Can you get car insurance if your policy was canceled?

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In a nutshell...
  • Car insurance companies must have a reason before they send you a cancellation letter
  • You can get a new car insurance policy if your previous policy was or is being canceled
  • Depending on why your policy was canceled, you may be categorized as a high-risk driver
  • A comparison tool can help you find a new policy before your cancellation date

You can absolutely get car insurance if your insurance policy was canceled. However, the reason it was canceled may affect the price of your new policy, especially if it was canceled for a reason that put you into the high-risk category.

If you need car insurance after receiving a cancellation notice, you can use a car insurance comparison tool to quickly locate a new policy from a different insurance carrier.

Try our FREE online quote tool and get the best auto insurance rates today! Start comparison shopping by entering your ZIP code above!

Reasons Car Insurance Policies Are Canceled

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Auto insurance carriers are not allowed to cancel your car insurance policy on a whim. Every state, including Illinois and New Jersey, have insurance laws that protect both the driver and the insurance carrier.

  • Not Paying Your Car Insurance on Time or at All – In order to maintain an active insurance policy, you must pay your premiums on time. If you are frequently late or entirely fail to make a payment, your car insurance company can cancel your policy.
  • Driving Under the Influence – If you are caught driving under the influence of alcohol or drugs, your car insurance company may cancel your policy. The insurance company will determine that you are a high-risk driver, which is especially true if you get into an accident while under the influence.
  • Too Many Driving Infractions – If you get an excessive number of speeding tickets or driving infractions, your insurance carrier may cancel your policy. Your risk of getting into an accident are seen as being higher than drivers that always obeys the traffic laws.
  • Fraud – Lying on your car insurance application or filing fake or misleading car accident claims can result in the cancellation of your policy as well as legal consequences.

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The Importance of Getting a New Insurance Policy Quickly

If you have recently received a notice that your car insurance policy will be canceled, read the letter carefully and note the date in which your policy becomes invalid.

You will need to purchase a new policy before that date.

It is also important to note that when a car insurance company lists a date, it could be at 12:01 a.m. on that specific date.

For example, if your letter lists July 21st, your car insurance may expire at 12:01 a.m. on the 21st.

If you were to get into an accident at 8 a.m. on the 21st, you would not have car insurance unless you purchased a new policy and it was active at the time of the collision.

How to Get New Insurance After a Cancellation

To find and purchase a new auto insurance policy before your car insurance cancellation date, you should use a comparison tool.

Auto insurance comparison tools take the legwork out of searching for an affordable policy for your vehicle.

Instead of checking 10 or 20 individual insurance websites, the tool searching through the list of available policies in your local area.

The comparison tool then compares the data you entered against those policies. Once it’s finished processing your request, it sends you a list of all the insurance policies that best meet your criteria.

When comparing the various insurance policies, make sure to look at the overall price as well as the coverage limits and explicit exclusions. Once you find a policy that meets your budget and your criteria, purchasing it online and print your temporary insurance cards.

Receiving a cancellation notice from your current insurance company isn’t a complete catastrophe. There are other insurance carriers with policies that will provide you with coverage in the event you get into a car accident.

All you have to do is search those policies with help from a comparison tool. Start comparison shopping for better auto insurance rates! Enter your ZIP code below in our FREE online quote tool!

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