Can you get car insurance if it lapsed?
Jessica Young
Published Jan 19, 2026
How do you get car insurance after a lapse? If your lapse was brief and due to a missed payment or renewal, your auto insurer may reinstate your policy once you pay. Some companies charge an insurance lapse fee, so check your policy.
Does NC have a grace period for a lapse in insurance coverage?
Lapsed Coverage An individual wanting to relicense their vehicle after the revocation period is required to pay a $50, $100 or $150 civil penalty depending on how many prior paid lapses there are within a three-year period. Failure to do so could result in a civil penalty.
What does it mean when your car insurance lapses?
A lapse in car insurance coverage means you own a vehicle that no longer has the state-required minimum coverage limits. The auto insurance industry considers the lapse period to be from the time your coverage stops until: You get new car insurance coverage (or your coverage is reinstated). You surrender your vehicle plates.
Can You reinstate car insurance after a lapse?
If you’re a Root Insurance customer and your car insurance lapsed, you may still be able to reinstate. And there’s no additional fee to reinstate with Root. It’s going to be harder and more expensive to get reinsured after a lapse. Once you do find a company to insure you, your state may require you to file an SR-22.
What happens if my car insurance lapses in New Hampshire?
A lapse in coverage usually means you need to reinstate with the company you were previously with, if possible, or find a new insurance company. But remember, driving without insurance is illegal, unless you live in New Hampshire. How can you avoid a policy lapse? If possible, it’s best to avoid a coverage lapse in the first place.
Can a car insurance policy lapse in Virginia?
In Virginia, for instance, an auto insurer may legally cancel your policy for non-payment if the payment is even one day late. If you receive a notice saying you haven’t paid your premium, don’t just sit there and wonder, “How long can my car insurance lapse?”
