Can you change the date your car insurance is due?

Every auto insurance company is different, but most are flexible when it comes to policy changes. Contact your provider if you want to change your due date.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to remember...

  • Most insurers will be flexible to allow you to change your due date
  • Car insurance premium due dates can typically be altered over the phone, or online
  • Be sure to compare what insurers will allow you to do with your due date prior to binding coverage
  • Managing a car insurance policy is easy to do online or with an app

Insurance companies do not always get the most credit when it comes to being flexible, but that is more perception than reality. The truth of the matter is that there are plenty of car insurance companies out there in the market offering all sorts of different product options and variations.

These variations include twists in the following areas:

  • Coverage being offered
  • The premium being charged
  • Billing terms
  • Customer service points

As a consumer, it is up to you to take control and see what is out there so that you can have the ability to change something such as the date when your car insurance is actually due.

The bills that we all have coming in month-to-month can get daunting. Some dates simply do not work for us in terms of when a bill is due and for this reason, there are instances where we would like to adjust it so it is easier for all of us to keep track of.

Understanding whether or not insurance companies can offer something such as this can give you as a consumer more power when shopping for coverage.

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Insurers Will Dictate What You Can Change


A car insurance company truly has the ability to dictate what you can change and what you cannot in terms of your car insurance policy.

There are going to be some insurers that are going to allow you to choose what the due date is going to be for your policy right before you bind coverage and it goes into effect.

There are going to be others that are going to allow you to change the policy’s premium due to date even after the coverage has gone into effect. Say for example you get two months in and you realize the due date is a problem for you, some insurers will let you change it at this point.

Some car insurance companies, though, are going to be far more strict. These are the insurers who are literally going to dictate to you what the due date is on your car insurance and hold you to it.

This is never a good thing as a consumer as it takes all of the power out of your hands. In order to know this out of the gate though you need to ask questions and see what your options are.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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How Changes to the Due Date Can Be Made

There are going to be a few different ways in which, for insurers that allow it, you will be able to change the due date of your car insurance policy.

The first way is going to be the traditional route over the telephone. You pick up the phone and reach out to the customer service line of your insurer and voila, you can have them make a change to your billing terms and adjust the due date at that point.

The other ways in which changes can now be made typically for when car insurance is due is through the website of the insurer, or through their smartphone application.

Both of these are becoming more common than ever before as you can typically make changes even to your coverage without ever having to actually talk to your insurer over the phone.

Car insurance companies should be flexible to you as a consumer because you have so many options out there. Those that are not are the ones that you probably want to avoid, as they are not going to be in your favor when it comes to giving you the value and coverage you would expect.

Know that you should have the power to change when your car insurance is due and act on that ability when necessary.

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