
Many insurance companies offer grace periods seven to 30 days after the due date. During your grace period, your coverage remains active, and you can pay your bill without penalties. Be sure to review your policy or contact your insurance company for more information on their late payment policy.
Can I postpone a payment with Progressive? ›
Progressive customers can reschedule their upcoming payment date to be up to 10 calendar days after their original due date through the company's online billing portal, or they can contact the company directly by calling 800-776-4737.
What is the grace period for a new car on Progressive? ›
With Progressive, you have 30 days to transfer your insurance to your new car. The coverages you have on your previous vehicle will still apply to your new car during that period. Simply log in or call us at 1-800-776-4737 to add the vehicle to your policy.
Can Progressive give you an extension? ›
Extend your due date. Progressive will allow customers to extend their due date up to 10 days later.
Does Progressive allow you to skip a payment? ›
Your car insurance policy won't be cancelled immediately because you miss a payment. Auto insurance companies are required by state law to provide notice before cancelling your policy. Depending on the state, you'll usually have between 10 and 20 days.
Can I make a partial payment to Progressive? ›
Yes, like most national insurers, Progressive partial payment plans are divided across monthly policies. Policyholders can make payments online or call the Progressive phone number to make payments with an agent.
Who is cheaper, Geico or Progressive? ›
Geico's rates are typically lower overall, but Progressive tends to offer better prices to high-risk drivers. High-risk drivers are those with a recent DUI, at-fault accident or speeding ticket on their driving record. Of course, costs vary by driver, and your rates are determined by a number of factors, including: Age.
What is an insurance policy's grace period? ›
An insurance grace period is a designated time frame in which a policyholder can make a late premium payment and keep their coverage in force. During the grace period, coverage remains intact, allowing policyholders to avoid immediate cancellations and legal penalties.
If you buy directly from a Progressive company, your car insurance price reflects the cost of staffing and maintaining the sales centers, and a larger portion of our marketing costs.
Does Progressive raise rates after 6 months? ›
Your Progressive rates may increase after six months depending on a number of factors. Like other car insurance providers, Progressive will typically raise your rates if you receive a speeding ticket or moving violation, cause an accident or make comprehensive insurance claims.
Does Progressive leasing have a grace period? ›
You have a 10-day grace period after you receive your merchandise where no payments will be scheduled. Your payment frequency is based on the payday schedule you provided during your lease-to-own application. You will also receive a payment reminder email prior to each scheduled payment.
What does Progressive consider late night driving? ›
As much as you can, avoid driving between 12 a.m. and 4 a.m. on weekends when the roads can be more dangerous. Video: [“Avoid late night driving.”
What happens if I miss a Progressive leasing payment? ›
If you have missed the 3 business day deadline, we are unable to make any changes to your payment and your payment will still be processed. If your payment is unsuccessful, we will attempt to collect the payment from the secondary payment method on file. If both payments are unsuccessful, you may incur an NSF fee.
What is the golden rule at Progressive? ›
Golden Rule
We respect all people, value the differences among them, and deal with them in the way they want to be dealt with. This requires us to know ourselves and to try to understand others.
