Most states will mail out a letter telling the policyholder that they neglected to pay last month's bill and give a certain amount of time, like ten days, to send in the proper amount of cash before cancellation takes place. After the insurance company receives the payment, if it is prior to the cancellation date, most will send letters of reinstatement. In most cases, you will be required to pay the premium plus a late fee and an additional amount to cover any gaps between insurance coverage.
Some states will not reinstate policyholders if they are more than one day late with payment, even if payment was mailed. Each state has different laws which apply to drivers that don't pay their premium on their car insurance policy, but it is universal that once your car insurance policy has been canceled, it is really difficult to find car insurance coverage elsewhere.
Most auto insurance companies will raise the price of the monthly premium if the driver it is providing coverage for cannot keep their vehicle insured. Some providers may require high-risk policyholders to pay for an entire year's worth of insurance up front if there is a cancellation on your record. You may also have to pay a higher amount for years because you let your coverage slip a little bit. The one universal car insurance law: the higher risk the driver, the higher cost for the auto insurance.