Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jul 14, 2021

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In a nutshell...

  • Your insurer has a right to cancel your car insurance on the spot if you miss a payment for a certain duration of time
  • Most insurers are flexible and will allow you to make changes to your due date
  • Car insurance due dates can often be changed online or over the phone
  • Before signing a contract with your insurer, be sure to confirm whether they will allow you to change the due date

Not paying your car insurance could make your coverage be cut off by your insurer, leaving you without the necessary auto insurance in your state. Also, you could get really stuck if your policy has been canceled and you want to make a claim.

Unfortunately, a lot of bills come in month-to-month and this can be a bit overwhelming. Some due dates will simply not work with us, and for this reason, we may want to adjust the due date so that it can be easier for us to manage.

It is, therefore, important to understand whether or not the insurance company you are choosing can offer something like this.

Compare top insurers side-by-side today using our free rate tool above.

Who dictates what you can change?


Insurance providers have the ability to control what you can alter and what you cannot when it comes to your car insurance policy. There are those insurers who will allow you to select a due date before you bind coverage.

Others will allow you to alter the due date for your premium even after the insurance has gone into effect. For instance, if you are two months into the contract and you notice that the due date does not work for you, some insurance providers will let you alter it at this point.

Some car insurance providers are, however, going to be stricter. They will literally dictate what the due date for your car insurance will be and force it on you. As a consumer, this is not a good thing as it takes all the power off your hands.

When shopping around for insurance quotes, be sure to ask as many questions as possible to know what options you have before signing that contract.

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Changing Your Due Date

Your monthly premium payment is always payable on the same date. The payment can either be made with a check or online. You can even permit the auto insurance provider to take an automated payment every month from your debit or credit card account.

Some insurance companies will give you up to a certain date to make changes to your premium payment terms, like the payment date.

This allowance is why it is important to contact your insurer as soon as possible and let him/her know that you want to make an adjustment to your car insurance premium due date.

The fastest way to do this would be to call your agent directly. Check your billing statement to get his/her telephone number and the account number of your policy. You can also call the regular toll-free number for customer care and ask to be transferred to your agent.

Tell the agent that you wish to alter the due date of your insurance premium.

You will probably need to answer a few questions to identify yourself then the agent will give you a new due date. You should be able to see your new due date on the next billing statement.

You can also make changes to your insurance payment date through your insurer’s website, or through their smartphone application.

Consider the Customer Service


It is paramount to consider customer service when choosing an auto insurance company. This is to ensure that your insurer can accommodate your reasonable requests, like changing the payment date for your monthly premium.

That is why it is not enough to simply go for the company that offers the lowest rates. Consider other factors too when shopping around for the most preferred insurer.

If you need to reduce the price for your auto insurance to be able to pay your premiums early, then consider increasing your deductibles. It is the simplest way to lower the amount paid for supplemental auto insurance coverages.

You should pay for your car insurance premium on time so that your policy is not canceled by the auto insurance company. Also, if you are constantly late with your premium payments, your insurer may refuse to renew it for another term.

As a consumer, it is important that you find a car insurance company that is flexible enough to allow you change the due date of your insurance premium.

If your current insurer does not offer that alternative, then it is time for you to start shopping around for another insurance provider who will give you the power to choose the date that you are comfortable with and also favorable rates that will not be too hard on your budget.

Compare quotes today and see how much you could save on car insurance.